Best Cheap Auto Insurance in Providence, Rhode Island (2026)

Providence drivers pay an average of $237 per month for car insurance, compared to Rhode Island’s average monthly rate of $180. You’ll pay $194 per month for liability coverage and $280 for full coverage.

The best way to find affordable coverage is to compare car insurance quotes from multiple insurers. Each company has a different formula to calculate your rates, and by getting rates from several insurers, you can cast a wider net to find the best coverage for you in Providence.

Best car insurance companies in Providence

While the cheapest car insurance company below might seem like the best choice, it’s not always the right fit for every driver. Your unique rates will depend on various factors, like your age, driving record, and credit score, so it’s crucial to compare quotes from multiple companies before buying. Below, you’ll find the top insurers for a few main driver categories in Providence.

Best insurer for military families: USAA

military families

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User Reviews	4.9 1,426 reviews
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.	$135/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.	$161/mo

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Driver Reviews

4.9

Best choiceBased on 2,814 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 (1,426)

Richard

Verified Review

No Problem

Reviewed in North Dakota on January 28, 2026

No problem. I pay the bill and have not had to use the insurance.

Dale

Verified Review

USAA Experience

Reviewed in Colorado on January 28, 2026

Transparent, very good service, good value.

John

Verified Review

Shop around and don't be fooled

Reviewed in Florida on January 28, 2026

When you try to cancel, you get hassled, and they only think of money and how much they can get from you. It's the second most expensive car insurance I've ever had.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

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 is a full-service financial institution offering insurance, bank accounts, retirement savings plans, loans, and investment options. To qualify, you need to be an active-duty service member, veteran, or spouse or child of someone who already is a USAA member.

This one-stop shop for financial services offers a range of benefits for military members and their families — starting with great rates.

Pros

• Highly rated app

• Lots of military-specific discounts

• Excellent customer satisfaction rating

Cons

• Doesn’t offer gap coverage

• Not available to the general public

• Limited hours for call-in customer support

Best insurer for cheap rates: Safeco

cheap rates

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User Reviews	4.3 528 reviews
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.	$160/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$275/mo

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Driver Reviews

4.3

Best choiceBased on 981 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 (528)

Stephen

Verified Review

Costs too much

Reviewed in Colorado on January 28, 2026

The insurance is good, but the cost is too high.

Farid

Verified Review

Analysis

Reviewed in California on January 26, 2026

For me, they raised rates too much.

Randy

Verified Review

Paperwork

Reviewed in Michigan on January 24, 2026

A lot better, more money but less red tape. They kind of were difficult, would not renew my policy because they said I didn't send in a paper I had to sign, which I did.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

613

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 is owned by Liberty Mutual and differentiates itself by offering a more personalized — yet more affordable — touch. You’ll work with a local insurance agent for everything, including help with getting a quote and purchasing a policy.

If you’re a homeowner as well, you’ll only have to pay one deductible if both your house and car are damaged in the same incident. Safeco pairs you up with a local agent to get a quote and manage your policy, all while maintaining low premiums.

Pros

• Highly rated mobile app

• Dividends offered to claims-free drivers

• Single-loss deductible for bundled policies

Cons

• Few discount options

• Limited coverage options

• Quotes not available online

Best insurer for discounts and customization: State Farm

discounts and customization

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User Reviews	4.0 6,919 reviews
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.	9.3 /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.	$173/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

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Driver Reviews

4.0

Best choiceBased on 14,346 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,919)

June

Verified Review

Auto Claims Which Are Not Correct

Reviewed in California on January 28, 2026

The insurance claim agents never look at the accidents to see when the claimants overcharge State Farm. State Farm never investigates the claims fairly because they will never leave their computers to check out what is true or false. State Farm paid $18,000 for a fender bender I had in SF in 2021 because I ran into an older car in front of me. That was ridiculous.

June

Verified Review

My Experience with Auto Claims

Reviewed in California on January 28, 2026

I have had 3 accidents in the last 5 years, and I think State Farm just pays out to the claimant without looking into the reasons.

Nixon

Verified Review

I'm grateful for everything they've done for me, and the coverage is top-notch.

Reviewed in Louisiana on January 28, 2026

So far, it's the best insurance I've had for my cars, and I honestly recommend it.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

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

State Farm is the largest insurer of private passenger cars in the country, and it doesn’t skimp on quality. It consistently gets top ratings for its helpful mobile app, overall customer service, and claims satisfaction.

