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Temporary Car Insurance in Rhode Island (With Quotes)

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Courtney Roy

By: Courtney Roy

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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Cheapest Companies for Temporary Car Insurance Rhode Island (2022)

For drivers looking for temporary insurance 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 will allow you to get the best possible insurance rate for drivers looking for a 6-month policy.

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 temporary car insurance for drivers in Rhode Island.

CarrierAvg. Monthly Cost
Nationwide$301
Midvale$324
Travelers$338

What Is Temporary Car Insurance and How to Get It in Rhode Island?

For the Ocean State, temporary car insurance policies typically last six months and are often more affordable than long-term, 12-month policies. you're only a quick search away from countless companies advertising daily, weekly, or monthly policies, but these are often just a tricky way to get you into a standard six-month policy. In the U.S., most car insurance companies only offer six- or 12-month policies. If you need less than six months, consider buying a six-month policy and canceling early.

What happens if you sign up with a company and later find out it's a poor fit? Short-term car insurance policies are one way to eliminate buyer's remorse because you're never more than six months away from picking the best deal. And if you're on the lookout for that low price in Rhode Island, just head over to Insurify. Insurify gives you up to 20 short-term car insurance quotes from top companies within minutes!

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What Are the Average Short-Term Car Insurance Rates in Rhode Island?

According to Insurify's database of over 25 million quotes, Rhode Island's six-month policies cost $1,436 on average. The price breaks down to $239 per month, a rate that makes Rhode Island 19th for most expensive short-term car insurance in the country. Drivers may think Rhode Island has pricey rates, but they're far better than the premiums in Michigan, the most expensive state, where people pay over $200 more, at $440 per month.

Length of Short-Term Insurance PolicyAvg. Monthly Rate, Short-Term Policy Total Cost of 6 Month, Short-Term Policy
6 months$239$1,436

What Are the Benefits of Choosing a Six-Month Auto Insurance Policy in Rhode Island?

You can expect to see the most competitive rates from car insurance companies when you first sign up. As you stay longer, it's common for your price to go up. That means the company with the best premium today might cost you more in the near future. Buying temporary car insurance gives you the best deal the industry offers every six months.

Another reason for choosing temporary car insurance policies is the flexibility. Insurance agent, claims process, or customer service leave you dissatisfied? With a short-term policy, making the switch to a new company is never more than a few months away. While you're on the hunt, invest a few minutes to check out Insurify and discover the best company with superior service and an appealing price.

Find Cheap Short-Term Car Insurance in Minutes

You could find cheap short term car insurance options in Rhode Island within minutes using Insurify. All you’ve got to do is fill in some basic information about yourself and your car, and you’ll be presented with a list of up to 20 short-term car insurance policy options within minutes. These quotes are customized, real-time, and accurate. Insurify also allows you the option to toggle between the rates for a six-month policy and a 12-month policy—that way you can see for yourself which option is best for you.

Compare quotes fast, free, and online with Insurify’s car insurance quote comparison tool.

Best Short-Term Car Insurance Plans in Rhode Island

Insurance prices and policies can vary significantly between companies, and a state like Rhode Island draws a wide variety of choices when drivers are evaluating temporary car insurance plans.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

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.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology copywriter. He creates content that makes an actionable difference in the life of his readers. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering. He and his wife chase their five kids in the Phoenix, Arizona sun. You can learn more at thecopyprophet.com.

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