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In 2016, the state of Rhode Island was home to 753,143 licensed drivers, according to the Federal Highway Administration. That number is small but not insignificant, and if you’re one of those drivers, this guide to shopping for car insurance in Rhode Island will help you figure out how much insurance you need and what you’re likely to pay based on the different factors and variables that influence insurance premiums. These factors include age and driving experience, gender, driving record, credit score, and the city or town in which the vehicle is registered.

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Cheapest Car Insurance Companies in Rhode Island

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from 10 largest car insurance companies in the United States, using certain driver profiles. Your rates will differ. See more about the rates in this study.

How We Found the Cheapest Car Insurance in Rhode Island

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, government, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings. 

Our Study Rates

For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the 10 largest national car insurance companies, though not every company operates in every state Quadrant obtained publicly available rate data that car insurers file with state regulators. Our study rates are based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage ranging from 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculation of certain driver archetypes. To get the state-wide study rates shown here, we computed the mean rate for male and female drivers ages 24, 35 and 60 who drive 15,000 miles per year, have medium coverage, good credit and a clean driving record. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Because car insurance rates are based on individual factors, your car insurance rates will differ from the rates shown here. 

How Much Does Car Insurance Cost in Rhode Island?

If you’re shopping for a new auto insurance policy in Rhode Island, the Quadrant Information Services study can give you representative rates based on driver profiles. This data shows how rates stack up in Rhode Island among the nation's seven largest car insurance companies based on factors such as age, gender, annual miles driven, driving record, and the city or town the car is registered in.

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According to the data from Quadrant Information Services, the average statewide study rate for car insurance in Rhode Island is $1,582.14. Of the seven insurance companies in the study, Nationwide has the highest average representative rate in the state, at $2,416.56. Next is Allstate, with a study rate of $2,264.02. Then comes Geico at $1,525.37, Progressive at $1,487.39, Travelers at $1,216.34, and State Farm at $1,110.54. Finally, USAA comes in the cheapest, with a statewide average study rate of $1,054.75 for Rhode Island drivers.

Rhode Island Car Insurance Rates by Age

To find the average rates in or study based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

First, we’ll take a look at the average study rates for the 25-year-old male and female driver profiles, which generally have the highest premiums of the three age groups in the study. For the 25-year-old woman profile, the average representative rate from auto insurance companies in our study is $1,700.82. For the male profile in this age group, the average representative rate is $1,820.34. Study data shows that the female profile in this age group has the highest average representative rate with Nationwide, $2,777.70, and the lowest average rate with State Farm, $1,182.79. Nationwide also has the highest average representative rate for the 25-year-old male profile, at $3,049.11. The male profile in this group has the lowest representative rate with USAA, at an average of $1,314.61.

In general, car insurance rates go down for the 35-year-old men and women driver profiles, according to our study data. In Rhode Island, the average car insurance representative rate for the female profile in this age group is $1,525.23, and for the male profile, it is $1,522.32. For the 35-year-old woman profile, the company with the highest average representative rate is Nationwide, coming in at $2,281.77. Nationwide is also the most expensive insurance company for the male profile in this age group, with an average representative rate of $2,323.91. USAA has the lowest average representative rate for both 35-year-old male and female profiles, $958.41 for the former and $968.35 for the latter.

Of the age groups in the study, the 60-year-old women and men driver profiles benefit from the lowest car insurance rates. In Rhode Island, the representative average rate for the female profile in this age group is $1,444.59, and for the male profile, it’s $1,479.52. Of the seven major auto insurance companies in the study, Allstate is the most expensive for this age group according to study data, with representative average study rates of $2,186.26 for the female profile and $2,313.13 for the male profile. USAA is the cheapest, with a representative average rate of $907.39 for the male driver profile and $924.21 for the female driver profile.

