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Cheapest Auto Insurance in Rhode Island (2026)

USAA, Safeco, and GEICO offer some of the cheapest car insurance rates for Rhode Island drivers.

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Cheapest recent car insurance quotes in Rhode Island

Drivers in and around Rhode Island have found policies from Travelers, USAA, GEICO, and more, through Insurify in the last few days.

*Quotes generated for Insurify users from Rhode Island within the last 10 days. Last updated on March 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 4, 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 March 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Sarah Sharkey
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Rhode Island’s average car insurance costs are comparatively high. Full coverage averages $210 per month, while liability-only insurance is $152 per month. By comparison, the national averages are $173 per month and $99 per month, respectively.

Accident rates, traffic congestion, and a relatively high risk of flooding all affect car insurance costs in the Ocean State. Here’s what you should know about comparing quotes and finding cheap car insurance in Rhode Island.

Quick Facts
  • Rhode Islands average cost of full-coverage car insurance is $210 per month, and liability-only coverage averages $152 per month.

  • Since January 2024, Rhode Island’s average car insurance premiums have risen 41%, according to Insurify’s Insuring the American Driver report 

  • Rhode Island traffic fatalities decreased 26% from 2024 to 2025, according to National Safety Council data.

3 of the cheapest car insurance companies in Rhode Island 

Every driver in Rhode Island has a unique situation that affects their insurance needs and rates. But some of the best insurance companies in the state offer more affordable auto rates than others by coverage level and driver profile.

If you want to lock in the best deal, it’s a good idea to shop around and compare quotes from multiple insurers. Below, you can learn about some of the cheapest and best insurance companies in Rhode Island to help you streamline your search.

USAA

USAA logo
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.
$100/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.
$132/mo
4.9
Best choice in Rhode IslandBased on 3,118 verified driver reviews and ratings
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.

AI-generated from the text of verified reviews collected by Insurify
Best in Rhode Island for
Members of the military community
Outstanding customer service
Competitive rates
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.

AI-generated from the text of verified reviews collected by Insurify
Best in Rhode Island for
Members of the military community
Outstanding customer service
Competitive rates
Showing 5 reviews from Rhode Island drivers - See all 1,476 USAA reviews
Donald
Verified Review
Beware of Amendments
Reviewed in Rhode Island on January 8, 2026
USAA does accept amendments from body shops that result in overpayments. These excessive amounts should be reappraised by a claims adjuster to prevent fraudulent, additional claims by a body shop. I have experienced such overcharges that were not performed on my vehicle. This needs to stop!
Barry
Verified Review
Customer Service
Reviewed in Rhode Island on November 15, 2025
Be careful, if you don't download the app, you cannot communicate or get a supervisor to assist.
Kate
Verified Review
Happy with USAA
Reviewed in Rhode Island on April 13, 2025
Responsive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
741
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 offers the most affordable car insurance premiums in the state, but many people don’t qualify for coverage. The company only offers coverage to active-duty military, reservists, veterans, and qualifying family members. In addition to low rates, USAA has relatively high customer satisfaction ratings and a handful of discounts.

Pros
  • Cheap coverage

  • High customer satisfaction ratings

Cons
  • Limited membership eligibility

  • No customer service available on Sundays

Safeco

Safeco logo
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.
$121/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.
$208/mo
4.3
Best choice in Rhode IslandBased on 1,009 verified driver reviews and ratings
How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify
Best in Rhode Island for
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco

Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.

