120+ more*Quotes generated for Insurify users from Rhode Island within the last 10 days. Last updated on May 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Rhode Island within the last 10 days. Last updated on May 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
)
10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Featured in
){kind=logo}
){kind=small}
){kind=logo}
){kind=small}
)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
)
)
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
)
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Updated
The average cost of car insurance in Rhode Island is $177 per month for liability-only coverage, according to Insurify data. Full-coverage car insurance in Rhode Island averages $303 per month.
In both cases, Rhode Island car insurance is higher than the national average of $98 per month for liability coverage and $187 for full coverage. This is likely due to Rhode Island’s coastal location and high population density.
Though its rates are higher, here’s an overview of cheap car insurance companies in Rhode Island.
Driver Category  | Cheapest Insurance Company in RI | Cheapest Monthly Quote in RI |
|---|---|---|
| Overall | USAA | $79 |
| State minimum coverage | USAA | $79 |
| Full coverage | USAA | $139 |
| Drivers with a clean record | USAA | $79 |
| After a speeding ticket | USAA | $103 |
| After an at-fault accident | USAA | $107 |
| After a DUI | USAA | $110 |
| Teen/new drivers | USAA | $151 |
| Seniors | USAA | $64 |
| Bad credit | USAA | $95 |
In Rhode Island, drivers must get liability insurance with minimum limits of bodily injury and property damage coverage.[1] Additionally, insurance companies must offer uninsured/underinsured motorist (UM/UIM) coverage. But Rhode Island drivers can reject UM/UIM coverage by submitting a form.[2]
The most affordable car insurance in Rhode Island for liability coverage is from USAA, with an average cost of $79 per month, according to Insurify data. That’s substantially less than the state average of $177 per month.
Here, you can see the cheapest liability-only rates in Rhode Island.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $79 |
| State Farm | $102 |
| Safeco | $106 |
| Direct Auto | $141 |
| Progressive | $145 |
| GEICO | $155 |
| Liberty Mutual | $156 |
| Nationwide | $181 |
| Travelers | $191 |
| Allstate | $249 |
)
Anuj Desai
Anuj Desai | Digital Insurance Agent | Insurify, Insurify
Basic liability insurance is definitely the cheapest coverage level in Rhode Island, but it only protects other drivers and their cars, not you. It’s worth considering full coverage to protect your car so you’re not responsible for huge out-of-pocket costs.
Full-coverage car insurance in Rhode Island has an average cost of $303 per month, but drivers can find the cheapest full coverage from USAA.
Drivers in Rhode Island have a relatively high risk of hitting a deer. In 2023, 1,347 deer-vehicle collisions were reported to the Rhode Island Department of Environmental Management. Full coverage, which includes collision and comprehensive coverage, can protect you in this situation.
Another common peril in Rhode Island that full coverage can help with is flooding. Whether you live on the coast in Narragansett or more inland in Providence, flash flooding can destroy your car.
Carrying only the Rhode Island minimum coverage can make you financially vulnerable, so it’s worth considering full coverage.
Below are the cheapest full-coverage insurers for Rhode Island drivers.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $139 |
| State Farm | $179 |
| Safeco | $184 |
| Progressive | $220 |
| Direct Auto | $237 |
| Liberty Mutual | $246 |
| GEICO | $275 |
| Nationwide | $318 |
| Travelers | $336 |
| Allstate | $435 |
*Quotes generated for Insurify users from Rhode Island within the last 10 days. Last updated on May 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Rhode Island within the last 10 days. Last updated on May 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Many insurance companies have competitive rates in Rhode Island. But the best company for you depends on your needs and risk factors. For example, drivers in the coastal city of Newport may want to opt for full coverage for greater protection against potential flooding.
Providence drivers may prioritize cheap coverage to combat the increased rates caused by the city’s high population density.
We’ve done research on some of the best car insurance companies in Rhode Island for different types of drivers.
| User Reviews | 4.9 |
|---|---|
| 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. | $139/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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.
Several thousand military members are active in Rhode Island, and veterans make up about 4.8% of the population. USAA provides financial services and insurance to military and veteran populations and has some of the lowest rates for auto insurance in the state.
Plus, the company offers multiple discounts, some of which are military-specific, to help you save even more.
Military-specific discounts
Bundling discount for homeowners and renters
Low rates in Rhode Island
No USAA locations in Rhode Island
Low customer rating on Trustpilot
Very limited eligibility
| 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. | 8.1 /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. | $106/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. | $184/mo |
Safeco's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 3.8 | 2.9 |
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
When it comes to cheap car insurance in Rhode Island, Safeco offers competitive rates even for drivers with a driving under the influence (DUI) conviction. Over the past several years, Rhode Island has been one of the states with the highest rate of alcohol-related incidents and crashes.
Given the increase in auto insurance rates after a DUI, Safeco is a good choice for drivers with a DUI in Rhode Island.
