1. States
  2. Rhode Island
  3. Cheap Auto Insurance Quotes

Cheap Rhode Island Auto Insurance Quotes

Enter your Rhode Island zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Nov 19, 2019

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The model of vehicle needing coverage is a significant factor that determines whether or not you find cheap insurance in Rhode Island. Vehicles with average performance, a plethora of safety features, or a positive history of liability claims will cost much less to insure than fast, unsafe models. The data below illustrates coverage costs for a number of the most cost-effective automobiles to buy coverage for.

Auto Insurance Rates for Popular Cars in Rhode Island
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $1,406 $703 $117
Ford Focus SE 4-Dr Sedan $1,374 $687 $115
Honda Accord LX 4-Dr Sedan $1,186 $593 $99
Honda Civic LX 2-Dr Coupe $1,716 $858 $143
Hyundai Elantra GLS 4-Dr Sedan $1,494 $747 $125
Hyundai Sonata SE 4-Dr Sedan $1,580 $790 $132
Kia Optima SX $1,612 $806 $134
Nissan Altima Hybrid 4-Dr Sedan $1,526 $763 $127
Volkswagen Jetta SEL 4-Dr Sedan $1,526 $763 $127
Get a Custom Quote for Your Car Go

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can affect coverage prices substantially.

Car Insurance Rates for Popular SUVs and Crossovers in Rhode Island
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Buick Enclave XL 2WD $1,526 $763 $127
Cadillac Escalade Platinum Edition 4WD $1,964 $982 $164
Chevrolet Traverse LTZ AWD $1,338 $669 $112
Ford Escape XLT 2WD $1,186 $593 $99
Ford Explorer Eddie Bauer AWD $1,438 $719 $120
GMC Acadia SLT AWD $1,438 $719 $120
GMC Terrain SLT 2WD $1,426 $713 $119
Honda CR-V EX 2WD $1,186 $593 $99
Honda Pilot Touring 2WD $1,438 $719 $120
Jeep Grand Cherokee Limited 4WD $1,526 $763 $127
Nissan Pathfinder SE 4WD $1,318 $659 $110
Subaru Forester XT AWD $1,458 $729 $122
Toyota 4Runner Trail Edition 4WD $1,458 $729 $122
Toyota Highlander Limited 2WD $1,558 $779 $130
Toyota RAV4 2WD $1,406 $703 $117
Get a Custom Quote for Your SUV or Crossover Go

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Price estimates do not factor in specific location information which can revise premium rates considerably.

Car Insurance Rates for Popular Pickup Trucks in Rhode Island
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Extended Cab 2WD $1,374 $687 $115
Chevrolet Silverado 2500HD LT Extended Cab Diesel 2WD $1,730 $865 $144
Chevrolet Silverado LT Extended Cab 2WD $1,492 $746 $124
Dodge Ram Quad Cab SLT 4WD $1,524 $762 $127
Ford F-150 Lariat King Ranch 2WD $1,526 $763 $127
Ford F-350 Crew Cab Cabela Turbo Diesel 4WD $2,010 $1,005 $168
GMC Sierra 3500HD SLE Extended Cab 4WD $1,812 $906 $151
GMC Sierra SLT Crew Cab 4WD $1,644 $822 $137
Toyota Tacoma 2WD $1,374 $687 $115
Toyota Tundra Regular Cab 4WD $1,524 $762 $127
Get a Custom Quote for Your Truck Go

Prices above based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Rhode Island minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can change premium rates considerably.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Buying low-cost auto insurance is not the easiest thing to accomplish, and determining which companies quote the most affordable car insurance rates in Rhode Island involves even more work.

Every auto insurer has a unique approach to set their prices, so let’s begin by examining the most competitive car insurance companies in Rhode Island.

Enter your zip code below to view companies that have cheap auto insurance rates.