AI-generated from the text of verified reviews collected by Insurify
Best in Rhode Island for
Cash back for being claims free
Optional coverages
Diminishing deductible
Showing recent national reviews - See all 534 Safeco reviews
Sharlene
Verified Review
Hundred Dollar Charge 6 Months Later
Reviewed in Kansas on March 2, 2026
I was happy with the coverage when I started. Then, 6 months later, I was charged $100 for ??? Automatic withdrawal was set up, and I was told my policy and rate would not change. Looking for new insurance as I text.
Paul
Verified Review
Expensive Insurance
Reviewed in New York on February 21, 2026
Safeco is a good company, but the insurance rates keep going up.
Robert
Verified Review
Safety is my current carrier
Reviewed in Massachusetts on February 18, 2026
Expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72
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

Safeco tends to offer low rates for Rhode Island car insurance. Specifics vary, but safe drivers can save money through the company’s accident forgiveness benefit, claims-free cash back, and diminishing deductible coverages. Drivers can also earn savings through the RightTrack telematics program.

Pros
  • Ability to earn cash back after claims-free period

  • Robust selection of insurance products

Cons
  • Just 1.7 stars (out of 5) on Trustpilot

  • Limited available discount options

GEICO

GEICO logo
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.
$197/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.
$259/mo
4.0
Best choice in Rhode IslandBased on 15,938 verified driver reviews and ratings
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.

AI-generated from the text of verified reviews collected by Insurify
Best in Rhode Island for
Teen drivers
Cheap rates
Accident forgiveness
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.

AI-generated from the text of verified reviews collected by Insurify
Best in Rhode Island for
Teen drivers
Cheap rates
Accident forgiveness
Showing 5 reviews from Rhode Island drivers - See all 7,412 GEICO reviews
Richard
Verified Review
Really?
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.
Russell
Verified Review
Excellent
Reviewed in Rhode Island on September 26, 2025
Good experience, but it costs too much!
Allen
Verified Review
Affordable
Reviewed in Rhode Island on April 19, 2025
GEICO offers the most affordable insurance I've found. It's only $64 a month for a six-month plan, compared to other insurance plans I've had. It's nearly half the price with the same coverage. Now, I'm just waiting to see how long it takes before they increase the price like other companies do without any apparent reason.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
638
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

Owned by Berkshire Hathaway, GEICO is the third-largest U.S. auto insurer by market share. Rhode Island families may find GEICO appealing for its competitively low rates, including for young drivers who typically pay more for coverage. The company also offers numerous discounts that can help families save even more, such as for being a good student, staying accident-free for five years, having multiple vehicles on one policy, having multiple GEICO policies, and even for being in the military or a federal employee.

Pros
  • Competitive rates for many Rhode Island drivers

  • Offers accident forgiveness coverage

Cons
  • Higher rates for drivers with certain violations, like DUIs

  • Doesnt offer new car replacement coverage

How to get the cheapest car insurance in Rhode Island

You can’t avoid the expense of car insurance, but you can make sure you don’t pay more than you need to for coverage. Consider the strategies below to help you find the best rates for your situation:[1]

  • Increase your deductible. In general, a higher collision or comprehensive deductible leads to lower auto insurance premiums. If you can afford a higher deductible, this is a viable route.

  • Ask for discounts. Many insurance companies offer a lengthy list of discounts, so you can always ask whether you qualify for any.

  • Consider telematics. Telematics-based coverage uses a device or mobile app to track your driving habits. Many insurers offer discounts just for enrolling, and some reward good driving with premium reductions.

  • Shop around. Comparing quotes from multiple insurance companies can help you find the cheapest car insurance for your needs. Consider shopping around each year, as the cheapest options will change over time.

Changes in Rhode Island car insurance rates over time

In 2025, the cost of full-coverage car insurance increased 13% for Rhode Island drivers. The average annual cost peaked at $3,489 in August before edging down slightly to $3,394 at year’s end. Soaring rates pushed Rhode Island from the 10th-most-expensive state for car insurance in 2024 to the third-most-expensive at the end of 2025, Insurify data shows.

Insurify data scientists predict the Ocean State will see a further increase of a little less than 2% — roughly $56 annually — in 2026. The following chart shows how full-coverage car insurance rates have changed in Rhode Island since January 2021.

