Best Car Insurance in Rhode Island (2026)
Top Rhode Island car insurance picks include Amica, GEICO, and HiRoad.
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4.7 / 515K reviews
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Written byAmy Beardsley
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Amy BeardsleyFreelance Insurance and Real Estate Writer
3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
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Edited byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Reviewed byDaniel Roccato
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Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Updated
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Shopping for Rhode Island car insurance isn’t just an item on your financial checklist — it’s a personal decision. Each driver juggles different priorities, from cost and auto coverage to customer service. To help you find your perfect match, we analyzed 50 companies to identify the best car insurance in Rhode Island.
Best car insurance companies in Rhode Island
Rhode Island drivers need car insurance that handles everything the state throws at them, from Providence’s rush-hour commutes to Newport’s seasonal traffic surges. Whether you’re looking for cheaper car insurance, upgraded add-ons, discounts, or perks, the five insurers below stand out for Rhode Island drivers.
Amica: Best overall
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.6 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $243/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $444/mo |
4.3
Best choice in Rhode IslandBased on 198 verified driver reviews and ratings
Amica's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.6 | 2.9 |
How drivers feel about Amica
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
Based on analysis of verified reviews collected by Insurify
Best in Rhode Island for
Showing recent national reviewsSee all 105 Amica reviews
Verified Review
Reviewed in Rhode Island on April 30, 2026
Excellent customer service.
Verified Review
Reviewed in Massachusetts on March 23, 2026
Amica is great. Customer service and claims both have great communication. It's just too pricey for my budget right now.
Verified Review
Reviewed in Massachusetts on March 1, 2026
Easy to work with.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
709
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.57
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Amica nabbed the No. 1 spot for best Rhode Island auto insurance company by consistently outperforming the competition. The insurer topped J.D. Power’s 2024 U.S. Auto Insurance Study of New England insurers and gets fewer complaints than average with the National Association of Insurance Commissioners (NAIC).
Drivers can opt for minimum coverage or upgrade for perks like rental reimbursement and full glass repair.
Pros
Highly rated customer service
Flexible coverage choices
Generous discount options
Cons
Few local offices
No rideshare coverage in Rhode Island
Missing low-mileage options
GEICO: Best for discounts
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $157/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $264/mo |
4.0
Best choice in Rhode IslandBased on 18,472 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in Rhode Island for
Showing 4 reviews from Rhode Island driversSee all 7,778 GEICO reviews
Verified Review
Reviewed in Rhode Island on May 26, 2026
Best price of all the major agencies.
Verified Review
Reviewed in Rhode Island on March 24, 2026
Just canceled GEICO. Without warning, the monthly fee went from $275 to $424. I’ve had no accidents. Ridiculous.
Verified Review
Reviewed in Rhode Island on February 8, 2026
I was offered a much lower price by another insurance company, gave Geico a chance to match it, and they refused. Never had a claim in over 40 years on car insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO is a go-to choice for Rhode Island drivers looking for discounts on their monthly rates. While most insurers offer savings, GEICO has 23 different ways to get cheap car insurance — from safe driver rewards to military discounts and organization memberships. You’ll also get the option of minimum coverage or add-ons like accident forgiveness and rental reimbursement.
Pros
Robust mobile and online tools
Many discounts, including bundling and military
A++ (Superior) financial strength rating from AM Best
Cons
Fewer local agents
No gap insurance
Some policyholders report trouble with claims payouts
HiRoad: Best for safe drivers
HiRoad rewards good driving habits with cheap auto insurance that’s up to 50% off every month. You download an app that tracks behavior behind the wheel and calculates driving scores to determine your monthly rate. Minimum coverage options are available, but you can add roadside assistance and car rental coverage.
Pros
More control over car insurance rate
Save by bundling auto and renters insurance
A (Excellent) financial strength rating from AM Best
Cons
Limited coverage customization
No rideshare insurance
Monthly rate fluctuates based on driving habits
USAA: Best for military and veterans
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $79/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $135/mo |
4.5
Best choice in Rhode IslandBased on 3,702 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.6 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.1 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best in Rhode Island for
Showing recent national reviewsSee all 1,586 USAA reviews
Verified Review
Reviewed in Florida on June 2, 2026
Excellent customer service, a must-have if stationed overseas, and competitive policy pricing. Easy claims process, quick payments, and overall ease of use. I love USAA but I just needed a cheaper policy right now.
Verified Review
Reviewed in Missouri on May 31, 2026
USAA has always been helpful and easy to work with.
Verified Review
Reviewed in New Mexico on May 30, 2026
That's the best car insurance you can buy, but it's very expensive.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA stands above other insurers for Rhode Island’s military community, with cheap car coverage designed for military life. The insurance company earned high marks in J.D. Power’s 2024 U.S. Auto Insurance Study.
