Cheapest car insurance in Rhode Island 2024

Illustration of a license plate with the shape of the state of Rhode Island in the center, with text in the style of a license plate number that reads "SAV MOR"Image: Illustration of a license plate with the shape of the state of Rhode Island in the center, with text in the style of a license plate number that reads "SAV MOR"

In a Nutshell

The average cost of car insurance in Rhode Island varies based on individual circumstances such as credit score, age, driving history and vehicle. We’ve crunched the data for several different driver profiles and found some of the lowest-cost insurers for those in the Ocean State.
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Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.


With 400 miles of New England coastline, there’s lots to explore in Rhode Island.

But are you getting the best bang for your buck when it comes to your car insurance? We looked at estimated car insurance rates from several auto insurance companies in Rhode Island and calculated the average cost for minimum-coverage car insurance, as well as insurers offering the cheapest estimated rates for a number of driver needs and profiles.

The calculations below are based on a relatively neutral Rhode Island driver profile. This driver has no tickets, accidents or claims, for example (see our full methodology). Your rates may be higher or lower given not only your individual driving history, but also other factors that affect car insurance like your age, mileage, coverage options and vehicle type.

Read on to learn about Rhode Island’s average car insurance rates and our findings for the cheapest options.



Cost of car insurance in Rhode Island

Average monthly premiums for car insurance in Rhode Island range from about $96 up to around $191, depending on the type of coverage and driver profile.

Average monthly auto insurance premiums in Rhode Island

Driver or coverageAvg. monthly cost
State-minimum car insurance in Rhode Island$96.30/month
Drivers with poor credit in Rhode Island$149.57/month
Drivers with multiple claims in Rhode Island$111.73/month
Young drivers in Rhode Island$191.06/month
Based on our standard driver profile and minimum coverage

5 cheapest car insurance companies in Rhode Island

We found USAA may offer the cheapest car insurance for lots of different driver profiles. As a reminder, the rates below are calculated for minimum-coverage insurance and are based on a specific Rhode Island driver profile, as detailed in our methodology. That helps us assess insurers evenly and get the best sense of the average costs for an average driver. That means your rates could be different. Unless otherwise noted, our Rhode Island driver has a $20,000 to $30,000 car value, no tickets or coverage gaps, a credit score between 680 and 719 and is between 36 and 45 years old.

1. USAA

USAA is available to military members and their families. USAA auto insurance is available nationwide with various discount opportunities, including unique savings for deployed military members. The USAA app allows members to manage their policy from their mobile devices. USAA offers standard and optional coverage options. Read reviews of USAA to learn more.

Check out reviews of USAA car insurance.

2. Quincy Mutual

Quincy Mutual works with independent agents in a few northeastern states to provide custom policy needs. It offers standard coverages such as bodily injury, property damage, uninsured motorist and personal injury protection and optional coverages like collision, comprehensive, substitute transportation and towing and labor.

3. Amica Mutual

Founded in 1907, Amica Mutual sells car insurance directly to customers, not through independent agents. Standard car insurance options are available, as are loan/lease coverage, glass coverage, roadside assistance and rental reimbursement. Read reviews of Amica to learn more.

Check out reviews of Amica Mutual car insurance.

4. State Farm

State Farm is one of the largest auto insurers in the U.S., with thousands of local agents nationwide. In addition to standard auto insurance coverages like liability, comprehensive and collision, State Farm offers optional coverages, such as emergency roadside service and rideshare insurance. State Farm offers numerous discounts, including discounts for safe driving and bundling. Read reviews of State Farm to learn more.

Check out reviews of State Farm auto insurance.

5. Travelers

Travelers car insurance is available in most states and offers customers who remain accident- and violation-free with a decreasing deductible every six months. Standout coverage options include new-car replacement coverage and accident forgiveness. Prospective customers can get a quote online, over the phone or through a local agent. Read reviews of Travelers to learn more.

Read reviews of Travelers car insurance.

Cheapest state-minimum car insurance in Rhode Island

Rhode Island drivers must carry a minimum 25/50/25 liability policy, per state law. This is considered state-minimum car insurance and is the least expensive kind of policy you can buy.

The following companies have the lowest estimated rates for drivers interested in state-minimum coverage.