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$2,409.84

$2,330.16

$2,143.46

$2,201.27

$2,313.13

$2,186.26

Geico

$1,387.45

$1,329.85

$1,626.64

$1,554.98

$1,626.64

$1,626.64

Nationwide

$3,049.11

$2,777.70

$2,323.91

$2,281.77

$2,103.70

$1,963.19

Progressive

$1,838.99

$1,807.88

$1,344.69

$1,424.18

$1,255.15

$1,253.42

State Farm

$1,390.68

$1,182.79

$1,082.41

$1,082.41

$962.46

$962.46

Travelers

$1,351.69

$1,221.84

$1,176.71

$1,163.68

$1,188.18

$1,195.96

USAA

$1,314.61

$1,255.51

$958.41

$968.35

$907.39

$924.21

Rhode Island Car Insurance Rates by Annual Mileage

Next, we’ll examine how auto insurance rates are adjusted based on annual mileage. Quadrant Information Services looked at two groups, those with average travel of 6,000 miles annually and 12,000 miles annually. These driving record representative profiles included 25-, 35-, and 60-year-old males and females with a medium level of insurance coverage and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The average representative rate for the low-mileage profile is $1,534.02, and the high-mileage profile sees an average representative rate of $1,582.14. Nationwide has the highest representative rate in the study for both profiles, coming in at $2,416.56. State Farm has the lowest study rate for the low-mileage group at $981.78 and USAA has the lowest study rate for the high-mileage group, $1,054.75. 

Company

6,000 miles annually

12,000 miles annually

Allstate

$2,232.77

$2,264.02

Geico

$1,394.22

$1,525.37

Nationwide

$2,416.56

$2,416.56

Progressive

$1,487.39

$1,487.39

State Farm

$981.78

$1,110.54

Travelers

$1,216.34

$1,216.34

USAA

$1,009.08

$1,054.75

Rhode Island Car Insurance Rates by Coverage Type

Quadrant Information Services also considered average car insurance rates for low, medium, and high coverage, using male and female driver profiles with ages of 25 years, 35 years, and 60 years. We created a profile for each level of insurance coverage and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual mileage. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

Quadrant Information Services also looked at average representative rates for different levels of car insurance coverage. In general, average study rates are the lowest with low coverage, increase with medium coverage, and increase more for high coverage, though there are a couple of exceptions amongst the study’s group of insurance companies in Rhode Island.

Amongst all the companies in the study, the average statewide study rate for low coverage is $1,534.02, medium coverage is $1,582.14, and high coverage is $1,637.75. In Rhode Island, there's only about a $100 difference between the low coverage profile and the high coverage profile. If you have low coverage and cause an accident with repair costs or medical bills that exceed the limit of your insurance, you'll be on the hook for far more than that $100. For relatively little extra money, you can better prevent yourself from financial difficulties down the road.

For low coverage, the most expensive company in the study is Nationwide, with an average study rate of $2,416.56. Rhode Island drivers who want low coverage should check out State Farm, with an average representative rate of $981.78. For medium coverage, Nationwide is again the most expensive, at an average representative rate of $2,416.56, and USAA comes on the low end with an average representative rate of $1,054.75. The high coverage profile has the highest average representative rate with Allstate, at $2,454.19, and the lowest average representative rate with USAA, at $1,099.08.

Company

Low

Medium

High

Allstate

$2,232.77

$2,264.02

$2,454.19

Geico

$1,394.22

$1,525.37

$1,629.76

Nationwide

$2,416.56

$2,416.56

$2,326.47

Progressive

$1,487.39

$1,487.39

$1,598.61

State Farm

$981.78

$1,110.54

$1,188.34

Travelers

$1,216.34

$1,216.34

$1,167.78

USAA

$1,009.08

$1,054.75

$1,099.08

Rhode Island Car Insurance Rates by Credit Score

Next, let’s examine how credit history plays a role in insurance pricing. Our study reviewed the effects of credit scores on car insurance rates using male and female driver profiles with ages of 25 years, 35 years, and 60 years. We created a profile for each level of credit score (good, fair, and poor) and assigned the profiles a clean driving record, a good credit score, a medium level of insurance coverage, and 12,000 miles of annual mileage. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis. 

