Cheapest Auto Insurance in Rhode Island (2026)
USAA, Safeco, and GEICO offer some of the cheapest car insurance rates for Rhode Island drivers.
Secure. Free. Easy-to-use.
Excellent
)
Written bySarah 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.
Featured in
){kind=logo}
){kind=small}
){kind=small}
)
Edited byAshley 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.
Featured in
){kind=logo}
){kind=small}
){kind=small}
){kind=small}
)
Reviewed byMark 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.
)
Data reviewed byKonstantin Halachev
)
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.
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
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.
Table of contents
Rhode Island’s average car insurance costs are comparatively high. Full coverage averages $209 per month, while liability-only insurance is $151 per month. By comparison, the national averages are $174 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 Island ’s average cost of full-coverage car insurance is $209 per month, and liability-only coverage averages $151 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
| 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. | $126/mo |
4.9
Best choiceBased on 2,909 verified guest 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 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 For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,443)
David
Verified Review
No updates
Reviewed in Pennsylvania on February 10, 2026
I have had no claims, so there is no new information to share.
Ken
Verified Review
USAA rate increase without explanation
Reviewed in Georgia on February 10, 2026
With no accidents or tickets in the last decade, our car insurance rates doubled with USAA after 5 years. Why? Couldn't tell you and couldn't get an explanation as to why either when I called them to inquire about the rate hike!
Larry
Verified Review
Disappointed
Reviewed in Nebraska on February 10, 2026
USAA has good prices on policies. When filing a claim a few years back, the only thing that stood out to me after the process was what the claim representative said: "We don’t legally have to do any more than that." It was a grey area that they would not even discuss.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
741NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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
| 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 choiceBased on 990 verified guest 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 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 For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (531)
Linda
Verified Review
Raising Prices Too High
Reviewed in New Hampshire on February 6, 2026
It was okay, but now they are raising the price on my policy by $572.20. They said it's because of rates for ambulances, fire, and police in Gilford. That doesn't seem to have anything to do with my auto insurance, but that's what they said.
Jon
Verified Review
Shop around
Reviewed in California on February 4, 2026
Shop around. I believe insurers give an initial lower rate and then increase it over time, knowing that most people just keep paying the higher rate. You have to shop every time renewal comes up.
Patrick
Verified Review
Poor Business Practice
Reviewed in Michigan on January 30, 2026
The price is a bit cheaper than average at first. The issue is that after a month, they claimed they never received the qualifying medical insurance letter, changed your PIP allocations, and charged you hundreds more than the original quote. They make you jump through hoops to get your money back, then only return a minute fraction of it and claim it was the customer's fault. They will not return the money wrongfully taken for "lack of medical coverage letter"—they received it! And let's just for amusement say they never received it, you'd think an email, text, or call to say "Hey, we don't have the medical coverage letter, and we need that or we will deduct such and such on such and such date" would be appropriate... but no, they'd rather be shady! Additionally, getting a service agent at certain times can be difficult!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72A.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).
AWhy 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
| 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. | $196/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. | $247/mo |
4.0
Best choiceBased on 15,107 verified guest 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 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 For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (7,288)
Victoria
Verified Review
VB Car Insurance
Reviewed in Nevada on February 11, 2026
They help when you call.
Ryan
Verified Review
Easy going
Reviewed in Kentucky on February 11, 2026
Great company
Robin
Verified Review
Geico, not your best bet!
Reviewed in South Carolina on February 11, 2026
I believe I am overcharged. I have paid my premium regularly and on time for over six years, with no claims! When I called to see if I could get my rates reduced and add my son to my policy, they offered no help. I'm not a fan of Geico and would not recommend them!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
638NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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
Doesn’t 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
Check quotes from 120+ top insurance companies
Excellent
4.7 out of 5 based on 11,762 reviews
Secure. Free. Easy-to-use.
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 $151 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: Tuesday, February 10 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
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  | Average Monthly Quote |
|---|---|
| USAA | $100 |
| Safeco | $121 |
| State Farm | $129 |
| Direct Auto | $162 |
| Liberty Mutual | $189 |
| GEICO | $196 |
| Nationwide | $229 |
| Travelers | $241 |
| Allstate | $314 |
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 $209 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: Tuesday, February 10 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
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 | Average Monthly Quote |
|---|---|
| USAA | $126 |
| State Farm | $162 |
| Safeco | $208 |
| Direct Auto | $239 |
| GEICO | $247 |
| Liberty Mutual | $265 |
| Nationwide | $288 |
| Travelers | $304 |
| Allstate | $395 |
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 using Insurify have found quotes as cheap as $94/mo for liability only and $126/mo for full coverage in Rhode Island.
*Quotes generated for Insurify users from Rhode Island within the last 10 days. Last updated on February 12, 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 February 12, 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 February 12, 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 February 12, 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 GroupAverage Monthly Quote: Liability OnlyAverage Monthly Quote: Full CoverageTeen drivers $289 $400 Adult drivers $155 $215 Senior drivers $124 $171 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 | Minimum Requirements |
|---|---|
| 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:
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.
Comprehensive coverage
If a non-collision incident — such as severe weather, theft, fire, or vandalism — causes vehicle damage, comprehensive insurance covers it.
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 $151 per month for a liability policy. But Rhode Island drivers with a DUI pay a monthly average of $219 for liability coverage.
The below rates in Rhode Island are estimated rates current as of: Tuesday, February 10 at 11:00 AM PST.
Data reviewed by Konstantin Halachev
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 | With Speeding Ticket | With At-Fault Accident | With DUI/DWI |
|---|---|---|---|
| USAA | $129 | $130 | $147 |
| Safeco | $159 | $165 | $190 |
| State Farm | $163 | $166 | $190 |
| Direct Auto | $203 | $216 | $238 |
| Liberty Mutual | $240 | $245 | $278 |
| GEICO | $256 | $248 | $285 |
| Nationwide | $297 | $300 | $337 |
| Travelers | $312 | $316 | $354 |
| Allstate | $408 | $410 | $462 |
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
Insurify partners with 120+ top companies to show the most accurate quotes
Excellent
4.7 out of 5 based on 11,762 reviews
Secure. Free. Easy-to-use.
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: Tuesday, February 10 at 11:00 AM PST.Data reviewed by Konstantin HalachevKonstantin HalachevVP of Engineering & Data Science7+ 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.
CityAverage Quote: Liability OnlyAverage Quote: Full CoverageWarwick $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 $180 per month. Drivers in the state pay $151 per month for liability coverage and $209 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 $151 per month for liability coverage and $209 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
- 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.
Related articles
)
Best Car Insurance in Rhode Island
February 11, 2026
)
Car Insurance Requirements in Rhode Island
February 12, 2026
)
Car Insurance for High-Risk Drivers in Rhode Island
February 12, 2026
)
Average Car Insurance Cost in Rhode Island
April 29, 2025
)
How Long Does It Take to Get Car Insurance?
February 12, 2026
)
Can You Get Car Insurance Without a Permanent Address?
February 12, 2026
)
What Is a Captive Agent in Car Insurance?
February 12, 2026
)
Can You Get an Anonymous Car Insurance Quote?
February 12, 2026
)
Best Cheap Car Insurance Quotes in Providence, RI,
February 12, 2026
)
Free Car Insurance Quotes Online - Compare Rates & Save
February 12, 2026
)
Shopping for Car Insurance: How to Compare Quotes and Save
February 12, 2026
Can You Get an Anonymous Car Insurance Quote?
February 12, 2026
)
Best Commercial Truck Insurance Companies
February 11, 2026
)
A Guide to New-Car Insurance
February 12, 2026
)
The 10 Largest Auto Insurance Companies in the U.S.
February 12, 2026
)
Can You Get Car Insurance Without a VIN?
February 12, 2026
Sources
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
)
Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. Sarah joined Insurify’s freelance team in September 2022, and has written more than 100 articles aimed at helping readers feel confident about their insurance coverage.
She covers a wide range of insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
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.
Featured in
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 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.