Many agents and offices in Rhode Island
Low average rates for high-risk drivers
New vehicle replacement coverage
Limited discounts
Must work with insurance agent to complete your quote
Low customer rating on Trustpilot
| 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. | $155/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. | $275/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
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.
Rhode Island has a large commuter population, with 82% of workers driving to their jobs rather than taking public transportation. If you’re one of the more than 200,000 people driving on I-95 into Providence every morning, you have a high likelihood of getting into an accident.
GEICO is a good choice as it offers claim forgiveness, which can either be added to a policy or awarded to good drivers. Plus the company offers many discounts, including discounts for safety features, multiple policies, paying in full, and federal employees.
Many great discounts
High J.D. Power customer satisfaction score in New England
Claim forgiveness available and awarded to good drivers
More expensive rates than other competitors in Rhode Island
Low J.D. Power claims satisfaction score
Only a couple local agents in Rhode Island
Rhode Island saw a 13% increase in average costs for full-coverage car insurance in 2025, according to an Insurify report.
Since 2024, Rhode Island car insurance rates have risen 41%. Our 2026 predictions estimate that rates could go up by 1.7%. Car insurance premiums rose in part due to new legislation and local risks like flooding and population density.
Here’s an overview of how average car insurance costs in Rhode Island have changed over time. The data below shows rates from the last five years.
State Name | 2021-04 | 2021-05 | 2021-06 | 2021-07 | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Rhode Island | 2,645 | 2,640 | 2,627 | 2,624 | 2,589 | 2,511 | 2,486 | 2,484 | 2,470 | 2,440 | 2,417 | 2,389 | 2,397 | 2,406 | 2,393 | 2,393 | 2,388 | 2,398 | 2,386 | 2,395 | 2,394 | 2,389 | 2,388 | 2,362 | 2,342 | 2,341 | 2,332 | 2,326 | 2,340 | 2,395 | 2,421 | 2,424 | 2,428 | 2,437 | 2,442 | 2,544 | 2,652 | 2,883 | 2,938 | 2,965 | 2,997 | 2,997 | 3,080 | 2,905 | 2,980 | 3,055 | 3,400 | 3,394 | 3,423 | 3,458 | 3,547 | 3,602 | 3,574 | 3,539 | 3,511 | 3,469 | 3,540 | 3,530 | 3,624 | 3,637 | 3,638 |
| United States | 1,559 | 1,557 | 1,552 | 1,555 | 1,558 | 1,558 | 1,562 | 1,567 | 1,569 | 1,569 | 1,573 | 1,579 | 1,592 | 1,603 | 1,608 | 1,613 | 1,619 | 1,626 | 1,633 | 1,641 | 1,650 | 1,667 | 1,690 | 1,720 | 1,758 | 1,803 | 1,850 | 1,888 | 1,919 | 1,957 | 1,984 | 2,006 | 2,037 | 2,077 | 2,129 | 2,194 | 2,240 | 2,300 | 2,342 | 2,368 | 2,389 | 2,385 | 2,373 | 2,369 | 2,361 | 2,349 | 2,364 | 2,366 | 2,365 | 2,355 | 2,341 | 2,317 | 2,285 | 2,257 | 2,228 | 2,214 | 2,221 | 2,222 | 2,224 | 2,233 | 2,238 |
Liability quotes start at $79/mo.
Rhode Island drivers must carry liability insurance, per state law. To meet the state minimum car insurance requirements, drivers must have:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000 per accident
In Rhode Island, insurance companies must offer UM/UIM coverage with the following limits:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $25,000
Rhode Island drivers can reject this coverage, but they must do so in writing.
Rhode Island towns and cities vary in their flood risks, population densities, and accident rates, which influence premiums.
Providence has the most expensive insurance, at an average of $276 per month, compared to the state average of $240 per month.
City | Average Monthly Quote |
|---|---|
| Providence | $276 |
If you have a clean driving record, USAA has the most affordable coverage in Rhode Island, at an average of $79 per month for liability insurance.
Here you can see the cheapest rates for drivers in Rhode Island with both good credit and a clean driving record.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $71 |
| State Farm | $91 |
| Safeco | $104 |
| Direct Auto | $124 |
| Progressive | $128 |
| GEICO | $140 |
| Liberty Mutual | $151 |
| Nationwide | $159 |
| Travelers | $169 |
| Allstate | $231 |
In Rhode Island, 4.24% of drivers have a speeding ticket, according to Insurify data.
Rhode Islanders with a ticket on their record pay an average rate of $304 per month, but tickets often come with additional fines. In Pawtucket, a first offense could cost $131 in fines and court fees. In East Providence, speeding through a red light could result in an $85 fine.
Below, find the cheapest rates for drivers with a speeding ticket in Rhode Island.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $103 |
| State Farm | $130 |
| Safeco | $140 |
| Direct Auto | $178 |
| Progressive | $184 |
| Liberty Mutual | $200 |
| GEICO | $204 |
| Nationwide | $236 |
| Travelers | $249 |
| Allstate | $326 |
Rhode Island is an at-fault state and uses comparative negligence to determine the percentage of each party’s fault in an accident.[3] Insurify data shows that 6.15% of Rhode Island drivers have an at-fault accident on their record.