Insurance companies use credit history to help determine if a customer is low risk, meaning lower pricing, or high risk, meaning higher pricing. That is because customers who are generally good with money tend to be more responsible overall, or so the thinking goes. The Quadrant Information Services data reveals that all seven of the car insurance companies in our study increase pricing in Rhode Island as credit history gets worse.

In our study, the good credit driver profile has an annual average representative rate of $1,582.14 among the car insurers in the study. With the fair credit profile, the average study rate goes up to $1,892.16, and with the poor credit profile, it goes up to $2,702.01. The good credit profile has the highest representative rate with Nationwide, based on that company’s average representative rate of $2,416.56. USAA, which has an average representative rate of $1,054.75, has the lowest average study rates for this driver profile. Allstate has the highest average representative rate for the fair credit profile, at $2,972.24, and USAA is the best choice for the fair credit profile, with an average representative rate of $1,336.19. The poor credit driver profile has the highest average representative rate with Allstate once again, at $4,143.99, and Travelers has the cheapest average representative rate for this profile, at $1,701.31.

Company

Good

Fair

Poor

Allstate

$2,264.02

$2,972.24

$4,143.99

Geico

$1,525.37

$1,699.40

$2,697.97

Nationwide

$2,416.56

$2,625.86

$3,238.62

Progressive

$1,487.39

$1,869.54

$2,650.27

State Farm

$1,110.54

$1,343.80

$1,982.32

Travelers

$1,216.34

$1,398.11

$1,701.31

USAA

$1,054.75

$1,336.19

$2,499.62

Rhode Island Car Insurance Rates by Driving Record

Next, Quadrant Information Services examined how driving records, and specifically how having different types of offenses in an individual's driving history, affect insurance rates in Rhode Island. We compared driver profiles including those with a clean record, those with one speeding violation, those with one accident, and those with one instance of driving under the influence (DUI). These driving record representative profiles included 25-, 35-, and 60-year-old males and females with 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

The average study rate in Rhode Island for the driver profile with a clean record is $1,582.14. With one speeding violation, the average representative rate goes up to $1,905.72. The average study rate goes up again with one accident, to $2,223.09. With one DUI, the average is $2,788.53. Maintaining a clean driving record will help keep rates reasonable, and it's one of the few factors that affect insurance rates that you can control.

In general, the rates in our study go up based on the severity of the incident, from speeding violation to accident to DUI. The exceptions are Progressive, which has the lowest study rate for a DUI of the three offenses. State Farm has a consistent average representative rate among driver profiles with a clean record, one speeding violation, and one DUI, but raises rates for one accident. Travelers has higher study rates for one speeding violation than for one accident.

The clean driving record profile has the highest rates with Nationwide, which has an average representative rate of $2,416.56 for this group, and the lowest rates with USAA, at an average of $1,054.75. The driver profile with one speeding incident has a high average representative rate of $2,754.02 from Allstate and a low average representative rate of $1,110.53 from State Farm. With one accident, the highest average study rate is from Allstate, at $3,172.30, and the lowest average representative rate is from Travelers, at $1,276.41. With a single DUI, the highest average representative rate is from Geico, at $5,369.01, and the lowest average representative rate is from State Farm at $1,110.53.

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$2,264.02

$2,754.02

$3,172.30

$3,652.22

Geico

$1,525.37

$2,085.67

$2,323.65

$5,369.01

Nationwide

$2,416.56

$2,565.15

$2,839.97

$3,214.15

Progressive

$1,487.39

$2,120.93

$2,969.38

$1,910.44

State Farm

$1,110.54

$1,110.53

$1,448.17

$1,110.53

Travelers

$1,216.34

$1,482.67

$1,276.41

$1,945.71

USAA

$1,054.75

$1,221.10

$1,531.78

$2,317.64

Rhode Island Car Insurance Rates by City

Insurance companies also consider where you live as a factor in the rate you pay for insurance, since vehicles in high crime or high density areas are at more of a risk of being damaged or stolen than vehicles in lower crime areas. 

