4.8out of 3,000+ reviews

Cheap Auto Insurance Quotes in Providence, RI (May 2022)

Secure. Free. Easy-to-use.
Car Insurance
Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with the best car insurance companies in the U.S. to provide a tailored car insurance comparison experience. To date, we've delivered over 26 million quotes from both national and regional companies to over 4 million customers. Check out reviews from over 3,000 satisfied customers, how we make money, how we get our data, our editorial standards, and a list of our partners.

Quick Facts

  • The average cost of car insurance in Providence is $342 per month, or $4104 annually.
  • Car insurance in Providence is $106 more than the average cost of car insurance in Rhode Island.
  • The cheapest car insurance provider in Providence on average is Safeco, but you should always compare quotes to find your best personal rate.

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 Companies

Progressive
$129
Travelers
$270

Cheapest Car Insurance in Providence, RI

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in ProvidenceQuotes
Progressive$129 /mo
Travelers$270 /mo

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Average Car Insurance Cost

Rhode Island Cities
Warwick$284/mo
Cranston$301/mo
Pawtucket$332/mo
East Providence$282/mo
Providence$200/mo
Rhode Island$280/mo
Providence
$200
Average for RI
$280
East Providence
$282
Warwick
$284
Cranston
$301
Pawtucket
$332
Click here to learn about car insurance quotes and save on your current policy.

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
View more

FAQs - Providence, RI Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

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.

Insurify Insights

How Providence Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Providence, Rhode Island below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Providence drivers measure up to their fellow motorists across Rhode Island in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in Providence

#5

City with the Most Speeding Tickets Rank in Rhode Island

#9

City with the Most Moving Violations Rank in Rhode Island

#5

City with the Most DUIs Rank in Rhode Island

#5

City with the Most Suspended Licenses in Rhode Island

  • 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 pay on average 14.78% more than drivers with a clean record
  • 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 pay on average 48.66% more than drivers with a clean record
  • 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 pay on average 0% more than drivers with a clean record
  • 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 pay on average 23.66% more than drivers with a clean record.
  • 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%
  • 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 pay on average 0% more than drivers with a clean record
  • 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: 0%
  • 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.

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
Linkedin

Content Specialist at Insurify

Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.

Learn More