5 cheapest car insurance companies in Rhode Island for state-minimum coverage

1USAA$40.20/month
2Quincy Mutual$42.58/month
3Amica Mutua$44.00/month
4State Farm$44.00/month
5Travelers$50.00/month
Based on our standard driver profile seeking minimum coverage in Rhode Island

Cheapest car insurance for good credit in Rhode Island

Drivers who have good credit will often find cheaper car insurance rates than drivers who are considered to have poor credit. While credit isn’t the only factor that determines how much you pay for your insurance, it’s certainly an important one.

Drivers with good credit may find the cheapest car insurance at the following companies.

5 cheapest car insurance companies in Rhode Island for those with good credit

1State Farm$27.58/month
2Quincy Mutual$29.67/month
3USAA$36.13/month
4Amica Mutual$36.82/month
5Travelers$43.11/month
Based on our standard driver profile, adjusted to display rates for a Rhode Island driver with a credit score of 720 or higher

Cheapest car insurance for poor credit in Rhode Island

Drivers who have poor credit generally pay higher monthly premiums for their car insurance. There are other ways to save money on your premium, even with less-than-perfect credit, like maintaining a record of safe driving and looking for other discounts provided by your insurer.

The following companies have the lowest estimated rates for drivers considered to have poor credit.

5 cheapest car insurance companies in Rhode Island for those with poor credit

1Amica Mutual$60.50/month
2USAA$66.48/month
3Geico$71.40/month
4Quincy Mutual$88.27/month
5Travelers$111.75/month
Based on our standard driver profile, adjusted to display rates for a Rhode Island driver with a credit score below 580

Cheapest car insurance for drivers with multiple claims in Rhode Island

Another factor that determines the cost of your car insurance is how many claims you have on your record. Drivers who have made multiple claims with their insurance companies will usually see higher rates for insurance.

These companies have the lowest estimated rates for drivers with multiple claims by insurance companies.

5 cheapest car insurance companies in Rhode Island for multiple claims

1USAA$40.20/month
2Amica Mutual$44.00/month
3State Farm$44.00/month
4Quincy Mutual$48.88month
5Travelers$50.00/month
Based on our standard driver profile, adjusted to display rates for a Rhode Island driver with two claims instead of zero claims

Cheapest car insurance for young drivers in Rhode Island

Finally, younger drivers are often more expensive to insure than older drivers because insurance companies tend to view them as riskier. Over time, though, if you maintain a safe driving record, your rates should go down.

The companies below have the lowest estimated rates for drivers between the ages of 18 and 21.

5 cheapest car insurance companies in Rhode Island for young drivers

1USAA$74.11/month
2Geico$89.43/month
3Travelers$92.17/month
4State Farm$93.67/month
5Quincy Mutual$107.50/month
Based on our standard driver profile, adjusted to display rates for a Rhode Island driver aged 18–21 instead of 36–45

Rhode Island auto insurance requirements

Rhode Island requires $25,000 per person and $50,000 per accident per accident for bodily injury liability. It also requires $25,000 per accident of property damage liability. If you have a car loan or lease, your coverage responsibilities may be more extensive.

Is usage-based insurance available in Rhode Island?

Usage-based insurance is a type of vehicle insurance that allows customers to pay premiums based on their driving behavior. Rhode Island drivers may be able to save money by participating in UBI programs offered by their insurers.

FAQs about the cheapest car insurance rates in Rhode Island

Which company normally has the cheapest car insurance?

USAA offers the lowest car insurance rates for several different Rhode Island driver profiles, according to our research.

Is Rhode Island a no-fault auto insurance state?

Rhode Island is considered an at-fault state, which means the person who is found to have caused an accident will be financially responsible for covering the damages caused to other drivers.

Is car insurance high in Rhode Island?

We found that Rhode Island is on the higher end of average car insurance costs compared to the rest of the United States.

Methodology

The estimated rates in this article are the lowest estimated rates based on the profile of a driver aged 36 to 45 living in Rhode Island. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores of 720 and above. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those aged 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.

Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on a range of factors, such as your age, vehicle driving habits and history.

Average monthly premium for full coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. Average monthly premium for state-minimum car insurance includes Rhode Island-mandated 25/50/25 insurance policy.


About the author: Sarah Sidlow is a freelance writer and editor based near Detroit. She has a master’s degree in journalism from Georgetown University. Sarah’s work has appeared in Luxembourg’s national newspaper, Washington City Paper… Read more.