Rhode Island Car Insurance Rates

Average insurance prices in Rhode Island for 2018 are $1,620 a year with full coverage. Comprehensive, collision, and liability cost approximately $360, $658, and $420, 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: $1,620

Policy rates by type of coverage:

Comprehensive $360
Collision $658
Liability $420

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 $496 for a discount liability-only rate to the much higher price of $3,500 for a high-risk insurance policy.

Liability Only $496
Full Coverage $1,620
High Risk $3,500

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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Rhode Island car insurance rate comparison chart
Column chart showing Rhode Island car insurance prices range from $930 to $5,964 for full coverage

The chart above shows Rhode Island auto insurance prices for different coverage choices and risks. The cheapest discount price is $930. Drivers choosing higher $1,000 deductibles will pay $1,390. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,620. Selecting more expensive $100 deductibles for comp and collision coverage could cost up to $2,072. If you have multiple accidents and violations you could be charged at least $3,500. The rate for full coverage insurance for a teenager can be as high as $5,964.

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.

Rhode Island Auto Insurance Rates for Popular Vehicles
Make and ModelPremium% to Avg
Chevrolet Silverado$1,7105.3%
Dodge Ram$1,7587.8%
Ford Escape$1,350-20%
Ford Focus$1,568-3.3%
Ford Fusion$1,7185.7%
Ford F-150$1,524-6.3%
GMC Acadia$1,494-8.4%
GMC Sierra$1,6823.7%
Honda Accord$1,512-7.1%
Honda Civic$1,7728.6%
Honda CR-V$1,314-23.3%
Honda Pilot$1,540-5.2%
Hyundai Sonata$1,6441.5%
Kia Optima$1,6743.2%
Nissan Altima$1,6662.8%
Nissan Rogue$1,6280.5%
Toyota Camry$1,6501.8%
Toyota Corolla$1,614-0.4%
Toyota Prius$1,502-7.9%
Toyota RAV4$1,528-6%
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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.

Rhode Island Auto Insurance Companies by Market Share and Average Rate
RankCompanyMarket ShareAverage Rate
1Progressive18.56%$1,514
2Allstate12.62%$3,089
3Geico11.78%$2,468
4Amica Mutual11.41%$1,482
5Liberty Mutual7.82%$3,013
6Metropolitan7.65%$2,529
7Nationwide6.26%$2,680
8USAA5.60%$712
9MAPFRE Insurance4.14%N/A
10Travelers2.79%$1,234
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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 $1,500 a year for full coverage. Rates are highest for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,900 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 $1,900 to $2,600 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 $690 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 $378 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 $1,200 a year, whereas some neighorhoods in Providence and Cranston may have prices as high as $2,800. 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.

View Chart as Image

Rhode Island insurance rates by city

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

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Rates by Driver Age

Rhode Island Insurance Rates by Driver Age
Driver AgePremium
16$5,964
20$3,742
30$1,696
40$1,620
50$1,476
60$1,450

Full coverage, $500 deductibles

Rates by Deductible

Rhode Island Car Insurance Rates with Different Deductibles
DeductiblePremium
$100$2,072
$250$1,864
$500$1,620
$1,000$1,390

Full coverage, driver age 40

Rates by Liability Limit

Rhode Island Car Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,620
50/100$1,704
100/300$1,809
250/500$2,082
100 CSL$1,746
300 CSL$1,977
500 CSL$2,145

Full coverage, driver age 40

Rates for High Risk Drivers

Rhode Island Car Insurance Rates for High Risk Drivers
AgePremium
16$8,518
20$5,940
30$3,584
40$3,500
50$3,338
60$3,308

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.

SR-22 Surcharge $225

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

DiscountSavings
Multi-policy$86
Multi-vehicle$83
Homeowner$23
5-yr Accident Free$122
5-yr Claim Free$104
Paid in Full/EFT$76
Advance Quote$81
Online Quote$115
Total Discounts$690
Rate after discounts $930

Discounts are estimated and may not be available from every company or in every state.

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