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Although Rhode Island is the smallest state in the nation, it’s still home to thousands of miles of roadway and around 750,000 licensed drivers. To remain safe and covered, it’s crucial you shop for the best Rhode Island car insurance. You need to meet the minimum coverage that Rhode Island state law requires, so you can be prepared for any rough roads or car accidents that could occur.

We have researched the best car insurance companies in the nation to give you recommendations based on cost, customer service, coverage options, service area, and more.

Check out our helpful guide to purchasing cheap car insurance in Rhode Island, so you can make a more informed decision before getting out on the road. Just remember that, in addition to the car insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.

Enter your zip code in our tool above to start comparing personalized car insurance quotes in Rhode Island:

Cheapest Car Insurance Companies In Rhode Island

According to our rate estimates for full coverage insurance, USAA is the cheapest provider in Rhode Island. A 35-year-old driver with a good driving history may pay about $1,057 annually with the company. State Farm, Progressive, and Nationwide are also cheap options for the state.

Car Insurance ProviderAverage Annual Cost Estimate
State Farm$1,090.00

How Much Does Rhode Island Car Insurance Cost?

Rhode Island car insurance has fairly high monthly premiums compared to other states. You’ll find the highest prices in the state’s capital, Providence. You can sometimes see prices twice as high as other areas in the state.

According to the NAIC, drivers in Rhode Island paid an average of $1,333 per year for car insurance in 2018. This is significantly higher than the national average car insurance expenditure of $1,056.

Type Of CoverageAverage Annual Expenditure
Liability coverage$885.00
Collision coverage$474.00
Comprehensive coverage$140
Total Cost$1,499.00

*Most drivers carry liability coverage but not necessarily other types of auto insurance. Total average annual expenditure measures what Rhode Island drivers actually spent on auto insurance in 2017.

Like in any state, your car insurance rate in Rhode Island will vary depending on the following factors:

  • Past auto insurance coverage
  • Zip code
  • Age, and the age you started driving
  • Gender
  • Marital status
  • Your driving record, including recent claims, tickets, and/or accidents
  • The type of car you drive
  • Your credit score
  • The purpose of your driving, whether for business or pleasure

Annual Rhode Island Car Insurance Estimates By Age

Younger drivers are more likely to get into an accident, so they pay more for insurance. In Rhode Island, a 24-year-old may pay 43 percent more than a 35-year-old, according to our rate estimates.

AgeRhode Island Annual Car Insurance

Annual Rhode Island Car Insurance Estimates By Gender

In Rhode Island, men pay $48 more per year for full coverage car insurance than women on average.

GenderRhode Island Annual Car Insurance

Annual Rhode Island Car Insurance Estimates For Drivers With Bad Credit

Rhode Island allows car insurance companies to use credit reports to set rates. A driver with fair credit may pay 30 percent more, while a driver with poor credit may pay 84 percent more for car insurance.

Credit RatingRhode Island Annual Car Insurance

Annual Rhode Island Car Insurance Estimates For Bad Drivers

According to our rate estimates, a speeding ticket can raise your rates by 33 percent, while being at fault in an accident can raise them by 40 percent.

Driving RecordRhode Island Annual Car Insurance
Speeding Ticket$2,582.00
At-Fault Accident$2,727

Best Rhode Island Car Insurance

When you are shopping for car insurance in Rhode Island, it can be useful to compare multiple providers to decide which is the best fit for you. We’ve researched and compared some of the top car insurance companies that service Rhode Island.

Best Rhode Island Car InsuranceMotor1 RatingAverage Cost
1. Progressive Auto Insurance$4.60$1,670
2. Geico Auto Insurance$4.60$N/A
3. USAA Auto Insurance4.8$1,057
4. Liberty Mutual Insurance$4.50N/A
5. The General Insurance3.8N/A
6. Nationwide Car Insurance4.3$1,963

*Not all companies were included in our rate estimates for each state. You may also notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking for this article looks specifically at what insurance providers are best for Rhode Island car insurance.

#1 Progressive Car Insurance: Our First Choice

Progressive is a widely known insurance company, the third largest in the nation. It received a 4.6-star rating overall after our team performed in-depth industry research. Progressive is a great option for car insurance in Rhode Island because it has lots of discounts when you bundle policies, add multiple cars, drive safe, and more.

This insurance company considers Rhode Island to be one of its high-cost states. The monthly premiums from Progressive for R.I. tend to be higher than the averages of other states. This is the result of many factors like a dense population, higher crime rates, and dangerous intersections.

Rhode Island auto insurance from Progressive offers you a great range of coverage options, with many add-ons available like roadside assistance or gap insurance to protect you if your car becomes totaled. And, because Progressive has homeowner’s insurance and other products, it’s easy to bundle multiple policies and save money. You can also use the Snapshot tool to monitor your driving and earn a discount when you drive safely.

