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Get Cheap Car Insurance in Rhode Island
We monitor insurance prices, helping the average driver in Rhode Island save up to 41.3% on car insurance.
The Cheapest Minimum Coverage in Rhode Island
The chart below shows the cheapest car insurance company in Rhode Island for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Safeco Insurance, followed by Geico, Progressive, and Midvale Home & Auto.
| Rhode Island Insurer | Monthly Cost |
|---|---|
| Safeco Insurance | $115 |
| Geico | $148 |
| Progressive | $173 |
| Midvale Home & Auto | $181 |
Savings for Every Kind of Rhode Island Driver
Based on our extensive insurance data, we know the average Rhode Island driver will save about 33% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $1,101 per year by choosing the right vehicle insurance company. Some Rhode Island residents are paying out over $3,310 extra every year for auto insurance in Rhode Island. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Rhode Island Savings / Yr. |
|---|---|
$1,101 |
|
$1,330 |
|
$1,465 |
|
$2,479 |
|
$5,154 |
|
$376 |
|
$1,116 |
Rhode Island Car Insurance vs. the United States
People living in Rhode Island pay an average of 48.62% more than the typical driver in the nation. The average driver in Rhode Island can expect to pay about $2,026 per year, or $3,310 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Rhode Island for most people.
Car Insurance Prices by Rhode Island Neighborhood
Insurance Prices
Where is insurance cheapest within Rhode Island?
The map shows insurance prices in and around Rhode Island, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1,107 per year within the state boundaries, with insurance premiums ranging from a high of $3,192 to a low of $2,085. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest parts of Rhode Island.Pick the Best Car Insurance Company for You in Rhode Island
The best car insurance provider for most drivers in Rhode Island
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $1,101 over the average Rhode Island car insurance company.
The best car insurance provider for Rhode Island drivers with accidents on their records
In our analysis, Safeco Insurance saved the average person who had been in an accident the most, with annual savings averaging $1,330 over the competition.
The best car insurance company for Rhode Island drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $1,465 better than other car insurance companies.
The best auto insurance for Rhode Island drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $2,479 less each year.
The least expensive car insurance company for new and young drivers in Rhode Island
In Rhode Island, State Farm costs young drivers $5,154 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Rhode Island
Geico gave the largest car insurance discounts to married couples, averaging $376 saved each year compared to an average Rhode Island couple's premiums.
The cheapest car insurance in Rhode Island for drivers with bad credit
The best Rhode Island car insurance company for customer service
Recent price drops
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The cheapest large national provider in Rhode Island
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Rhode Island driver can expect to pay about $124 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Rhode Island, USAA has the best prices for drivers with a DUI conviction, drivers with speeding tickets, drivers with bad credit, drivers with accidents, young drivers, married couples, and good drivers.Auto Insurance Prices in and Around Rhode Island
What Influences the Cost of Car Insurance in Rhode Island?
On average, car insurance in Rhode Island is more expensive than the rest of the nation. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:
- The average commute time in Rhode Island is 32 minutes, which is a little more than average for a driver in the nation.
- Rhode Island state insurance regulations may require higher prices.
- An average of 14 to 15 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Rhode Island are among the lowest in the nation, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Rhode Island is one of the least populated areas in the nation. The state’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Rhode Island is $169 per month for minimum coverage and $276 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby States
- Massachusetts: Insurance costs 51.36% less
- Connecticut: Insurance costs 24.50% less
- New Hampshire: Insurance costs 70.54% less
- Vermont: Insurance costs 70.00% less
- New Jersey: Insurance costs 33.50% less
- New York: Insurance costs 18.55% more
- Maine: Insurance costs 81.96% less
- Delaware: Insurance costs 30.24% less
- Pennsylvania: Insurance costs 59.00% less
- Maryland: Insurance costs 30.79% less
States with Similar Populations
- Alaska: Insurance costs 61.87% less
- Wyoming: Insurance costs 50.82% less
- Wisconsin: Insurance costs 73.72% less
- West Virginia: Insurance costs 53.29% less
- Washington: Insurance costs 60.24% less
- Virginia: Insurance costs 70.24% less
- Vermont: Insurance costs 70.00% less
- Utah: Insurance costs 59.18% less
- Texas: Insurance costs 23.02% less
- Maine: Insurance costs 81.96% less