Cheap Auto Insurance Quotes in Providence, RI (2021)

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Car Insurance in Providence, RI

The average cost of Rhode Island car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Providence, RI to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$129
$270
ProgressiveTravelers
Monthly $

Cheapest Car Insurance in Providence, RI

Here are the cheapest carriers in Providence for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$280
$284
$301
$332
$282
$200
Rhode IslandWarwickCranstonPawtucketEast ProvidenceProvidence
Monthly $

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Providence, RI Driving Facts

rhode-island

Minimum Car Insurance Requirements in RI

The state of Rhode Island requires all motor vehicle operators to have proof of insurance available in the car at all times. The minimum bodily injury liability insurance requirements in Rhode Island are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits that Rhode Island state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liability insurance requirements in Rhode Island are:

  • $25,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of Rhode Island requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.

Find local Providence agents

Burns & Cotter, Inc. 
206 Waterman Street, Providence, RI 02906
Oscar & Victor Associates, LLC 
397 Cranston Street, Providence, RI 02907
Quetta Insurance, LLC 
400 Resoervoir Ave Ste 2B, Providence, RI 02907-3565
Provider Insurance Group LLC 
275 Promenade St Ste 130, Providence, RI 02908-5755
C & L Agency, Inc. 
242 Reservoir Ave, Providence, RI 02907-3431
Starkweather & Shepley 
P O Box 549, Providence, RI 02901
AAA Northeast Insurance Agency Inc 
110 Royal Little Drive, Providence, RI 02904-1863
Farmington Insurance Agency 
24 Farmington Ave, Providence, RI 02909-5406
Provider Insurance Group 
275 Promenade Street Suite 130, Providence, RI 02908
Insurance Leader, Inc. 
1237 Elmwood Ave, Providence, RI 02907-3719

Insurify Insights: How Providence Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Providence, RI
suspended licenses
#2
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Providence drivers measure up to their fellow Rhode Island motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Providence

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Providence drivers rank 7 in the number of car accidents per driver across all cities in Rhode Island.

  • Rank within state: #7
  • Percent of drivers in Providence with an accident: 10.3%
  • Drivers in Providence, RI with an accident in their driving history paid on average 14.78% more than drivers with a clean record

Speeding Providence

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Rhode Island, Providence drivers rank 5 in the number of speeding infractions per driver.

  • Rank within state: #5
  • Percent of drivers in Providence with a speeding ticket: 4.94%
  • Drivers in Providence, RI with a speeding ticket in their driving history paid on average 48.66% more than drivers with a clean record

DUI/DWIs Providence

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Providence drivers rank 5 in the number of DUI’s per driver across all cities in Rhode Island.

  • Rank within state: #5
  • Percent of drivers in Providence with a DUI: 0.66%
  • Drivers in Providence, RI with a DUI in their driving history paid on average --% more than drivers with a clean record

Rude Providence

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Rhode Island, Providence drivers rank 4 in rude driving infractions.

  • Rank within state: #4
  • Percent of drivers in Providence with a reckless driving violation: 1.43%
  • Drivers in Providence, RI with a reckless driving violation in their driving history paid on average 23.66% more than drivers with a clean record.

Safest Drivers Providence

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Providence drivers rank 1 in clean driving records across all cities in Rhode Island.

  • Rank within state: #1
  • Percent of drivers in Providence with clean record: 85.02%

Failure to Yield the Right of Way Providence

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Providence drivers rank 3 in failure to yield violations per driver across all cities in Rhode Island.

  • Rank within state: #3
  • Percent of drivers in Providence with a failure to yield violation: 0.15%
  • Drivers in Providence, RI with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Providence

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Rhode Island, Providence drivers rank 2 in the number of reckless driving offenses per driver.

  • Rank within state: #2
  • Percent of drivers in Providence with a reckless driving offense: --%

Most Popular Vehicle Providence

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Providence is the Honda Accord.

Most Patriotic City

Most Patriotic City

Providence

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Pawtucket won Insurify's Most Patriotic Cities Award for the state of Rhode Island. It was once a major node of the textile industry during the Industrial Revolution.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.