Cheapest Rhode Island auto insurance companies
Rank Company Cost Per Year
1 USAA $698
2 State Farm $1,106
3 Travelers $1,209
4 Amica $1,467
5 Progressive $1,499
6 Quincy Mutual $1,627
7 Peerless $1,715
8 National Grange Mutual $2,032
9 GEICO $2,419
10 MetLife $2,504
11 Nationwide $2,653
12 Encompass $2,987
13 California Casualty $3,027
14 Liberty Mutual $3,073
15 Allstate $3,120
Find Cheaper Rates Go

USAA quotes some of the best car insurance rates in Rhode Island at around $698 a year. State Farm, Travelers, Amica, and Progressive also qualify as some of the most economical Rhode Island car insurance companies.

As shown in the rates above, if you are currently insured with Progressive and switched to State Farm, you might see an annual premium reduction of in the neighborhood of $393. Policyholders with Quincy Mutual could save as much as $521 a year, and Peerless insureds might reduce rates by $609 a year.

To see if your current coverage is too expensive, click here to get quotes or visit any of the low-priced companies below.

Enter your zip code below to view companies that have cheap auto insurance rates.

Bear in mind that those rates are averaged for all types of drivers and the different vehicles they drive and do not take into consideration a price discount in Rhode Island. So the insurer that is most affordable for your situation may not even be featured in the list of companies above. That point stresses why you need to compare rates from multiple companies using your own driver and vehicle profiles.

Discounts on cheap Rhode Island auto insurance quotes

Car insurance for drivers in Rhode IslandCar insurance companies that provide coverage in Rhode Island may provide discounts that could potentially reduce rates by as much as 35% if you are eligible for them. The best car insurance companies and the discounts they provide include:

  • American Family has savings for mySafetyValet, defensive driver, good student, early bird, multi-vehicle, air bags, and Steer into Savings.
  • Nationwide policyholders can earn discounts including good student, Farm Bureau membership, defensive driving, multi-policy, and accident-free.
  • MetLife may include discounts for claim-free, good driver, accident-free, defensive driver, good student, and multi-policy.
  • 21st Century offers premium reductions for homeowners, teen driver, driver training, early bird, and theft prevention.
  • Farmers Insurance offers discounts including youthful driver, distant student, early shopping, electronic funds transfer, and business and professional.
  • Allstate may offer discounts for premier plus, senior citizen, multi-policy, good payer, defensive driver, FullPay discount, and early signing.

The illustration below illustrates the comparison of insurance costs with and without some available policy discounts. The rate quotes are based on a female driver, no tickets, no at-fault accidents, Rhode Island state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with anti-theft, accident-free, homeowner, claim-free, multiple vehicle, and passive restraint discounts applied. When drivers take advantage of discounts, the amount saved on car insurance in Rhode Island is 28% or $549.

Driving violations and accidents

The ideal way to find cheap Rhode Island auto insurance quotes is to be a good driver and avoid accidents and violations. The illustration below illustrates how speeding tickets and at-fault accidents influence yearly insurance costs for each different age group. The rate quotes are based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

The chart shows that the average cost of auto insurance in Rhode Island per year with no violations or accidents is $3,111. Add in two speeding tickets and the average cost increases to $4,133, an increase of $1,022 each year. Then add in two accidents along with the two speeding tickets and the yearly cost of car insurance in Rhode Island increases to an average of $7,795. That’s an increase of $4,684, or $390 per month, just for not driving safely!

Find cheap Rhode Island auto insurance quotes

Lowering your rates is not difficult, and here are many money-saving suggestions that can help drivers buy cheaper auto insurance.

  • Lower rates by purchasing a safer vehicle
  • Drive safely
  • Bundle home and auto and save
  • Remove physical damage coverage on older vehicles
  • Avoid at-fault accidents and claims
  • Too many claims can make car insurance unaffordable
  • Shop around for cheaper prices often

The last idea is highly important, as was pointed out in this article. Insurance prices fluctuate constantly, so don’t be tentative to change to a new company if a cheaper price is available.

Many consumers stick with the same company and that’s fine, but it’s not a good idea if that loyalty results in overpaying hundreds of dollars a year. It only take a few minutes to shop around and find cheaper car insurance in Rhode Island.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles