Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Rhode Island Average car insurance cost in Rhode Island The average premium for car insurance in Rhode Island is $2,061 per year or $172 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Updated on: September 9, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. If you’re looking for car insurance rates in Rhode Island, the average annual premium is $2,061, per year or $172 monthly. This contrasts with the national average of $1,682, highlighting a variation of $166. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Rhode Island, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes. Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget.Summary of average car insurance cost in Rhode IslandAverage annual cost $2,061Average per month cost $172Average cost for state minimum coverage $646 / YearCheapest car insurance company State Farm($1,319 / Year)Average cost for young drivers $3,387 / YearAverage cost for Senior drivers $2,163 / Year Key Takeaways The average car insurance cost in Rhode Island is $2,061 per year, based on Insure.com’s analysis.In Rhode Island, the average premium for car insurance is $172 per month.State Farm has the cheapest car insurance rates in Rhode Island, at an average annual rate of $1,319 a year. Average car insurance cost in Rhode Island per monthIn Rhode Island, the monthly rate for car insurance is $172.This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in Rhode Island, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.Cheapest car insurance companies in Rhode IslandThe table below lists the other available car insurance companies which offer car insurance in Rhode Island, along with their average cost per month and average annual cost.Company nameAverage per month costAverage annual costState Farm$110$1,319American Family$153$1,833Progressive$153$1,841Nationwide$159$1,911Travelers$162$1,946Amica$184$2,206Geico$191$2,292Allstate$249$2,993Farmers$278$3,336USAA$96$1,147Read our guide to cheap car insurance companies Rhode Island car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Rhode Island Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,496/Year OR $208/month Rhode Island Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in Rhode IslandThe extent of coverage you opt for directly influences the cost of car insurance in Rhode Island. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in Rhode Island would be $808.As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in Rhode Island amounts to $2,061.For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In Rhode Island, the average annual cost for non-owner state minimum liability coverage stands at $518.For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $646 annually in Rhode Island.Coverage limitsAverage annual costState Minimum BI/PD$646Liability Only – 50/100/50 BI/PD$808Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,061Non-Owners$518Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Rhode Island by cityCranstonEast ProvidencePawtucketProvidenceWarwickAverage car insurance cost in Rhode Island by citySeveral factors contribute to determining your car insurance premium, including your state, city, and even ZIP code. The frequency of accidents and the likelihood of vehicle theft or vandalism can impact the overall cost associated with a particular city or ZIP code.The table below depicts the top popular cities in Rhode Island:CityAverage annual costCentral Falls$2,538Coventry$1,967Cranston$2,440Cumberland$2,074East Providence$2,262Newport$1,655Pawtucket$2,452Providence$2,495Warwick$2,121Woonsocket$2,077Average car insurance cost in Rhode Island by age of the driverAge plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in Rhode Island is $3,387, whereas for seniors, it’s $2,163. The rate for young drivers surpasses that of senior drivers by $1,224.Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.Average car insurance cost in Rhode Island for young driversFor female young drivers in Rhode Island, the average annual car insurance cost is $3,265, and $272 per month. Conversely, male young drivers face an average annual rate of $3,516, and $293 per month.The average annual rates for young male and female drivers are listed in the table below:Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$4,641$4,25021$3,687$3,31922$3,565$3,25723$3,080$2,91924$2,804$2,744Average car insurance cost in Rhode Island for senior driversFor senior female drivers in Rhode Island, the annual cost of car insurance is $2,159, or $180 per month. Similarly, male senior drivers face an annual insurance rate of $2,166, or $181 per month.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,079$2,09370$2,133$2,12975$2,284$2,255Read more about senior car insuranceMinimum car insurance requirements in Rhode IslandEvery state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the Rhode Island Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits in Rhode Island:Bodily injury per person: $25,000Bodily injury per accident: $50,000Personal property coverage per person: $25,000Cheapest cars to insure in Rhode IslandThe Subaru Forester is most affordable average annual insurance premium, standing at $1,931, with the Chevrolet TrailBlazer trailing closely behind at $1,939. The annual difference in insurance costs between these two models amounts to $8.MakeModelAverage annual premiumSubaruForester$1,931ChevroletTrailBlazer$1,939MazdaCX-30$1,944MazdaCX-5$1,949HondaHR-V$1,956KiaSeltos$1,974SubaruOutback$1,995FordEscape Plug-in Hybrid$1,998SubaruCrosstrek$1,998FordEscape$2,003Most expensive cars to insure in Rhode IslandThe most expensive car to insure on the list is the Audi RS E-tron GT, which has an average annual premium of $7,053. However, the difference between the cheapest and most expensive cars to insure is $5,122 annually.MakeModelAverage annual premiumAudiRS E-tron GT$7,053MaseratiQuattroporte Trofeo$6,951BMWI7$6,827PorscheTaycan Turbo$6,793NissanZ Performance$6,787Land RoverRange Rover P530 Autobiography$6,745MaseratiQuattroporte$6,706MaseratiGhibli Trofeo$6,643BMWAlpina B8$6,628PorscheTaycan GTS$6,506MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:The quoted insurance rates are for comparison purposes, and your individual rates may vary.How much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Rhode-Island Non-owner auto insurance in Rhode Island Average renters insurance cost in Rhode Island Average homeowners insurance cost in Rhode Island Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Rhode Island per monthCheapest car insurance companies in Rhode IslandAverage cost of car insurance by coverage levels in Rhode IslandAverage car insurance cost in Rhode Island by cityAverage car insurance cost in Rhode Island by age of the driverMinimum car insurance requirements in Rhode IslandCheapest cars to insure in Rhode IslandMost expensive cars to insure in Rhode IslandMethodology ZIP Code Please enter valid ZIP See rates