Progressive is not accredited by the Better Business Bureau (BBB), but it has an A- rating. The popular insurance company has a great reputation around the nation, but a handful of customer complaints surround the level of customer service.

One of the top auto insurers in the United StatesAverage claims process
Superior financial strength rating and A- rating from the BBBMixed customer service reviews
Great choice for high-risk driversHigher rates than some competitors
Easy quotes process

To learn more about the car insurance provider, check out our complete review of Progressive auto insurance.

#2 Geico Car Insurance: Runner-Up

Geico is another great option for car insurance in Rhode Island. It earned a 4.6-star overall rating in our research. This company gives you a discount when you bundle your auto, renters, and homeowners insurance.

When searching for Rhode Island car insurance, Geico provides basic and comprehensive coverage options, and an advanced online portal allows you to manage your account. Geico offers residents in the Ocean State discounts for being safe drivers. It is also known for quoting overall lower premiums for drivers than other providers in the state.

Although Geico is not accredited with the BBB, it has an A+ rating. Geico performed highly on many industry studies by J.D. Power and has an A++ financial strength rating from AM Best, so you know the auto insurance company can fulfill claims.

Superior financial strength rating and A+ rating from the BBBAverage quotes experience
Many choices for coverageUsage-based app not available in all states
High level of customer satisfaction
Available in 50 states

To learn more about the car insurance provider, check out our review of Geico auto insurance.

#3 USAA Car Insurance

No matter how you look at it, USAA tends to be one of the cheapest car insurance providers around. If you can qualify for USAA car insurance, you could end up paying well below the state average. Of course, every driver’s situation is unique. Prices are tied to your zip code, the type of car you drive, your driving records, and more. The only way to know exactly what you’ll pay is to get an auto insurance quote.

There is one downside to USAA – its membership is selective. You can qualify for USAA if you meet any of the following conditions:

  • You are an active member of the military – Army, Air Force, Navy, Marine Corps, or Coast Guard.
  • You are a former member of the military and retired or were honorably discharged.
  • You are part of a commissioning program like the Naval Academy or ROTC.
  • You are a child or spouse of a current or former USAA member.

That last qualification allows a family to pass on USAA eligibility to generation after generation.

USAA consistently scores high on customer satisfaction studies and industry surveys. It received a score of 909 out of 1,000 on the 2021 U.S. Auto Claims Satisfaction Study, which was the highest score of any company in the study. It also performed well across the board in the 2020 U.S. Auto Insurance Study.

On top of standard types of car insurance, USAA has a few extra coverage options like roadside assistance and gap insurance – which not all providers offer.

Affordable rates and numerous discountsOnly available for military and their families
Good option for military members
Superior financial strength rating and A+ rating from the BBB

To learn more about the car insurance provider, check out our review of USAA auto insurance.

#4 Liberty Mutual Auto Insurance

Liberty Mutual is an industry leader and is a great choice if you’re looking for strong coverage and benefits associated with an established brand. Based in Boston, Massachusetts, Liberty Mutual employs more than 50,000 people throughout 900 locations. It was founded in 1912 and currently offers a vast array of insurance products and services.

In addition to Rhode Island car insurance, you can find:

  • Homeowners insurance/renters insurance
  • Motorcycle insurance
  • RV insurance
  • Boat insurance
  • Umbrella policies
  • Flood insurance
  • Life insurance
  • Accident insurance
  • Pet insurance
  • Identity theft protection

You will also find some options for commercial accounts.

Liberty Mutual has an A financial strength rating from AM Best, which indicates that the company is financially stable and can pay claims. It also has an A+ rating from the BBB. While there are numerous complaints posted with the BBB, it’s nothing different from most auto insurance companies.

The trouble comes with subpar ratings from J.D. Power. In every region, the rankings place Liberty Mutual at either average or below average. This research indicates that there might be better options out there for customer service.

Excellent financial strength rating and A+ rating from the BBBLow J.D. Power scores
Many choices for coverageHigh premiums in some states
Numerous discounts, especially for young driversAverage customer satisfaction

To learn more about the car insurance provider, check out our review of Liberty Mutual insurance.

#5 The General Insurance

The General car insurance is a great choice for high-risk drivers whose credit scores or driving records would prevent them from obtaining car insurance coverage through other companies. The General makes it easy to obtain a quote, enroll in coverage, and even obtain an SR-22. Although the provider doesn’t offer the greatest discounts, the already low rates for high-risk drivers make up for this.

With more than 50 years of experience, The General holds its own among industry professionals. The company has an A+ rating and accreditation with the BBB, as well as a financial strength rating of A with AM Best. The insurer currently has an above-average complaint ratio of 1.98 (with 1.00 being average) from the National Association of Insurance Commissioners (NAIC).