We checked our study's driver profiles in some of New Jersey's largest cities to find out how city of residence can affect insurance rates. Our profiles are based on 25-, 35-, and 60-year-old males and females with a clean driving record, up to 12,000 miles driven per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150. 

The places with the lowest average study rates are Woonsocket ($1,503.97) and Cumberland ($1,548.75). Providence ($2,067.80) and North Providence ($2,000.70) have the most expensive average study rates in Rhode Island.

City

Average Rate

Providence

$2,067.80

Warwick

$1,672.83

Cranston

$1,932.50

Pawtucket

$1,867.73

East Providence

$1,772.35

Woonsocket

$1,503.97

Coventry

$1,550.29

Cumberland

$1,548.75

North Providence

$2,000.70

Johnston

$1,923.68

Rhode Island Auto Insurance Minimum Coverage Requirements

In Rhode Island, drivers are required to carry bodily injury liability coverage, property damage liability coverage, uninsured/underinsured motorist coverage, uninsured motorist property damage coverage, and medical payments coverage. Below are the required minimum limits that all drivers must have:

  • Bodily injury liability coverage: $25,000 per person, $50,000 per accident

  • Property damage liability coverage: $25,000 per accident

If you choose bodily injury coverage or property damage coverage higher than the state minimum, you must also carry the uninsured/underinsured motorist coverage:

  • Uninsured/underinsured motorist coverage: $25,000 per person, $50,000 per accident

  • Uninsured motorist property damage coverage: $25,000 per accident

Cheapest Car Insurance in Rhode Island

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Drivers with a Military Affiliation

USAA

Single Male Young Adult Drivers

Travelers

Single Female Young Adult Drivers

State Farm

Married Adult Drivers

State Farm

Senior Drivers

State Farm

Drivers with Good Credit

State Farm

Drivers with Poor Credit

Travelers

Drivers with a Clean Record

State Farm

Drivers with One Speeding Violation

State Farm

Drivers with One Accident

Travelers

Drivers with One DUI

State Farm

Low-mileage Drivers

State Farm

High-mileage Drivers

State Farm

Drivers with Low Coverage

State Farm

Drivers with High Coverage

Travelers

Drivers with Used Cars

State Farm

Drivers with New Cars

State Farm

After reading through the findings from Quadrant Information Services, it’s clear that customers can save the most money on auto insurance premiums by buying a low coverage policy, maintaining good credit, and maintaining a clean driving record. 

Why Car Insurance Rates Vary in Rhode Island

What you pay for auto insurance is based on how big of a risk you are on the road. That means inexperienced drivers, particularly teens, pay the highest rates, though the Quadrant Information Services data shows that these rates go down with age, experience, and the establishment of a good driving record and good credit.

How to Get the Cheapest Car Insurance in Rhode Island

Finding the cheapest car insurance in Rhode Island isn’t much different than getting the cheapest car insurance in any other state. There are state-specific factors, such as minimum insurance requirements and insurance-specific laws, that affect the overall cost of insurance in Rhode Island. The main thing to remember is that some of the factors you can control, and some you can’t. Of those you can control, like your driving record, it’s well worth the effort. That is because incidents like collisions, speeding tickets, and DUIs are dangerous and expensive.

A key to finding the best deal is to familiarize yourself with common car insurance discounts and figure out which ones you may be eligible for. Most major insurance companies offer a multi-policy discount, also known as a bundling discount. This is usually available to customers who purchase more than one insurance policy, whether combining multiple vehicles, homeowners insurance, or renters insurance. If you have teens or college students in the household, ask about student discounts, good student discounts, or incentives for extra driver training (which also may be available for adults). 

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See if your employer or any groups you belong to offer an affinity discount, or a group rate arranged directly with an insurance company. Some professions, like teachers, members of the military, and veterans are frequently eligible for insurance discounts. Other common discounts include a break for a short commute or low annual miles driven, cars equipped with specific safety or anti-theft systems, or tracking programs, which use a car-based telematics device or smartphone app to check out your driving habits. Some insurance companies also offer discounts for paperless, online billing, or automatic payment plans.

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Rhode Island Driving Laws and Punishments

Here’s a look at some of Rhode Island’s driving laws. Violations of these laws can affect your auto insurance rates.

Drivers in Rhode Island are prohibited from holding a wireless device while driving, and also may not use headsets that cover both ears. However, drivers may use hands-free systems. This offense carries a fine up to $100, but the fine may be waived for first-time offenders who show proof of purchasing a hands-free system.

Drivers in Rhode Island can be convicted of a DWI (driving while intoxicated) with a BAC (blood alcohol content) of .08 percent or more, even if the driver does not actually seem impaired. For commercial drivers, that limit is reduced to .04 percent. A driver can also be charged with a DWI while “under the influence” of any alcohol, drug, or controlled substance, or with any amount of a scheduled controlled substance (that is, illegal drugs) in the blood. 

In Rhode Island, a judge determines actual DWI penalties based on the state’s guidelines. Punishments for adults range from up to a year in jail, fines of $100 to $400, and a license suspension of 30 days to a year for the first DWI offense up to three to five years in prison, a fine of $1,000 to $5,000, and three years of a suspended license for a third offense with a BAC higher than .15. 

Drivers under age 21 who are found to have a BAC between .02 and .08 face a DWI class and treatment. First time offenders get a fine up to $250, 30 hours of community service, and a license suspension between one and three months. The second offense gets a fine up to $250, a $300 highway assessment fee, 60 hours of community service, and a license suspension between three and six months.

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For all offenses, the person must attend a court-ordered class or treatment program and pay a $500 fee for highway safety assessment.

The judge can order an ignition interlock device, which can reduce the license suspension period. The judge may also issue a hardship license to travel to school, work, or treatment in certain cases.

If you are caught driving without insurance in Rhode Island, the penalties include fines and a loss of driving privileges. The first offense carries a suspension of your driver’s license and vehicle registration for up to three months, plus a fine between $100 and $500. For a second offense, the license and registration will be suspended for six months and the fine gets bumped up to $500. Subsequent violations mean suspension of license and registration up to a year, and a fine of $1,000.

Rhode Island Car Insurance FAQs

Is car insurance required in Rhode Island?

Rhode Island has minimum car insurance requirements for all vehicles registered in the state.

Which cars are required to be insured in Rhode Island?

All vehicles registered in Rhode Island must comply with the state’s minimum insurance requirements.

When should I get car insurance in Rhode Island?

You’ll need to obtain car insurance in Rhode Island prior to registering a vehicle.

What happens if my car is not properly insured in Rhode Island?

If you fail to show proof of auto insurance upon request, you are subject to a fine of $500 and a three-month revocation of your driver’s license for the first offense. Punishments increase in severity for subsequent offenses.

Is Rhode Island a no-fault state?

Rhode Island is not a no-fault state for car insurance purposes. That means that the driver who was determined to be at fault in the collision is responsible for the losses, and if that driver does not have sufficient insurance to cover the losses, he or she is at risk of being sued by other drivers involved.

Do I need uninsured motorist coverage in Rhode Island?

In Rhode Island, you must have uninsured/underinsured motorist coverage at $25,000 per person and $50,000 per accident and uninsured motorist property damage at $25,000 per accident only if you have liability coverage with limits higher than the state minimum.

Is liability insurance required in Rhode Island?

In Rhode Island, drivers must carry bodily injury liability coverage in the amounts of $25,000 per person and $50,000 per accident and property damage liability coverage at $25,000 per accident.

Does Rhode Island accept digital insurance cards?

Drivers in Rhode Island may use a digital insurance card for proof of insurance in lieu of a paper card. If you need to show proof of your auto insurance, you can pull it up on your insurance company’s smartphone app. If you live in Rhode Island and need help with a digital insurance card, contact your insurance agent.