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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.

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 Companies

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 rankings 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

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For this study, U.S. News worked with Quadrant Information Services to analyze a report of insurance rates in all 50 states from the nine 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 calculations of certain driver archetypes. 

To get the study rates shown here, we computed the mean rate for male and female drivers aged 25, 35, and 60 who drive 15,000 miles per year and 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. 

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How Much Does Car Insurance Cost in Rhode Island?

See the Cheapest Car Insurance Companies

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.

According to the data from Quadrant Information Services, the average statewide study rate for car insurance in Rhode Island is $1,550. This is higher than the national average representative rate, which stands at $1,416. There is quite a wide spread in the representative rates of the Rhode Island insurance carriers included in our study. The least expensive average representative rate comes courtesy of State Farm, and it stands at $983. Nationwide has the steepest average representative rate. At $2,554, it’s more than double the rate offered by State Farm.

Rhode Island Car Insurance Rates by Age

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

$2,497

$2,416

$2,224

$2,284

$2,399

$2,269

Geico

$1,167

$1,119

$1,007

$963

$909

$909

Nationwide

$3,190

$2,923

$2,453

$2,427

$2,247

$2,085

Progressive

$1,913

$1,880

$1,401

$1,482

$1,306

$1,303

State Farm

$1,183

$1,030

$975

$975

$868

$868

Travelers

$1,370

$1,238

$1,251

$1,237

$1,243

$1,250

USAA

$1,424

$1,359

$1,035

$1,046

$980

$998

In our study, the most expensive representative rates go to 25-year-old driver profiles, with males within this category paying a higher rate than females. The average representative rates for males in this demographic is $1,821, and the figure dips to $1,709 for females. Married 60-year-old drivers enjoy the lowest rates in our study, with the males in this category paying slightly higher rates. The average representative rate for married 60-year-old male driver profiles is $1,422, and this figure drops to $1,383 for female driver profiles in the same age range

Thirty-five-year-old driver profiles fall in between the two extremes discussed above. In this category, females pay slightly higher rates than males. The average representative rate for female driver profiles in this demographic is $1,488. For males, the rate dips by $10, to $1,478. 

To determine the average rates 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.

Rhode Island Car Insurance Rates by Mileage

Company

6,000 miles annually

12,000 miles annually

Allstate

$2,316

$2,348

Geico

$935

$1,012

Nationwide

$2,554

$2,554

Progressive

$1,547

$1,547

State Farm

$867

$983

Travelers

$1,265

$1,265

USAA

$1,091

$1,140

Our study shows that mileage has a minimal impact on average representative rates. For driver profiles that log 6,000 miles on the odometer each year, the average representative rate is $1,511. For driver profiles that do twice as much driving – 12,000 miles per year – the average representative rate increases by a mere $39, to $1,550. 

We created two driver profiles to compare how annual mileage can change car insurance rates: one with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Rhode Island Car Insurance Rates by Coverage Type

Company

Low

Medium

High

Allstate

$2,177

$2,348

$2,546

Geico

$959

$1,012

$1,080

Nationwide

$2,602

$2,554

$2,482

Progressive

$1,473

$1,547

$1,660

State Farm

$924

$983

$1,055

Travelers

$1,262

$1,265

$1,218

USAA

$1,090

$1,140

$1,188

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 representative rate for low coverage is $1,498. This increases to $1,550 for medium coverage, and tops out at $1,604 for high coverage. According to our study, the difference in representative rates between low and high car insurance coverage in Rhode Island is just $106. If you have low coverage and cause an accident with repair costs or medical bills that exceed the limit of your insurance, you may find yourself on the hook for far more than that $106. For relatively little extra money, you can better prevent yourself from financial difficulties down the road.

We created identical profiles in our study to represent drivers, then found out how rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females aged 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis. 

Rhode Island Car Insurance Rates by Credit Score

Company

Good

Fair

Poor

Allstate

$2,348

$3,024

$4,309

Geico

$1,012

$1,149

$2,089

Nationwide

$2,554

$3,020

$3,650

Progressive

$1,547

$1,911

$2,582

State Farm

$983

$1,283

$1,988

Travelers

$1,265

$1,431

$2,010

USAA

$1,140

$1,407

$2,397

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 statistics show that drivers with good credit tend to be less likely to file claims. The Quadrant Information Services data reveals that all of the Rhode Island car insurance companies in our study increase their average representative rates as a driver profile’s credit history worsens. 

In our study, a driver profile with good credit enjoys an average representative rate of $1,550. This figure increases by $339 – to $1,889 – for a driver profile with fair credit. Driver profiles with poor credit pay the steepest rates. The average representative rate for a driver profile in this category is $2,718 – that’s a whopping $1,168 more than the rate paid by a driver profile with good credit.