On average, Rhode Islander’s with an accident on their record pay $320 per month. Here are the cheapest insurers for Rhode Island drivers with an accident on their record.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $107 |
| State Farm | $136 |
| Safeco | $148 |
| Direct Auto | $193 |
| Progressive | $193 |
| GEICO | $205 |
| Liberty Mutual | $208 |
| Nationwide | $245 |
| Travelers | $259 |
| Allstate | $336 |
Driving under the influence in Rhode Island can result in license suspension for 30 to 180 days for first-time offenders 21 and older. Fines range from $100 to $300, plus a $500 highway assessment fine. Additionally, drivers with a DUI conviction could face up to one year in prison.[4]
The percentage of drivers in Rhode Island with a DUI stands at 0.62%, according to Insurify data, and they pay an average of $325 per month for car insurance.
If you have a DUI in Rhode Island, here are the cheapest companies for car insurance.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $110 |
| State Farm | $143 |
| Safeco | $157 |
| Progressive | $196 |
| Direct Auto | $197 |
| GEICO | $215 |
| Liberty Mutual | $218 |
| Nationwide | $253 |
| Travelers | $267 |
| Allstate | $348 |
As of 2018, high-risk Rhode Island drivers no longer have to file SR-22 forms.[5] But high-risk drivers pay an average of $282 per month for car insurance in Rhode Island. While SR-22 insurance may not be a requirement, here’s an overview of cheap car insurance in Rhode Island for high-risk drivers.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $96 |
| State Farm | $123 |
| Safeco | $128 |
| Direct Auto | $171 |
| Progressive | $175 |
| GEICO | $188 |
| Liberty Mutual | $189 |
| Nationwide | $219 |
| Travelers | $231 |
| Allstate | $301 |
Monthly rates start at $99 for drivers with an incident
Teen drivers in Rhode Island are four times more likely to get into an accident than older drivers.[6] Rhode Island has a Graduated Driver Licensing Law, which gives new drivers certain privileges in phases to help reduce accidents.
On average, teen drivers pay $466 per month for car insurance in Rhode Island.
To help lower costs, here are the cheapest car insurance rates for teen drivers in Rhode Island.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $151 |
| State Farm | $205 |
| Safeco | $222 |
| Progressive | $281 |
| Direct Auto | $283 |
| Liberty Mutual | $283 |
| GEICO | $290 |
| Nationwide | $365 |
| Travelers | $410 |
| Allstate | $509 |
In Rhode Island, 20% of residents are 65 years or older. Age comes with driving experience, which often results in Rhode Island seniors paying lower rates, at an average of $209 per month. But after age 75, Rhode Island seniors need to renew their license every two years to ensure they can still drive safely.[7]
Here are the insurance companies that have the cheapest rates for senior drivers in their 60s in Rhode Island.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $64 |
| State Farm | $81 |
| Safeco | $93 |
| Direct Auto | $116 |
| GEICO | $124 |
| Progressive | $126 |
| Liberty Mutual | $130 |
| Nationwide | $139 |
| Travelers | $153 |
| Allstate | $203 |
The state of Rhode Island allows insurance companies to use a driver’s credit history to calculate a credit-based insurance score, which may influence rates.[8] In Rhode Island, drivers with poor credit pay an average rate of $290 per month for car insurance.
Below, find cheap Rhode Island car insurance companies for drivers with bad credit.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $95 |
| Safeco | $129 |
| State Farm | $145 |
| Direct Auto | $171 |
| Progressive | $175 |
| Liberty Mutual | $184 |
| GEICO | $188 |
| Nationwide | $220 |
| Travelers | $232 |
| Allstate | $302 |
Score the best car insurance rates for your credit
Below, find more information about cheap car insurance in Rhode Island and answers to frequently asked questions.
The state of Rhode Island requires drivers to carry minimum liability insurance with $25,000 in bodily injury liability per person, $50,000 in bodily injury per accident, and $25,000 in property damage liability. Additionally, insurance companies must offer uninsured motorist coverage with the same coverage limits.
The average cost of car insurance in Rhode Island is $240 per month, according to Insurify data. In Rhode Island, the cost of an auto insurance policy depends on driving history, credit history, and specific neighborhood risk factors like vandalism and crime.
If you’re searching for cheap car insurance in Rhode Island, some of the best car insurance companies include USAA, Safeco, and GEICO.
Many factors affect Rhode Island auto insurance rates, including age, credit history, driving history, location, mileage, and car type.
USAA has the cheapest car insurance in Rhode Island, averaging $79 per month for a liability-only policy.
Yes, various insurance companies in Rhode Island offer good driver discounts. Some insurers offer discounts for things like having a clean driving record, taking a defensive driving or a driver training course, bundling your policies, going paperless or using auto pay, and enrolling in a telematics program.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
