Cheap Car Insurance in Rhode Island (2025)
Best cheap Rhode Island car insurance
Cheapest full-coverage car insurance in Rhode Island: Travelers
USAA has the cheapest full-coverage rates overall at $113 a month. However, USAA is only available to the military community and their families.
Full-coverage auto insurance rates
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Travelers | $1,894 |  |
 | Progressive | $2,598 |  |
 | Amica | $2,970 |  |
 | Geico | $3,012 | |
 | Allstate | $3,219 |  |
 | Nationwide | $3,275 | |
 | Farmers | $4,384 | |
 | USAA* | $1,351 | |
Full-coverage car insurance includes collision Collision covers damage to your own car in a collision with another vehicle or object. and comprehensive Collision covers your car for theft or damage from non-collision causes, including fire, flood and vandalism. , which cover damage to your own car. Neither is required by law, but you usually need both for a car loan or lease.
The average cost of full coverage in Rhode Island is $2.838 a year, or $236 a month. Your actual rate depends on factors like your driving record, age and credit history. It’s good to compare car insurance quotes from a few different companies to find the cheapest rate.
Cheap Rhode Island liability insurance: Travelers
Of the two companies, Amica has a better customer satisfaction score than Travelers from J.D. Power.
Liability auto insurance rates
| Company | Annual rate |
|---|---|
| Travelers | $729 |
| Amica | $1,103 |
| Progressive | $1,186 |
| Geico | $1,233 |
| Nationwide | $1,512 |
| Allstate | $1,584 |
| Farmers | $1,609 |
| USAA* | $513 |
Best cheap car insurance for Rhode Island teens: Allstate
For full coverage, Allstate also has the best rate for young drivers at $675 a month. Geico has the next-best rate at $755 a month.
Annual car insurance rates for teens
| Company | Liability | Full coverage |
|---|---|---|
| Allstate | $3,585 | $8,105 |
| Geico | $4,101 | $9,056 |
| Progressive | $5,657 | $13,753 |
| Amica | $5,762 | $13,359 |
| Nationwide | $5,943 | $12,187 |
| Farmers | $6,384 | $14,482 |
| Travelers | $7,426 | $14,990 |
| USAA* | $1,759 | $4,345 |
Teens’ lack of driving experience makes them more likely to crash than older drivers. This is the main reason why insurance companies charge them such high rates. Teens usually get a lower rate when added to a parent’s policy than they do on their own.
Several auto insurance companies give teens a discount for getting good grades. Allstate and Farmers also give teens a discount for completing Adept Driver’s teenSMART program. The course combines computer-based instruction with in-car driving exercises.
Cheap Rhode Island car insurance after a speeding ticket: Amica
Car insurance rates with a speeding ticket
| Company | Annual rate |
|---|---|
| Amica | $2,970 |
| Progressive | $3,296 |
| Travelers | $3,526 |
| Allstate | $3,916 |
| Nationwide | $4,055 |
| Farmers | $5,153 |
| Geico | $5,315 |
| USAA* | $1,539 |
Rhode Island’s cheapest car insurance after an accident: Progressive
An at-fault accident increases the average cost of car insurance in Rhode Island by 29% to $305 a month. Progressive and Travelers are among the companies that offer accident forgiveness With accident forgiveness, your first at-fault accident won’t make your rate go up. , which can protect you from a price increase like this. It usually costs extra and you have to add it to your policy before an accident.
Auto insurance rates after an accident
| Company | Annual rate |
|---|---|
| Progressive | $2,598 |
| Travelers | $2,646 |
| Allstate | $3,219 |
| Geico | $3,891 |
| Amica | $4,708 |
| Nationwide | $5,151 |
| Farmers | $5,694 |
| USAA* | $1,351 |
Best car insurance for Rhode Island teens with a bad driving record: Allstate
Allstate has the best liability rate for most teens with an at-fault accident at $299 a month. Geico has the next-cheapest rate at $399 a month.
Annual teen insurance rates after a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| Allstate | $3,968 | $3,585 |
| Geico | $5,740 | $4,783 |
| Amica | $5,762 | $7,271 |
| Progressive | $5,783 | $5,657 |
| Nationwide | $6,430 | $6,533 |
| Farmers | $7,680 | $7,987 |
| Travelers | $9,122 | $8,780 |
| USAA* | $2,020 | $1,759 |
Cheapest Rhode Island car insurance after a DUI: Progressive
At $392 a month, Allstate’s rates are also cheaper than the state average of $515 a month for DUI insurance.
Auto insurance rates after a DUI
| Company | Annual rate |
|---|---|
| Progressive | $2,966 |
| Travelers | $3,742 |
| Allstate | $4,701 |
| Nationwide | $6,883 |
| Farmers | $7,376 |
| Amica | $10,502 |
| Geico | $10,855 |
| USAA* | $2,446 |
Best Rhode Island car insurance rates for bad credit: Geico
Credit factors like your payment history and the amounts you borrow can affect your car insurance rate. On the plus side, avoiding late payments and paying down debt can help bring down your rate.
Auto insurance rates with bad credit
| Company | Annual rate |
|---|---|
| Geico | $4,309 |
| Amica | $4,378 |
| Progressive | $4,389 |
| Travelers | $4,494 |
| Nationwide | $5,610 |
| Allstate | $5,830 |
| Farmers | $9,532 |
| USAA* | $2,780 |
Rhode Island’s best car insurance companies
Amica is also worth contacting for auto insurance quotes, especially if you value customer service. The company has decent rates and a higher customer satisfaction score than Travelers and Progressive.
