Rhode Island Car Insurance Rates
Average insurance prices in Rhode Island for 2019 are $1,874 a year with full coverage. Comprehensive, collision, and liability cost approximately $416, $762, and $484, respectively. Providence and Cranston have more expensive car insurance rates, and the two companies who insure the most vehicles in Rhode Island are Progressive and Allstate.
Average rate for full coverage: $1,874
Policy rates by type of coverage:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Average Price Range for Auto Insurance in Rhode Island
For a driver around age 40, Rhode Island insurance prices go from the cheapest price of $574 for a discount liability-only rate to the much higher price of $4,050 for a high-risk insurance policy.
These price ranges demonstrate why everyone should compare prices using their specific location and their own driving history, instead of depending on rates averaged for all U.S. states.
Use the form below to get accurate rates for your location.
Enter your Rhode Island zip code below to view companies that have cheap auto insurance rates.
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Recommended Companies for Cheap Rhode Island Insurance
The chart above shows Rhode Island auto insurance prices for different coverage choices and risks. The cheapest discount price is $1,077. Drivers choosing higher $1,000 deductibles will pay $1,606. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,874. Selecting more expensive $100 deductibles for comp and collision coverage could cost up to $2,396. If you have multiple accidents and violations you could be charged at least $4,050. The rate for full coverage insurance for a teenager can be as high as $6,896.
Insurance prices in Rhode Island are also quite variable based on deductibles and policy limits, your driving record, and your vehicle choice.
The type of car, truck, or SUV you buy is a large factor when calculating how much you will pay for car insurance in Rhode Island. Buying a cheaper and safer model will have a lower insurance cost primarily due to cheaper repair costs and lower severity of accident injuries.
The following table shows car insurance premium estimates for the most popular vehicles in Rhode Island.
|Make and Model||Premium||% to Avg|
|Get Rates for Your Vehicle Quote Now|
Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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Your auto insurance company affects your policy price. Each company has a slightly different rate calculation, and prices have large differences based upon different risk factors. In Rhode Island, car insurance prices range from $712 with USAA to as much as $3,089 with Allstate. Companies like State Farm, Travelers, and Amica fall somewhere in between.These are probably not the prices you would pay, as your Rhode Island zip code, the type of vehicle you drive, and your driving history have to be factored in.
|Rank||Company||Market Share||Average Rate|
|Get Your Rates Quote Now|
Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,700 a year for full coverage. Rates are highest for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $6,800 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out anywhere from $2,200 to $3,000 additional each year, depending on your age. Insurance for high-risk drivers can be from 44% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $790 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will increase rates by as much as $435 more each year. View Rates by Deductible or Liability Limit
The area you live in has a huge impact on auto insurance prices. Less congested rural areas could see prices as low as $1,400 a year, whereas some neighorhoods in Providence and Cranston may have prices as high as $3,200. Even different neighborhoods close to each other in the same city can have significantly different rates.
These rate differences illustrate the significance of getting rates for your specific Rhode Island zip code.
Since rates can be so different, the best way to find out which auto insurance is cheapest is to regularly compare rates from multiple companies. Each insurance company utilizes a different rate formula, and rates may be quite different.
Rhode Island Auto Insurance Articles
- Cheap Rhode Island Auto Insurance Quotes
- Best Cheap Car Insurance Quotes for Teenagers in Rhode Island
- Cheapest Insurance Quotes for a Ford Escape in Rhode Island
- Who Has the Cheapest Insurance for a Chevrolet Equinox in Rhode Island?
- Cheap Insurance for a Ford Explorer in Rhode Island
- How Much are Insurance Quotes for a Ford F-150 in Rhode Island?
- How Much is Insurance for a Nissan Altima in Rhode Island?
- How Much are Insurance Quotes for a Toyota Tundra in Rhode Island?
- Cheap Auto Insurance Quotes for High Risk Drivers in Rhode Island
- Cheap Insurance for a Nissan Sentra in Rhode Island
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$141|
|5-yr Claim Free||$120|
|Paid in Full/EFT||$88|
Discounts are estimated and may not be available from every company or in every state.