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Cheap DUI Car Insurance in Rhode Island (With Quotes)

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Doug Shaffer

By: Doug Shaffer

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Best DUI Insurance Companies in Rhode Island (2022)

For drivers with a DUI or DWI offense in Rhode Island, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Rhode Island. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Rhode Island.

CarrierAvg. Monthly Cost
Liberty Mutual$336
American Family Insurance$374

DUI Car Insurance Costs in Rhode Island

In Rhode Island, a DUI or DWI offense will on average have drivers paying $720 per month and $8,640 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 104% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.

Avg. Monthly Cost - No Violation
$353
Avg. Monthly Cost - After DUI
$720
$367 ▴
103.97% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates

Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

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How Much Does a DUI Impact Car Insurance Rates in Rhode Island?

Driving violations can have a negative impact on your car insurance rates and that is especially true for DUIs. In fact, DUI violations tend to cause the biggest premium rate spikes out of all single driving violations in Rhode Island. One occurrence results in a 104 percent increase in average insurance rates.

Typically, drivers with no incidents on their records will pay $353 in monthly premiums. However, a DUI can cause the average price of coverage to increase to about $720. The additional $367 a month isn't permanent but can cause financial hardship, which is another reason shopping for quotes is important.

No Violation - Avg. Monthly Rate After DUI - Avg. Monthly Rate Average Percent Increase After DUI
$353$720103.97%

What Are the Average Car Insurance Prices After a DUI in Rhode Island?

Rhode Island currently ranks as one of the most expensive states in the country for auto insurance with a DUI. As of right now, the state has the second-highest average cost of coverage, at $719.83. This is also 3.5 times higher than the lowest state on the list, Alaska, which costs drivers roughly $200 a month.

Once your DUI has aged, your rate will decline back toward the average price of coverage for drivers without a DUI. Until then, shopping around can help find affordable options.

Rhode Island After DUI Avg. Monthly Rate Most Expensive State for DUI (1-50)
$7202nd

How Long Is the Lookback Period for a DUI in Rhode Island?

If you have more than one DUI on your record during a short span of time, there could be additional penalties you face. One reason for that is due to DUI violations being considered priorable offenses. The good news is that there is a limit to how long DUIs will count against you for sentencing and penalty purposes in Rhode Island. This limited time frame is referred to as the lookback period.

In Rhode Island, the lookback period lasts for five years, one of the shortest periods of time before a DUI can be excluded from a driving record. Some states, like Massachusetts, have a lifetime lookback period. Multiple offenses can result in a longer lookback period of 10 years in some cases.

Rhode Island DUI Penalties

The penalties for a DUI in Rhode Island can range from forgiving to severe, depending on how many violations you have within the 10 year lookback period. For first-time offenders, the penalties typically include up to one year in jail, fines as high as $500, and the possibility of license revocation up to 18 months. Further instances of DUIs on your record can result in enhanced penalties.
The main difference between the first and second DUI, besides the increase in fines and jail time, is the requirement of an ignition interlock device. If a driver has three or more violations on their record, they could be sentenced to up to five years in jail and have to pay more than $5,000 in fines. License suspension for a minimum of two years is also common for motorists with multiple DUIs.

Top Auto Insurance Companies

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FAQs - Rhode Island Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Rhode Island. Insurify analyzed the latest data for the five most populous cities in Rhode Island to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Rhode Island and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Doug Shaffer
Doug Shaffer

Content Writer at Insurify

Doug Shaffer is an insurance writer for Insurify. He has had the opportunity to write for several large, national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. Even though he enjoys writing for most product lines, he loves auto insurance the most. During the moments he manages to break away from the keyboard, he can be found spending time with his family.

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