USAA understands the realities of PCS moves and deployment challenges that other companies might miss, offering several services to assist during the process.[1]
Pros
Plenty of coverage options
Travel and shopping discounts
Garaging on base and deployment storage discounts
Cons
Exclusive to the military community
No local agents to meet with in person
Limited bundling options
Progressive: Best for high-risk drivers
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $143/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in Rhode Island for
Showing 13 reviews from Rhode Island driversSee all 8,562 Progressive reviews
Verified Review
Reviewed in Rhode Island on April 20, 2026
I am an excellent driver, so I really haven't had any issues with them. I pay my monthly bill and that's it.
Verified Review
Reviewed in Rhode Island on March 28, 2026
No matter how often I've wasted my time getting into these "lower your car insurance rate" deals, Progressive always winds up being the #1 recommendation. They charge about half what the others quoted.
Verified Review
Reviewed in Rhode Island on February 14, 2026
Recurring issues with rate changes on bills.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Progressive is a great option for Rhode Islanders, including drivers with tickets, accidents, low credit, and teen drivers struggling to find cheap car coverage. It has accident forgiveness to help prevent claims from raising your monthly rate and teen driver discounts to keep premiums affordable. Claims are easy, too — you can file right from the app.
Pros
Offers minimum coverage and add-on options
Easy savings with bundling and auto-pay discounts
Top-tier online and mobile tools
Cons
Customer service gets mixed reviews
Some policyholders report price hikes at renewal
Teen driver discount kicks in after one year
Our editorial team analyzed regional and national auto insurance companies that sell policies in Rhode Island to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Rhode Island
Between navigating Providence’s narrow one-ways and dodging beach traffic in Bristol and Narragansett, Rhode Islanders need to balance the average rate with the right insurance coverage. Beyond the monthly rate, here’s what really matters when you’re shopping for car insurance in the Ocean State.
Know your auto coverage needs
First and foremost, your insurance policy must meet Rhode Island’s minimum coverage requirements.
This includes at least $25,000 per person (and $50,000 per accident) in bodily injury liability coverage and $25,000 in property damage liability coverage. Alternatively, you may choose a combined single limit of $75,000.[2]
But car insurance experts often recommend buying higher limits for greater protection, which means paying a higher monthly rate for auto coverage. Additionally, lenders typically require full-coverage car insurance if you’re financing your vehicle.
You should also think about factors such as your daily commute and whether you need extras like roadside assistance or rental coverage when your car is in the shop.
Consider local vs. digital support
How you prefer to handle insurance matters might be more important than a cheap car insurance rate. Your monthly rate is important, but if you value face-to-face meetings, look for a company with local insurance agents.
If you’d rather have the convenience of managing everything through an app or website, choose an auto insurance company with online tools and highly rated apps.
Check real customer experiences
The way a company treats its customers is more important than flashy ads or commercials for low monthly rates. Motor vehicle insurance is a competitive market — nearly half of policyholders looked for better options in 2024, according to J.D. Power.[1]
To find the best insurance company, look into customer reviews and ask around. Real feedback can often tell you more than any advertisement for cheap car insurance.
Consider payment options and discounts
Cheap car insurance isn’t one-size-fits-all. Some insurers have better deals for paying in full or a discount for setting up automatic payments. Other companies will give you a discount for taking a defensive driving course or having a teen driver who gets good grades in school.
Ask specifically about discounts that fit your situation to help bring down your insurance rate.
Compare car insurance quotes
Never settle for the first car insurance offer you get. Rhode Island auto insurance rates can vary by hundreds of dollars for the exact same coverage. It’s worth your time to get quotes from at least three insurance companies when looking for a cheap auto policy.
Set a reminder to compare car insurance rates every six months — insurers adjust prices, and you might catch a better monthly rate.
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Average cost of car insurance in Rhode Island
Rhode Island’s average rate is $240 per month, which is higher than the national average rate of $142.
While Rhode Island auto insurance costs stayed about the same from 2023 to 2024, where you live matters. In fact, monthly rates can change pretty significantly from one ZIP code to another. For example, Providence drivers pay higher car insurance rates than drivers in cities like Cranston and Warwick.
The state faces specific challenges that can limit your ability to cash in on cheap car insurance, like dense traffic, severe weather events, and high vehicle repair costs. Insurify research projects a 3% increase in the average rate for Rhode Island in 2025.
Sources
- Jdpower.com. "2024 U.S. Insurance Shopping Study."
- Rhode Island Department of State. "Automobile Insurance Rating."
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Amy BeardsleyFreelance Insurance and Real Estate Writer
3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego