Cheapest Auto Insurance in Rhode Island (2025)
USAA, Safeco, and GEICO offer some of the cheapest car insurance rates for Rhode Island drivers.
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Written bySarah Sharkey
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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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Edited byAshley Cox
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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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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
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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
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Table of contents
Rhode Island’s full-coverage car insurance average is lower than the national average, according to Insurify data. Its liability car insurance costs are also lower. In the Ocean State, liability-only coverage averages $139 per month, compared to the national average of $107.
A 50% increase in fatal traffic accidents from 2022 to 2023 and a high number of alcohol-impaired drivers could contribute to the Ocean State’s insurance costs.[1] [2]
Here’s what you should know about finding car insurance in Rhode Island.
Quick Facts
Rhode Island’s average cost of full-coverage car insurance is $219 per month, and liability-only coverage averages $139 per month.
Nearly 44% of all fatal crashes in the state in 2022 involved alcohol, compared to the national average of 30%, according to the Rhode Island Department of Transportation.
In the first nine months of 2023, Rhode Island saw a 50% increase in the number of traffic fatalities, according to the National Highway Traffic Safety Administration.
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. | $98/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. | $136/mo |
4.9
Best choiceBased on 2,100 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 (1,192)
John
June 17, 2025
Verified Review
USAA Critique
High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.
Marlon
June 15, 2025
Verified Review
Don't let them hook you
Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.
Timothy
June 10, 2025
Verified Review
The Old Bait and Switch
There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.
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 | 4.4 |
|---|---|
| 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. | $115/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. | $206/mo |
4.4
Best choiceBased on 873 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 (490)
Donald
June 26, 2025
Verified Review
DC insurance
Safeco is a good insurance company. The website is easy to navigate. I did not file a claim, so it would be difficult to answer questions regarding service.
Ray
June 18, 2025
Verified Review
Heads Up
Watch for the rising rates after a year.
Jerri
June 6, 2025
Verified Review
SAFECO Ins. - Not for Me
WARNING - Stick with whatever payment plan you begin with. I used to pay in full for each six-month policy. Last month I was short, so I paid 72% of my six-month premium on the 6th and tried to pay the balance on the 28th. (Premium for the six months was due on May 1.) They refused the payment and canceled my policy. I had been with them since 2021. No loyalty - no reinstatement, they just sent me a refund less one month! BEWARE - they would not negotiate at all, no renewal. Then they showed I had no insurance and the rate skyrocketed everywhere because when they checked me out online, it said I currently had no insurance!
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. | $212/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. | $279/mo |
4.0
Best choiceBased on 11,989 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 (6,432)
Rosemary
July 2, 2025
Verified Review
Geico is the worst!
Geico is the worst insurance company ever. They increased my rate over 100 percent with no tickets or claims.
Deejane
June 30, 2025
Verified Review
Geico Forever
All good for over 50 years.
Joshua
June 30, 2025
Verified Review
GEICO has the best rates
Thank you for your service.
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:[3]
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.
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.[4]
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 $139 for liability-only insurance. The following table provides examples of liability rates from some top insurers.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $98 |
| Safeco | $115 |
| State Farm | $126 |
| Direct Auto | $153 |
| Progressive | $170 |
| Liberty Mutual | $187 |
| GEICO | $212 |
| Nationwide | $223 |
| Travelers | $236 |
| Allstate | $306 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $219 per month. Here are the cheapest car insurance rates Rhode Island drivers can find to secure affordable full-coverage insurance.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $136 |
| State Farm | $175 |
| Safeco | $206 |
| Progressive | $237 |
| Direct Auto | $249 |
| Liberty Mutual | $254 |
| GEICO | $279 |
| Nationwide | $311 |
| Travelers | $329 |
| Allstate | $427 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $80/mo for liability only and $131/mo for full coverage in Rhode Island.
*Quotes generated for Insurify users from Rhode Island within the last 10 days. Last updated on July 3, 2025. 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 July 3, 2025. 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 July 3, 2025. 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 July 3, 2025. 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 $300 $473 Adult drivers $135 $212 Senior drivers $118 $185 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $139 per month for a liability policy. But Rhode Island drivers with a DUI pay a monthly average of $224 for liability coverage.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
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 | $117 | $127 | $150 |
| Safeco | $142 | $157 | $183 |
| State Farm | $149 | $161 | $193 |
| Direct Auto | $185 | $204 | $235 |
| Progressive | $200 | $225 | $274 |
| Liberty Mutual | $229 | $246 | $287 |
| GEICO | $261 | $258 | $325 |
| Nationwide | $269 | $290 | $342 |
| Travelers | $285 | $307 | $362 |
| Allstate | $365 | $394 | $470 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.Data reviewed by Konstantin Halachev7+ 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 CoverageProvidence $173 $272 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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.
The overall average cost of car insurance in Rhode Island is $179 per month. Drivers in the state pay $139 per month for liability coverage and $219 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.
Yes. Rhode Island’s average cost of full-coverage car insurance is slightly less than the national average. In the Ocean State, drivers pay $219 per month for full coverage, compared to the national average of $193. Liability costs in the state also trend lower than the national average: $139 versus $107.
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 90 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.
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Sources
- National Highway Traffic Safety Administration. "Early Estimate of Motor Vehicle Traffic Fatalities For the First 9 Months (January–September) of 2023."
- Rhode Island Department of Transportation. "Impaired Driving."
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered 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.
Sarah has been a contributor at Insurify since September 2022.
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
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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.