Cheapest car insurance in Rhode Island

Rhode Island is the smallest of the states, but it has the highest population density. There were nearly 869,000 vehicles registered in Rhode Island as of 2019. To legally drive a Rhode Island vehicle, every driver must have minimum coverage.

Car insurance rates in Rhode Island may be higher than the national average due to the large number of cars and drivers on the roads. A full-coverage car insurance policy for an annual cost of $2,018 and a policy with minimum coverage costs on average $749 per year. Bankrate’s research can help you find the best car insurance in Rhode Island.

The lowest car insurance rates in Rhode Island

The current premium data for the largest insurers in Rhode Island was analyzed by Bankrate’s editorial team. It was obtained from Quadrant Information Services. We also evaluated the average premiums of each company, as well as their coverage options, discounts, and third-party rankings.

These companies may be a good place to start if you’re looking for affordable car insurance in Rhode Island.


Amica, a Rhode Island-based insurer company, was awarded the top ranking in New England in 2020 J.D. for overall customer satisfaction. Power Auto Insurance Study. This company has the lowest average minimum coverage premium and its full coverage premium are lower than Rhode Island’s.

Amica is the only property and casualty insurer that offers dividend policies. Drivers might be able to recoup as much as 20% of their premium after the policy period ends. Amica offers discounts to homeowners, loyal customers and safe drivers.


USAA may be an excellent choice for you if you’re a veteran or a former military member. USAA offers the lowest full coverage and many discounts to help you save even further. USAA does not qualify for J.D. Power was not eligible for J.D.’s official ranking, but the company received the highest points in the 2020 U.S. Auto Insurance Study.

USAA offers discounts to new car owners, good students, and safe drivers if you want to save more on your premium. There are also savings to be made by garaging your car on a military base, or even storing it while you’re deployed. You can customize your coverage by adding options such as accident forgiveness or roadside assistance.


If you’re looking for a variety of coverages such as ridesharing, new car replacement, gap coverage, roadside assistance, and accident forgiveness, then Travelers might be the right choice.

Travelers offers many discounts in addition to excellent coverage options. You can save money by owning an electric or hybrid car, continuing your insurance, getting a quote before your current policy expires, driving a safe vehicle, learning how to drive, and being a good student.


Geico is not the most affordable company on our list but it may be worth considering if you prefer to manage your insurance online. Geico offers strong online customer service and a highly rated mobile app. It has received over 2.7 million app store reviews and a rating of just 4.8 out of 5. The Google Play version has been reviewed by over 376,000 users and also received a rating of 4.8 out of 5. You can access your ID cards, change your policy, file a claim, and call roadside assistance.

Geico offers many discounts to help keep your premium down. A vehicle equipped with safety features such as anti-lock brakes and air bags, daytime running light, or an anti-theft device could save you money. Federal employees, military personnel, students, and safe drivers can also save. Geico also received an above-industry-average customer satisfaction score from J.D. The New England region is home to Power.

All over the country

Nationwide has the highest minimum insurance premium and the second-highest premium for full coverage. However, you might still be interested in a quote. Nationwide offers many optional coverages that can be tailored to meet your specific needs. You can add gap insurance, towing and labor coverage, or accident forgiveness. Participation in the Vanishing Deductible Program could be an option. This program reduces your deductible by $100 each year that you don’t file a claim. It can also save you up to $500.

Nationwide offers discounts that you might be eligible for. Nationwide offers several discounts that could help you save money. SmartRide, and SmartMiles are two telematics programs offered by Nationwide. These may help you save money depending on your driving habits.

Minimum coverage requirements for Rhode Island drivers

In Rhode Island, car insurance is required as in many states. To drive legally in Rhode Island, you will need to have the following minimum limits :

  • $25,000 per person for bodily injury
  • $50k bodily injury per accident
  • $25,000 for property damage

In Rhode Island, insurance companies are required to offer you coverage for uninsured motorists, and underinsured motorcyclist coverage. However, you have the option of declining these coverages in writing regardless of your liability limits.

Minimum coverage is often the best option for drivers who want to pay the lowest rates. If you are involved in an accident that results in injuries or damage beyond your insurance limits, you could be responsible for large out-of-pocket costs. Insurance professionals advise that you buy higher limits if possible.

Minimal coverage doesn’t provide coverage for vehicle damage. You must purchase collision and comprehensive coverages. Your financial institution may require that you have full coverage if you have a vehicle loan or lease.

How to find cheap car insurance in Rhode Island

You can get the best car insurance rates in Rhode Island by getting quotes from affordable providers. But there are other ways to save money. These are ways you can potentially get a lower rate.

  • Compare rates: Comparing quotes from different insurance companies can help you to find the best rate and coverage for you.
  • Full payment: Drivers who are able to afford their car insurance premiums in full could be eligible for a discount.
  • Completing a defensive driving class: Insurance companies often offer discounts for drivers who have completed a approved defensive driving course.
  • Credit score improvement: Car insurance rates can be affected by your credit score . Drivers with lower credit scores statistically have more claims . You might save money by improving your credit score.
  • Discounts: Consider which discounts are available when you choose a provider. Discounts are a great way to save money on your car insurance.

Car insurance is a personal purchase. This means that the company you choose, as well as any policy features, discounts, and coverages that they offer, will be influenced by your particular circumstances. You might find the right policy for you by taking stock of your needs and wants from a company.

Questions frequently asked

Which is the best Rhode Island car insurance?

Each driver’s unique circumstances and individual needs will determine the best Rhode Island car insurance. Some drivers want the lowest rates while others seek the best customer service. Others are seeking specialty coverages. Rhode Island drivers may want to compare providers and shop around to find the best company for them.

What is the average cost for car insurance in the United States?

The average US full coverage car insurance policy costs $1674 per annum. On average, minimum coverage costs $565 per annum. The average full coverage policy in Rhode Island costs $2,018 annually, while minimum coverage is $749 annually. This could partly be due to Rhode Island’s dense population.

What is full coverage car insurance?

Full coverage means your auto insurance policy covers damage to your vehicle through comprehensive and collision coverages. Some companies might consider full coverage to include additional options such as uninsured or underinsured motorist coverage and medical payments coverage.