Rhode Island car insurance policies come with some great benefits, including:

  • 24/7 roadside assistance, including battery jump-starts and gas delivery
  • Towing coverage (up to 15 miles or $50)
  • Rental car reimbursement for up to 20 days (amount depends on vehicle)
  • Deductible waiver for windshields and window glass
  • Coverage for custom equipment, aftermarket parts, or other additions (up to $5,000)

The General doesn’t offer multi-policy discounts because it only provides car insurance. But the provider does have an array of other great discounts for car insurance in Rhode Island:

  • Homeowners: This discount is available to any customer who owns a home.
  • Multi-car: This is offered to customers who insure multiple cars with The General.
  • Double deductible: This optional discount doubles the deductible for comprehensive and collision coverage for the first 45 days of a policy, which also reduces the plan cost.
  • Paid in full: The General offers a discounted rate for paying the premium for a year instead of in monthly payments.
  • Previous insurance: If you switch to The General from another insurance company, The General will discount your Rhode Island car insurance rate.
Coverage for even the most high-risk drivers in 47 statesHigher-than-average customer complaints
Easy-to-use websiteNot many discounts available
A+ rating from the BBB
Focus on low-cost insurance

To learn more about the car insurance provider, check out our review of The General insurance.

#6 Nationwide Car Insurance

Though Nationwide doesn’t top the charts for cost or customer service, we are impressed by its comprehensive coverage and extensive discount availability. It is well suited for tech-savvy drivers, as it has an extensive online portal that gives you access to everything from quotes to paying your bills, filing a claim, and requesting roadside assistance. The company also has programs geared toward safe drivers, such as the SmartRide® program, which gives drivers a discount on Rhode Island car insurance after they allow the company to track their safe driving practices for a set period of time.

AM Best gave Nationwide Mutual Insurance an A+ (Superior) rating for financial strength. The BBB rates Nationwide at A+, too. Nationwide has nearly 250 customer complaints logged with the BBB in the last three years, but for a company of its size, that number isn’t unusual.

Superior financial strength rating and A+ rating from the BBBMixed customer reviews depending on location
Many choices for coverage available in 47 statesExpensive
Usage-based insurance optionsDifficult quotes process

To learn more about the car insurance provider, check out our review of Nationwide car insurance.

You can use the tool below to start comparing free auto insurance quotes in Rhode Island:

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Rhode Island Car Insurance Requirements

When you are shopping for car insurance in Rhode Island, it’s important that you first take the time to understand your state’s requirements. The specific regulations and limits for car insurance will vary by state. Each state sets its own insurance requirements that drivers must follow.

In the case of Rhode Island, drivers must carry liability coverage for bodily injury and property damage. Here are the state minimum coverage limits Rhode Island drivers must have:

  • Bodily injury liability per person: $25,000
  • Bodily injury per accident: $50,000
  • Property damage liability: $25,000

It is also a good idea to add more than the minimum coverage in your insurance quote. Consider adding on comprehensive coverage, collision coverage, uninsured motorist coverage, and medical payments to stay prepared on the road.

What To Know About Driving In Rhode Island

In addition to understanding the requirements for Rhode Island car insurance, you must also make yourself aware of the driving conditions and laws in the state. On average, Rhode Island drivers travel 12,781 miles each year according to the Federal Highway Administration.

Here are some laws to keep in mind with Rhode Island auto insurance:

  • Rhode Island has a ban on cell phone use for new drivers. This includes both handheld and hand-free devices.
  • No texting is allowed for any drivers in the state.
  • Drivers will be given a primary offense for driving without a seatbelt.
  • Children under eight years old, under 57 inches tall, and/or under 80 pounds must sit in rear-facing child car seats.

The highest number of accidents in Rhode Island occur in May, November, and December. Wednesday is considered the most dangerous day of the week for accidents. Fortunately, fatalities from automobile accidents are declining in this state. There were around 45 auto-related fatalities in 2015, which was the lowest number in a few years.

When driving in Rhode Island, be vigilant of the road conditions. Some areas have rough spots that require slow driving to avoid damage to your car. Also, you may find slower-than-average speed limits in some spots around Rhode Island. Make sure you always know the speed limit to avoid getting a ticket.

Conclusion On Rhode Island Car Insurance

Drivers have a lot of options when it comes to Rhode Island auto insurance. You can choose the minimum $25,000/$50,000/$25,000 coverage, or you can add on helpful medical coverage and gap insurance depending on which insurer you choose to work with.

Top providers in this area include Progressive, Geico, and USAA. Each of these companies has good customer service ratings and a variety of discounts for auto insurance.

Enter your zip code in the tool below to get matched with a quote that fits your needs:

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FAQ About Rhode Island Car Insurance


In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.