Car insurance in Rhode Island costs between $79 and $303 per month, depending on your coverage level and driver profile. Rhode Island is the third most expensive state for car insurance in the United States, with average full-coverage premiums 41% higher than they were at the start of 2024. Whether you’re looking for the lowest-cost minimum policy or full protection for your vehicle, comparing quotes from multiple insurers is the best way to find the right rate for your situation.
| Coverage Type | Monthly Rate Range | Annual Rate Range |
|---|---|---|
| Minimum Liability Only | $79 - $177 / month | $948 - $2,124 / year |
| Full Coverage | $196 - $303 / month | $2,352 - $3,636 / year |
Source: (insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
Getting car insurance in Rhode Island isn’t difficult, but it’s not the same as getting car insurance in every other state. This is because each US state has different requirements for car insurance, and coverage can vary drastically state-to-state, so the average cost of auto insurance in one place may not be the average in another.
This is why it’s so important to do a little research before you buy car insurance in Rhode Island. Even if you already have insurance, it’s a good idea to read this information and consider getting a comparison quote and maybe even switching companies. After all, you want to make sure you’re getting the best policy at the best price, right?
Right!
A little financial literacy can go a long way toward saving you a lot of stress, and money. (Our Rhode Island car insurance quotes have saved American consumers hundreds of dollars a year!)
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| Company | Avg. Monthly Rate (Min.) | Avg. Monthly Rate (Full) |
|---|---|---|
| Travelers | ~$63 / month | ~$196 / month |
| USAA* | ~$79 / month | ~$124 / month |
| Progressive | ~$77 / month | ~$220 / month |
| State Farm | ~$90 / month | ~$180 / month |
Source: insurify.com
Note: Rates are based on averages and may not reflect your specific profile.
Rhode Island is a beautiful place to live, but if you’re looking for car insurance, be prepared to pay 38% more than the national average. (We’re talking about $2,106 per year.)
Of course, you may not need to pay that much. The exact cost of car insurance in Rhode Island depends on a myriad of factors beyond geography. They include:
Just consider this: if you’re looking to get protected for just the state minimum coverage in Rhode Island (more on this in a second), State Farm’s average annual premium is $371 per year whereas Allstate’s is $1,283. That’s a pretty massive price difference for the same coverage.
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Most insurers operating in Rhode Island offer a range of discounts that can meaningfully reduce your premium:
| Coverage Type | Minimum Limit Required |
|---|---|
| Bodily Injury Liability (per person) | $25,000 |
| Bodily Injury Liability (per accident) | $50,000 |
| Property Damage Liability | $25,000 |
| Uninsured/Underinsured Motorist (BI)* | Required if BI limits exceed 25/50 minimums |
Rhode Island requires uninsured/underinsured motorist bodily injury (UM/UIMBI) coverage if you purchase bodily injury liability at limits above the state minimums. Proof of insurance must be carried in your vehicle at all times.
An SR-22 is a form you legally need to ask your insurance company to file with the state if you have been convicted of a serious driving offense. (Example: a DUI, having too many points on your insurance, being at-fault in a collision, driving without insurance or with a suspended license.)
Some companies may drop you as clients if you need this form, while others will be happy to insure you, at a higher premium.
If you are an uninsured driver who requires an SR-22, you will likely be asked to pay an upfront fee for a prospective insurance provider to file the form and cover you.
If you don’t have a car, you will need to get non-owner insurance before you can request a filing for an SR-22.
Learn more about how to get an SR-22 without a car here and more about getting an SR-22 form in general here.
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Rhode Island has one of the highest rates of uninsured drivers in the country, approximately 16.5% of all auto insurance claims in the state involve an uninsured motorist. Adding uninsured/underinsured motorist coverage to your policy protects you if you are hit by a driver who has no insurance or not enough coverage to pay for your injuries and vehicle damage. Rhode Island is one of a small number of states that also offers UM/UIM property damage (UIMPD) coverage as an optional add-on.
Where you live within any given state can impact the cost of your car insurance, and Rhode Island is no exception. Some places are more dangerous to drive in. For instance, Providence has the most expensive car insurance rates, coming in at around $3,108 per year, whereas the cost of car insurance in Warwick is $2,359.
Even if you live in a more expensive place to get car insurance in Rhode Island, remember, there are ways you can lower your rates, and shopping around for Rhode Island car insurance quotes to get the best price should be your first step to getting the best price.
Getting car insurance in Rhode Island is, on average, more expensive than many other places in the US, but as we’ve discussed in detail, there are many ways to reduce the cost.
Start here, with us. Get Rhode Island car insurance quotes fast, and for free, from our nation’s top and most trusted providers.
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Rhode Island drivers pay between $79 and $303 per month for car insurance, depending on their coverage level. Minimum liability coverage averages $79–$177 per month, while full coverage averages $196–$303 per month. Rhode Island is the third most expensive state for car insurance in the U.S.
Rhode Island requires all drivers to carry at least 25/50/25 liability coverage, $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. Uninsured/underinsured motorist coverage is also required if you purchase bodily injury limits above the state minimums.
No. Rhode Island is an at-fault (tort) state. The driver found responsible for causing an accident must pay for the other party’s medical bills and vehicle repairs through their liability insurance. This means it’s especially important to carry adequate liability limits.
Travelers and USAA consistently offer the lowest car insurance rates in Rhode Island. Travelers averages around $63 per month for minimum coverage and $196 per month for full coverage. USAA offers competitive rates but is only available to military members, veterans, and their eligible family members. Progressive and State Farm are also among the most affordable options for most drivers.
Rhode Island car insurance rates are high due to the state’s dense population, flood and coastal weather risks, rising repair costs, and 2024 legislation requiring insurers to pay for repairs rather than totalling vehicles. Average full-coverage premiums in the state rose 41% between early 2024 and early 2025, making Rhode Island the third most expensive state for auto insurance in the country.
Driving without insurance in Rhode Island is illegal and can result in fines, license suspension, and vehicle registration revocation. You are required to carry proof of insurance in your vehicle at all times and must present it to law enforcement if asked.
Yes. Rhode Island insurers can use your credit history as a rating factor. Drivers with poor credit typically pay significantly more for car insurance than those with good or excellent credit. Improving your credit score over time is one of the most effective ways to lower your insurance premium.
Explore state-by-state car insurance trends to understand where drivers pay less on average.
Lauren Lewthwaite Lauren Lewthwaite has been freelance writing for almost five years writing content that ranges from health to insurance and everything in between. Lauren is also a trained translator in French and English and is a dog-mom to an adorable Australian Shepherd.
