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Car Insurance in Rhode Island: 2026 Rates & Guide

Rhode Island is a mid-range state for car insurance. The average driver pays $114/month ($1368/year). Here's how to find the best rate for your situation.

$114

Avg Monthly

$1368

Avg Annual

#29

Cost Rank (1=priciest)

$86

Cheapest Option/mo

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Cheapest Car Insurance Companies in Rhode Island (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in Rhode Island — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestAmica
$86/mo4.8Get Quote
2
GEICO
$90/mo4.3Get Quote
3
State Farm
$96/mo4.5Get Quote
4
Progressive
$104/mo4.1Get Quote
5
Travelers
$98/mo4.2Get Quote

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

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Rhode Island Car Insurance Requirements

Minimum Coverage: 25/50/25

Rhode Island is an at-fault state. The driver who causes an accident is financially responsible.

Rhode Island Insurance Facts

Rhode Island is the smallest US state but has dense traffic and above-average accident rates per mile driven.
Amica Mutual, headquartered in Providence, offers some of the most competitive rates in the state.
Providence drivers pay significantly more than rural Rhode Island due to congestion and theft rates.

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How to Get Cheaper Car Insurance in Rhode Island

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in Rhode Island — FAQs

What is the average cost of car insurance in Rhode Island?
The average car insurance cost in Rhode Island is $114 per month ($1368 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in Rhode Island?
Rhode Island requires minimum liability coverage of 25/50/25 (bodily injury per person / bodily injury per accident / property damage). This is a tort (at-fault) state.
Which company has the cheapest car insurance in Rhode Island?
Based on our research, Amica offers the lowest average rate in Rhode Island at around $86/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is Rhode Island a no-fault car insurance state?
No, Rhode Island is an at-fault (tort) state. The driver who caused the accident is responsible for covering the other party's damages through their liability insurance.
How can I lower my car insurance in Rhode Island?
The most effective ways to lower your car insurance in Rhode Island include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

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