The only caveat is State Farm is better for standard drivers. If you have any insurability challenges, such as a poor credit score or a history of accidents or tickets, it may not be quite so affordable. This large insurer offers a good blend of quality customer service, strong financial standings, and plenty of coverage options.

Pros

• Offers rideshare coverage

• A++ AM Best rating

• High customer satisfaction ratings

Cons

• Doesn’t offer gap coverage

• More expensive if you’ve had a violation

• Drivers with bad credit may pay higher-than-average rates

How to get the cheapest car insurance in Providence

One of the best ways you can get cheap car insurance is by comparing quotes. Each company weighs factors differently — your credit score may be more important with one company, for example, while your driving record may be a bigger influence with another insurer.

Other factors companies look at include your marital status, age, gender, ZIP code, and how long you’ve been driving. Here are a few ways you can save:

• Increase your deductible. The higher the deductible you choose, the lower your premiums will be — but make sure you select a deductible that you can still afford to pay out of pocket if needed.

• Bundle home and auto policies. Many insurers offer generous discounts to drivers who bundle their auto policies with home or renters insurance.

• Apply for discounts. Look for companies that offer relevant discounts for you, but be mindful that your overall costs can still be lower with a company that doesn’t offer many discounts.

• Consider a telematics program. Many companies offer mobile apps or devices you can plug into your car to record your driving, with corresponding rate reductions for good drivers.

• Reduce your amount of coverage. Purchasing a smaller amount of coverage (if you’re already buying more than legally required) can be a good way to save money.

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Cheapest liability-only car insurance in Providence

If you’re looking for the lowest-cost option, purchasing a minimum level of liability car insurance is the way to go. This helps cover the cost of any injuries or damages you cause to other people while you’re behind the wheel. However, it won’t cover any injuries or damages to you or your car.^[1]

On average, drivers in Providence pay $194 per month for liability insurance. The table below lists liability rates from popular insurers in Rhode Island.

The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
USAA	$135
Safeco	$160
State Farm	$173
Direct Auto	$207
Liberty Mutual	$242
GEICO	$263
Nationwide	$306
Travelers	$323

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 in Providence

Full-coverage car insurance is a good choice if you want thorough protection. In addition to liability coverage, full-coverage policies typically include collision and comprehensive coverages, which pay to fix your car after collisions with vehicles and other objects and damage from non-collision events, like theft, vandalism, and weather.^[1]

On average, drivers in Providence pay $280 per month for full-coverage insurance. The table below lists full-coverage rates from popular insurers in Rhode Island.

The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
USAA	$161
State Farm	$208
Safeco	$275
GEICO	$317
Direct Auto	$323
Liberty Mutual	$357
Nationwide	$369
Travelers	$389

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.

Car insurance requirements in Rhode Island

Rhode Island, like most states, is an at-fault state for auto insurance. This means you’ll need to pay for damages and injuries to another party if you cause a car accident, and vice versa. Rhode Island state law requires you to carry a minimum level of liability coverage.^[2]

Below are the minimum limits you must carry to drive legally in the state:

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

Other types of coverages you may want to consider adding include:

• 

  Collision coverage

  Collision coverage pays for physical damage to your car after collisions with vehicles or objects like trees and telephone poles.

• 

  Comprehensive coverage

  Comprehensive coverage pays for non-collision damages, such as when your neighbor’s kid breaks a window with a baseball or if a tree falls on your car.

• 

  Medical payments coverage

  Medical payments covers medical costs and other related costs if you’re involved in an accident.

• 

  Personal injury protection (PIP) coverage

  Personal injury protection (PIP) covers lost wages and non-medical expenses.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage provides liability coverage if you’re hit by someone driving illegally without insurance or if their coverage isn’t sufficient.

Cheapest car insurance for drivers with an incident

Having an incident on your driving record — most commonly a speeding ticket, at-fault accident, or a conviction for driving under the influence (DUI) — can affect your ability to get affordable coverage. These infractions typically result in an increase in your car insurance rates, though it may take more than one speeding ticket to see a big effect.^[3]

While many insurers will charge you higher rates after these incidents, you can still find affordable coverage from some companies. Some even specialize in offering coverage to higher-risk drivers.

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Cheapest car insurance for drivers with a speeding ticket

Having multiple speeding tickets on your record indicates you have a history of risky driving, and it’s only a question of when you need to file a claim. Speeding was a contributing factor in about a third of car crash deaths in 2021, according to the National Highway Traffic Safety Administration.^[4]

Providence drivers pay on average $243 per month for liability coverage and $350 per month for full coverage after a ticket.