Find Cheap Car Insurance in Rhode Island

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Cheapest liability-only car insurance quotes in Rhode Island

After a car accident, liability-only car insurance helps you pay for the damages or injuries you caused to the other driver and their passengers.[2]

In general, minimum-coverage car insurance is the most affordable option, but it may not include all the coverage you want. You should make sure this coverage offers enough financial protection for your situation. Insurance professionals generally recommend you buy more liability than your state’s minimum required amount.

Rhode Island-based drivers pay a monthly average of $152 for liability-only insurance. The following table provides examples of liability rates from some top insurers.

The below rates in Rhode Island are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$100
Safeco$121
State Farm$129
Direct Auto$163
Liberty Mutual$192
GEICO$197
Nationwide$230
Progressive$234
Travelers$242
Allstate$315
Disclaimer: Table data sourced from real-time Rhode Island car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rhode Island may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance quotes in Rhode Island

Full-coverage auto insurance extends beyond a liability-only car insurance policy to offer significantly more vehicle protection. On top of liability coverage, this type of policy includes comprehensive and collision coverage. If you finance or lease your vehicle, your lender or leasing company will typically require you to buy full coverage. But it’s a good idea to consider full coverage, even if you’re not required to buy it.

After an accident, collision coverage can help you pay to repair your vehicle or purchase a replacement vehicle. If you encounter a different kind of incident, like a fallen tree or natural disaster, comprehensive coverage can help you get back on the road.

Full-coverage policies in Rhode Island cost drivers an average of $210 per month. Here are the cheapest car insurance rates Rhode Island drivers can find to secure affordable full-coverage insurance.

The below rates in Rhode Island are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
USAA$132
State Farm$170
Safeco$208
Direct Auto$241
GEICO$259
Liberty Mutual$264
Nationwide$302
Travelers$318
Allstate$414
Disclaimer: Table data sourced from real-time Rhode Island car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rhode Island may vary based on the policy buyer's unique driver profile.

Cheapest recent car insurance quotes in Rhode Island

Drivers in and around Rhode Island have found policies from USAA, Liberty Mutual, GEICO, and more, through Insurify in the last few days.

*Quotes generated for Insurify users from Rhode Island within the last 10 days. Last updated on March 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 4, 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 March 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
  • Insurers consider your age when determining premiums.

    Teen drivers have the least amount of experience behind the wheel and the highest accident frequency of any age group. This results in the highest costs for auto insurance premiums by driver age.

    Most drivers can expect rates to drop off significantly between the ages of 25 and 35 and continue to decline gradually for decades. But the trend tends to reverse slightly around age 70. You might start to see marginally higher auto insurance premiums as a senior driver due to increased accident risk.

    Age Group
    sort ascsort desc
    Average Monthly Quote: Liability Only
    sort ascsort desc
    Average Monthly Quote: Full Coverage
    sort ascsort desc
    Teen drivers$292$403
    Adult drivers$157$216
    Senior drivers$125$173
    Disclaimer: Table data is based on real-time Rhode Island quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Car insurance requirements in Rhode Island

Rhode Island drivers must carry a minimum amount of car insurance to drive legally in the state. The minimum coverage requirements include the following:

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000 per accident

You may decide you want more coverage than the minimum liability coverage required in the state. Common optional coverages that provide more protection include:

    • illustration card https://a.storyblok.com/f/162273/150x150/0ee044afbd/car-and-driving-96x96-orange_039-car-accident.svg

      Collision coverage

      Collision coverage kicks in if you have an accident that causes vehicle damage. This includes collisions with other vehicles, or with an object like a tree or light pole. It also covers rollover accidents and pothole damage.

    • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

      Comprehensive coverage

      If a non-collision incident — such as severe weather, theft, fire, or vandalism — causes vehicle damage, comprehensive insurance covers it.

    • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

      Medical payments coverage

      Also called MedPay, this coverage takes care of medical bills for you and your passengers following an accident.

Cheapest car insurance in Rhode Island by driving record

Depending on the severity of the offense, making a mistake while driving can affect the cost of your auto insurance for several years.

