Low-cost car insurance in Rhode Island

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Travelers provides the lowest car insurance rates in Rhode Island at $2,141 a year. The average premium is $225 per month in Rhode Island, though your actual rate may vary.

Car insurance requirements differ by state. In Rhode Island, drivers are required to carry at least the minimum liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different categories.

Key Takeaways

Travelers has the lowest average car insurance premium in Rhode Island, costing $2,141 per year. That’s $565 the state average.
For drivers with an at-fault accident on record, Progressive offers the most affordable coverage at around $2,480 annually.
The 2842 ZIP code stands out as the cheapest area for auto insurance in Rhode Island, with an average yearly cost of $1,957.

Low-cost car insurance businesses in Rhode Island

When comparing insurers in Rhode Island, Travelers leads the pack with an annual average of $2,141. That’s $565 less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in Rhode Island.

Company	Average annual rates
Travelers	$2,141
State Farm	$2,162
Progressive	$2,369
Nationwide	$2,866
American Family	$2,924
GEICO	$2,982
Allstate	$3,181
Amica	$3,293
Farmers	$3,939
USAA*	$1,399

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Rhode Island

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Carriers reviewed

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Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Rhode Island

Drivers in the 2842 ZIP code pay the lowest average annual premium in Rhode Island, at $1,957. See which other areas of the state offer more affordable rates below.

ZIP code	City	Average annual rates
2842	Newport East	$1,957
2891	Westerly	$1,957
2807	Block Island	$2,052
2835	Jamestown	$2,128
2871	Portsmouth	$2,156
2840	Newport	$2,167
2837	Little Compton	$2,168
2841	Newport	$2,182
2808	Bradford	$2,203
2873	Rockville	$2,203

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Auto 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 city

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Low-cost car insurance in Rhode Island by age

Teenagers pay significantly more for car insurance than adults in Rhode Island. For instance, a 16-year-old driver pays $9,470 more on average than a 40-year-old.

The following table shows car insurance rates by age group in Rhode Island.

Age group	Full coverage annual premiums
Teens (16-19)	$10,607
Young Adults (20-24)	$4,962
Adults (25-60)	$2,708
Seniors (65-75)	$2,827

Low-cost car insurance in Rhode Island by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Rhode Island

Just one speeding ticket in Rhode Island can raise your rates by 46% – $1,254 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$2,141	$3,166	48%	$1,025
Progressive	$2,369	$3,260	38%	$891
Allstate	$3,181	$3,922	23%	$741
Nationwide	$2,866	$4,127	44%	$1,262
American Family	$2,924	$4,302	47%	$1,378
GEICO	$2,982	$5,006	68%	$2,024
Farmers	$3,939	$5,334	35%	$1,396
Amica	$3,293	$6,883	109%	$3,591
USAA*	$1,399	$1,594	14%	$195

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Rhode Island

Progressive offers the lowest car insurance rates to drivers after an at-fault accident at $2,480 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Progressive	$2,369	$2,480	5%	$111
State Farm	$2,162	$2,795	29%	$633
Travelers	$2,141	$2,920	36%	$779
GEICO	$2,982	$3,659	23%	$677
Nationwide	$2,866	$4,336	51%	$1,470
American Family	$2,924	$4,901	68%	$1,976
Allstate	$3,181	$5,016	58%	$1,835
Farmers	$3,939	$5,196	32%	$1,257
Amica	$3,293	$5,642	71%	$2,350

Low-cost car insurance after a DUI in Rhode Island

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Rhode Island are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Progressive	$2,369	$2,933	$563	24%
Travelers	$2,141	$3,500	$1,359	64%
American Family	$2,924	$4,480	$1,556	53%
Allstate	$3,181	$4,756	$1,575	50%
Nationwide	$2,866	$5,517	$2,652	93%
Farmers	$3,939	$6,736	$2,797	71%
GEICO	$2,982	$10,198	$7,216	242%
Amica	$3,293	$13,491	$10,198	310%
USAA*	$1,399	$2,563	$1,164	83%

*USAA is only available to military community members and their families.

Average cost of car insurance Rhode Island

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. That’s because minimum liability only pays for injuries or damage you cause to others, leaving you to cover repairs or replacement of your own car out of pocket. Full coverage, on the other hand, includes collision and comprehensive insurance, so your vehicle is protected in situations like accidents, theft, storms, or vandalism.

The average cost of full coverage car insurance in Rhode Island is $193 more than the national average car insurance rates in the U.S.

We recommend that you carry at least coverage limits of 100/300/100 – that’s $100,000 in bodily injury coverage per person, $300,000 per accident, and $100,000 in property damage coverage. These limits provide a better safety net if you’re involved in a serious accident where costs could quickly exceed minimum requirements.

What is full coverage car insurance?

Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions, such as hail or theft.

If you lease or finance your car in Rhode Island, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage.

The bottom line on saving and staying protected

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage in Rhode Island.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Rhode Island. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violations on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.