But, you can likely find a cheaper rate from one of the carriers below.

The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST. 

Insurance Company	Liability Only	Full Coverage
USAA	$174	$207
Safeco	$211	$362
State Farm	$219	$263
Direct Auto	$259	$404
Liberty Mutual	$308	$454
GEICO	$343	$413
Nationwide	$396	$477
Travelers	$418	$503

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 car insurance for drivers with an at-fault accident

An at-fault accident on your record shows insurers that you’re more likely to get into an accident again in the future. Your rates will likely increase, and you may find more frequent rejections from insurance companies when you do shop around for rates.

Providence drivers pay on average $246 per month for liability coverage and $356 per month for full coverage after an accident.

Below are the most affordable insurers in Providence for drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST. 

Insurance Company	Liability Only	Full Coverage
USAA	$177	$211
Safeco	$220	$378
State Farm	$223	$269
Direct Auto	$277	$432
Liberty Mutual	$315	$465
GEICO	$333	$402
Nationwide	$402	$485
Travelers	$425	$511

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 car insurance for drivers with a DUI

Driving under the influence (DUI) is one of the most serious offenses you can commit behind the wheel. Not only will your insurance rates skyrocket, but many insurers may even decline to offer you coverage at all. Even so, you can still find a few insurers that will cover you.

On average, Providence drivers with a DUI pay $281 per month for liability coverage and $405 per month for full coverage.

Below, you’ll find some of the best choices in Providence if you have a DUI.

The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST. 

Insurance Company	Liability Only	Full Coverage
USAA	$197	$235
Safeco	$251	$431
State Farm	$252	$304
Direct Auto	$302	$471
Liberty Mutual	$353	$521
GEICO	$380	$458
Nationwide	$447	$539
Travelers	$471	$568

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 car insurance for seniors

Senior drivers have the most experience of anyone on the road — one of the key factors that insurers consider when setting rates. On average, Providence seniors pay $159 per month for liability insurance, and $230 per month for full coverage.

However, as your cognitive and physical condition starts to decline, insurers will start to raise rates again.^[5] But you can still find affordable rates with some insurers. Below are the cheapest options for senior drivers in Providence.

The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST. 

Insurance Company	Liability Only	Full Coverage
USAA	$107	$127
State Farm	$133	$159
Safeco	$136	$235
Direct Auto	$162	$253
Liberty Mutual	$197	$291
GEICO	$204	$245
Nationwide	$228	$275
Travelers	$251	$303

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 car insurance for teens

Young drivers have the least experience on the road, so they typically face the highest rates. Providence teens pay $376 per month for liability insurance, and $543 per month for full coverage.

Some ways teens can save on car insurance are by staying on their parent’s policy, driving cars with extra safety features, and applying for good student discounts.

The below rates are estimated rates current as of: Wednesday, January 28 at 11:00 AM PST. 

Insurance Company	Liability Only	Full Coverage
USAA	$258	$308
Safeco	$333	$572
State Farm	$346	$416
Direct Auto	$414	$646
Liberty Mutual	$442	$652
GEICO	$489	$589
Nationwide	$617	$744
Travelers	$689	$829

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.

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Providence car insurance quotes by credit tier

Insurers in Providence are permitted to use your credit score when determining your rates.^[1] Drivers with good credit typically pay less than drivers with poor credit. Here’s how much Providence residents pay for car insurance based on their credit scores:

Is car insurance more expensive in Providence?

Car insurance costs a good bit more in Providence compared to the national average. While the average U.S. resident pays $106 per month for a liability-only policy, Providence residents pay $143. Full coverage costs even more, with an average premium of $204 for people living in Providence versus $172 per month for the entire U.S.

Rates may be higher in Providence for many reasons. One contributing factor may be the number of uninsured drivers: One out of every six drivers in Rhode Island doesn’t carry any insurance, and this drives up costs for everyone. Other factors could include things like higher rates of vandalism, theft, and road rage incidents.

More cities in Rhode Island

Even within Rhode Island itself, Providence is one of the most expensive places to insure your car, with the average cost of car insurance in Rhode Island sitting at $209. Here’s how average full-coverage quotes compare between Providence and neighboring towns:

City	Average Monthly Quote	Compared to Providence
Cranston	$142	-30%
Johnston	$174	-15%
Pawtucket	$180	-12%
Warwick	$139	-32%

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.

Providence car insurance FAQs