In general, drivers with incidents — including speeding tickets, driving under the influence, and at-fault accidents — pay more for car insurance than drivers with a clean record. Insurers view drivers with incidents as higher risk, so they increase rates to offset that risk.

For example, Rhode Island drivers with a clean record pay an average of $152 per month for a liability policy. But Rhode Island drivers with a DUI pay a monthly average of $227 for liability coverage.

The below rates in Rhode Island are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
With Speeding Ticket
sort ascsort desc
With At-Fault Accident
sort ascsort desc
With DUI/DWI
sort ascsort desc
USAA$129$131$148
Safeco$159$165$191
State Farm$163$166$191
Direct Auto$203$217$241
Liberty Mutual$244$250$284
GEICO$257$250$291
Progressive$292$295$350
Nationwide$298$302$341
Travelers$314$318$359
Allstate$410$412$467
Disclaimer: Table data sourced from real-time Rhode Island car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rhode Island may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance in Rhode Island

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  • Where you live in Rhode Island can affect your car insurance rates. The table below shows liability and full-coverage rates for different Rhode Island cities.

    The below rates in Rhode Island are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 
    Data reviewed by Konstantin Halachev
    Headshot of Konstantin Halachev, VP of Engineering at Insurify
    Konstantin HalachevVP of Engineering & Data Science
    • 7+ years experience in data analysis

    • Ph.D. in Computational Biology

    Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

    City
    sort ascsort desc
    Average Quote: Liability Only
    sort ascsort desc
    Average Quote: Full Coverage
    sort ascsort desc
    Warwick$151$200
    Pawtucket$169$249
    Providence$194$280
    Disclaimer: Table data sourced from real-time Rhode Island car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Rhode Island may vary based on the policy buyer's unique driver profile.

Rhode Island car insurance FAQs

You have to consider a lot of factors when determining how much auto coverage you need and what you value in an insurer. Find more information about buying coverage in Rhode Island below.

  • USAA is the cheapest car insurance company in Rhode Island, with an average monthly liability rate of $103. If you don’t have a military connection, Safeco and State Farm also offer affordable coverage in the state, with liability policies averaging $122 and $132 per month, respectively.

  • The overall average cost of car insurance in Rhode Island is $181 per month. Drivers in the state pay $152 per month for liability coverage and $210 for full-coverage car insurance. Your specific rate depends on your insurer, driving record, age, vehicle type, and more.

  • USAA is the best car insurance company selling coverage in Rhode Island. Other top insurers in Rhode Island include Safeco and GEICO. But the best company for you will depend on your coverage needs and individual driver profile.

  • At $152 per month for liability coverage and $210 per month for full coverage, car insurance in Rhode Island is more expensive than the nationwide monthly averages of $99 for liability coverage and $99 for full coverage.

    Rhode Island has a large number of uninsured drivers, which could contribute to its higher insurance costs.

  • Rhode Island drivers must carry a minimum of $25,000 per person and $50,000 per accident in bodily injury liability, as well as $25,000 per accident in property damage liability. You can also opt for a single-limit policy of $75,000.

  • You can do several things to lower your car insurance costs in Rhode Island, including shopping around and comparing quotes, taking advantage of any discounts you’re eligible for, opting for a higher deductible, and bundling multiple policies together with the same company.

  • No. Rhode Island is an at-fault, or tort, state. If you cause an accident, you — and your insurer — must cover the cost of property damage and bodily injury you cause the other driver and their passengers.

Methodology

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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "Nine ways to lower your auto insurance costs."
  2. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
Sarah Sharkey
Written bySarah SharkeyInsurance Writer
Sarah Sharkey
Sarah SharkeyInsurance Writer
  • 7+ years writing insurance and personal finance content

  • Contributor to top media, including USA Today

A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.

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A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.

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Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
  • Media relations director for Insurance Information Institute

  • 20+ years in insurance and communications

  • Impartial, independent expert

As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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