Based on profiles of male and female drivers aged 25, 35, and 60, our study verified that credit scores affect car insurance rates. 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 driving. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 were the vehicles used in our analysis. 

Rhode Island Car Insurance Rates by Driving Record

Company

Clean record

With 1 speeding violation

With 1 accident

With 1 DUI

Allstate

$2,348.15

$2,837.54

$3,562.16

$3,734.67

Geico

$1,012.12

$1,468.77

$1,663.27

$3,083.82

Nationwide

$2,553.87

$3,002.87

$3,872.73

$4,437.09

Progressive

$1,547.49

$2,256.71

$3,153.94

$2,032.83

State Farm

$983.21

$983.21

$1,347.93

$983.21

Travelers

$1,264.96

$1,546.93

$1,313.43

$2,016.11

USAA

$1,140.42

$1,321.95

$1,660.59

$2,516.93

The average study rate in Rhode Island for a driver profile with a clean record is $1,550. With one speeding violation, the average representative rate rises by $367, to $1,917. One accident causes the representative rate to increase to $2,368. A driver profile with a DUI pays the steepest representative rate: $2,686. Maintaining a clean driving record will help keep rates reasonable, and it's one of the few factors affecting insurance rates that are within your control.

In general, the rates in our study go up based on the severity of the incident, from speeding violation to accident to DUI, but there are a couple of exceptions. Progressive’s average representative rate for a profile with one accident is steeper than the rate charged for a profile with one DUI. And at Travelers, a driver profile with one speeding violation pays a higher representative rate than a profile with one accident. Finally, at State Farm, there is no difference in the representative rate paid by driver profiles with a clean record, one speeding violation, or a DUI. 

To find out just how much of an effect a person's driving record has on insurance rates, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females who drove 12,000 miles per year and had a medium level of insurance coverage and a good credit score. Vehicles used in the analysis were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Rhode Island Car Insurance Rates by City

City

Average Rate

Providence

$2,000

Warwick

$1,641

Cranston

$1,872

Pawtucket

$1,803

East Providence

$1,733

Woonsocket

$1,472

Coventry

$1,489

Cumberland

$1,560

North Providence

$1,963

Johnston

$1,845

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. 

The picture is the most favorable for driver profiles in Woonsocket and Coventry. Those towns enjoy the lowest average representative rates: $1,472 and $1,489, respectively. The towns with the highest study rates are Providence and North Providence. Average representative rates in those towns come in at $2,000 and $1,963, respectively. 

Within each state, insurance rates can vary dramatically from city to city. To get a sense of how these differences affect car insurance premiums, we looked at average representative rates across 10 of Iowa’s top cities. In our study, we used male and female driver profiles aged 25, 35, and 60 who put 12,000 miles on the odometer each year. Our profiles have medium insurance coverage, a clean driving record, and good credit. We included three vehicles in our study: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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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

Male Young Adult Drivers

GEICO

Female Young Adult Drivers

State Farm

Male Married Adult Drivers

State Farm

Female Married Adult Drivers

GEICO

Senior Drivers

State Farm

Drivers with Good Credit

State Farm

Drivers with Poor Credit

State Farm

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

State Farm

Drivers with Used Cars

State Farm

Drivers with New Cars

State Farm

Our study shows that driver profiles with low insurance coverage pay the lowest average representative rates in Rhode Island. Within this category, State Farm offers the most affordable study rate: $924. At $2,602, Nationwide’s rate is the highest one in this category.

For male young adult driver profiles and female married adult profiles, Geico offers the lowest representative rates. Driver profiles with one accident will get the most competitive representative rate by choosing Travelers. State Farm offers the lowest representative rates for driver profiles in all other segments. 

kickstand / Getty Images

To find which car insurance company offers the lowest rates, our study used representative driver profiles with good credit, medium insurance coverage, and a clean driving record. Our profiles included males and females aged 25, 35, and 60 who drove 12,000 miles per year. The vehicles used in our study were the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

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). 

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.

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.

Dave Dill / Getty Images

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.

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?

No, 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?

Yes. 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?

Yes. 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?

Yes, 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.

The Best Car Insurance Companies in 2020

Our Car Insurance Ranking

  1.     USAA
  2.     Geico
  3.     Allstate
  4.     State Farm
  5.     Farmers
  6.     Progressive
  7.     American Family
  8.     Nationwide
  9.     Travelers

The Cheapest Car Insurance Companies in 2020

Average Annual Rates:

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Get Cheap Car Insurance Quotes in Your Area

Get great auto insurance coverage at an even better price.