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 Insure.com's Editor | Updated on: April 7, 2025 Why you can trust Insure.com 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. 25 Years of insurance experience 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed If you want to secure auto insurance coverage in Rhode Island, know the associated costs. On average, premiums for car insurance in Rhode Island cost $2,061 per year or $172 monthly. While the national average is $1,895, highlighting a difference of $166.Various factors influence car insurance rates, including age, gender, driving history, credit score, and location. This guide covers the average cost of full coverage in the state, the factors impacting auto insurance rates, 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.Shop around and compare quotes to save money on your auto insurance. Continue reading the guide to ensure your insurance policy meets your needs within your budget. Average annual cost $2,061 Average per month cost $172 Average cost for state minimum coverage $646 / Year Cheapest car insurance company State Farm($1,319 / Year) Average cost for young drivers $3,387 / Year Average cost for Senior drivers $2,163 / Year Key TakeawaysBased on Insure.com’s analysis, car insurance in Rhode Island costs $2,061 per year.Car insurance in Rhode Island costs $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 average monthly rate for car insurance is $172.This cost can vary among insurers, which is true of every auto insurance company. When exploring car insurance options in Rhode Island, it’s advisable to obtain quotes from multiple companies.Cheapest car insurance companies in Rhode IslandAccording to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in Rhode Island is State Farm, with an average annual cost of $1,319 and a monthly average of $110. Following closely is American Family, providing coverage at an average monthly rate of $153.The following table lists additional car insurance companies operating in Rhode Island and their respective average monthly and annual costs. Affordable car insurance providers in Rhode Island Graph Table 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$1,147 Read 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 select determines car insurance costs in Rhode Island. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in Rhode Island amounts to $808.Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in Rhode Island stands at $2,061.Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In Rhode Island, the average annual cost for non-owner state minimum liability coverage stands at $518.Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $646 in Rhode Island.1State minimum:$6462Liability only:$8083Full coverage:$2,0614Non-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 rates. Teenagers have a higher chance of being involved in a car accident compared to any other age group. In Rhode Island, the average annual rate for young drivers is $3,387, whereas for seniors, it is $2,163. The rate for young drivers exceeds that of senior drivers by $1,224.Statistics show that young drivers are more likely to be involved in vehicle accidents than more seasoned drivers. As a result, they are classified as high-risk individuals and are more expensive to insure. This classification is primarily due to tendencies such as speeding and limited on-road experience. However, premiums begin to increase again around the age of 70, as certain aspects of aging may impact driving capabilities.Average car insurance cost in Rhode Island for young driversIn Rhode Island, the auto insurance premium for female young drivers averages at $3,265 annually, or $272 monthly, while male young drivers face a yearly rate of $3,516, or a monthly average of $293. The average annual rates for young male and female drivers are listed in the table below: Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 20 $4,641 $4,250 21 $3,687 $3,319 22 $3,565 $3,257 23 $3,080 $2,919 24 $2,804 $2,744 Average car insurance cost in Rhode Island for senior driversIn Rhode Island, the annual car insurance cost for senior female drivers is $2,159 or $180 monthly. Similarly, male senior drivers face a yearly insurance cost of $2,166 per year, with a monthly average of $181. Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 65 $2,079 $2,093 70 $2,133 $2,129 75 $2,284 $2,255 Read 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: $25,000 Bodily injury per accident: $50,000 Personal property coverage per person: $25,000 Cheapest cars to insure in Rhode IslandAccording to Insure.com data study, Subaru Forester has the lowest premium of $1,931. Chevrolet TrailBlazer is followed closely at $1,939 per year. The difference in the cost of insuring these two models is $8 annually.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.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow 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 In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? 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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