J.D. Power’s ratings are based on customer surveys grading insurance companies on price, coverage options and other factors. USAA has J.D. Power’s best overall satisfaction rating among all the state’s car insurance companies.
Rhode Island insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Amica | 709 | A+ | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Nationwide | 641 | A | |
| Progressive | 622 | A+ | |
| Travelers | 616 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Rhode Island insurance rates by city and town
Providence, on the other hand, has the state’s most expensive car insurance. Drivers in the state capital pay an average of $2,838 a year, or $320 a month. This is 35% higher than the state average.
North Providence drivers have the state’s second-highest rate at $314 a month.
Car insurance rates near you
| City | Annual rate | City vs. state % |
|---|---|---|
| Adamsville | $2,766 | -3% |
| Albion | $2,784 | -2% |
| Ashaway | $2,391 | -16% |
| Barrington | $2,669 | -6% |
| Block Island | $2,392 | -16% |
| Bradford | $2,397 | -16% |
| Bristol | $2,518 | -11% |
| Carolina | $2,492 | -12% |
| Central Falls | $3,519 | 24% |
| Charlestown | $2,479 | -13% |
| Chepachet | $2,810 | -1% |
| Clayville | $2,931 | 3% |
| Coventry | $2,652 | -7% |
| Cranston | $3,482 | 23% |
| Cumberland | $2,828 | 0% |
| Cumberland Hill | $2,819 | -1% |
| East Greenwich | $2,754 | -3% |
| East Providence | $3,067 | 8% |
| Exeter | $2,524 | -11% |
| Fiskeville | $3,033 | 7% |
| Forestdale | $3,062 | 8% |
| Foster | $2,924 | 3% |
| Glendale | $2,894 | 2% |
| Greene | $2,658 | -6% |
| Greenville | $2,954 | 4% |
| Harmony | $2,868 | 1% |
| Harrisville | $2,758 | -3% |
| Hope | $2,946 | 4% |
| Hope Valley | $2,434 | -14% |
| Hopkinton | $2,403 | -15% |
| Jamestown | $2,225 | -22% |
| Johnston | $3,592 | 27% |
| Kenyon | $2,515 | -11% |
| Kingston | $2,522 | -11% |
| Lincoln | $3,042 | 7% |
| Little Compton | $2,268 | -20% |
| Manville | $2,818 | -1% |
| Mapleville | $2,784 | -2% |
| Melville | $2,218 | -22% |
| Middletown | $2,177 | -23% |
| Misquamicut | $2,267 | -20% |
| Narragansett | $2,491 | -12% |
| Narragansett Pier | $2,491 | -12% |
| Newport | $2,277 | -20% |
| Newport East | $2,171 | -24% |
| North Kingstown | $2,526 | -11% |
| North Providence | $3,764 | 33% |
| North Scituate | $2,835 | 0% |
| North Smithfield | $2,733 | -4% |
| Oakland | $2,783 | -2% |
| Pascoag | $2,759 | -3% |
| Pawtucket | $3,382 | 19% |
| Peace Dale | $2,915 | 3% |
| Portsmouth | $2,260 | -20% |
| Providence | $3,835 | 35% |
| Prudence Island | $2,316 | -18% |
| Riverside | $3,176 | 12% |
| Rockville | $2,480 | -13% |
| Rumford | $3,279 | 16% |
| Saunderstown | $2,538 | -11% |
| Shannock | $2,503 | -12% |
| Slatersville | $2,761 | -3% |
| Slocum | $2,832 | 0% |
| Smithfield | $2,912 | 3% |
| Tiverton | $2,421 | -15% |
| Valley Falls | $2,815 | -1% |
| Wakefield | $2,501 | -12% |
| Wakefield-Peacedale | $2,500 | -12% |
| Warren | $2,687 | -5% |
| Warwick | $2,819 | -1% |
| West Greenwich | $2,734 | -4% |
| West Kingston | $2,553 | -10% |
| West Warwick | $2,834 | 0% |
| Westerly | $2,267 | -20% |
| Wood River Junction | $2,484 | -12% |
| Woonsocket | $2,809 | -1% |
| Wyoming | $2,468 | -13% |
Minimum coverage for car insurance in Rhode Island
| Coverage | Minimum required limit |
|---|---|
| Bodily injury liability | $25,000 per person, $50,000 per accident |
| Property damage liability | $25,000 |
The Division of Motor Vehicles (DMV) uses an online system to verify the insurance status of registered vehicles. If the system detects a lapse in your coverage, it sends you an insurance verification letter. Your registration can be revoked if you don’t get insurance by the date specified in the letter.
Frequently-asked questions
The average price of car insurance in Rhode Island is $236 a month for full coverage. Minimum coverage costs an average of $99 a month. You’ll pay more if you have a recent accident or violation on your driving record, or if you have bad credit.
No. Rhode Island is not a no-fault state. If you cause an accident, you have to pay for your victim’s medical treatment and car repairs. The liability coverage in your car insurance covers these expenses, up to your policy’s limits.
Rhode Island no longer requires SR-22 insurance. However, you still need to comply with an SR-22 requirement from another state if it’s still in effect when you move to Rhode Island. In this situation, you need to let your new Rhode Island car insurance company know about your out-of-state SR-22 requirement. This allows your new company to send the appropriate forms to your former state’s DMV.