Cheapest Car Insurance In Rhode Island 2026
USAA offers the cheapest car insurance in Rhode Island, with average annual rates of $816 for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
For Rhode Island drivers, Quincy Mutual and Travelers currently offer some of the cheapest minimum liability car insurance policies, often averaging between $67 and $78 per month. If you require full coverage to navigate busy Providence traffic or protect against coastal weather risks, typical rates increase to roughly $104 to $135 monthly.
Securing the most affordable premium depends heavily on your specific zip code within the Ocean State, your driving history, and your chosen coverage limits.
Key Takeaways
USAA & Quincy Mutual provide the cheapest car insurance policies in Rhode Island, on average.
The average cost of car insurance in Rhode Island ranges between $171-$233 per month.
Discounts are a good way to reduce your car insurance premium.
What’s Changed In 2026?
- The Rhode Island Department of Business Regulation recently approved rate increases reflecting higher vehicle repair costs.
- Increased coastal flooding near Narragansett Bay is currently driving up premiums for comprehensive coverage policies.
- Insurers are adjusting rates to offset the financial impact of Rhode Island’s rising uninsured motorist population.
Cheapest Car Insurance In Rhode Island, 2026
Cheapest Car Insurance In Rhode Island For Minimum Coverage – USAA
Minimum coverage in car insurance represents the most fundamental level of protection, aligning with the legal mandates set by the state of Rhode Island.
USAA offers the cheapest minimum coverage car insurance in Rhode Island, with average monthly premiums of $68.
| Provider | Average Monthly Cost | Average Annual Cost |
| Amica Mutual | $71 | $852 |
| Geico | $74 | $888 |
| Quincy Mutual | $69 | $828 |
| Travelers | $72 | $864 |
| USAA | $68 | $816 |
Cheapest Car Insurance In Rhode Island For Full Coverage – Travelers
Full coverage car insurance encompasses a more extensive range of protection compared to minimum coverage, making it a comprehensive choice for many drivers. This type of policy typically integrates both comprehensive and collision insurance, creating a robust safety net.
Travelers has the cheapest full coverage car insurance in Rhode Island. You can get coverage for around $105 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie Insurance | $110 | $1,320 |
| Encova | $134 | $1,608 |
| Nationwide | $127 | $1,524 |
| State Farm | $131 | $1,572 |
| Travelers | $105 | $1,260 |
Cheapest Car Insurance In Rhode Island For Drivers With Poor Credit – USAA
Credit score plays a pivotal role in the calculation of car insurance rates, serving as a key indicator for insurers in assessing the risk profile of a driver. The underlying premise is that individuals with lower credit scores are statistically more likely to file insurance claims.
If you have poor credit, you can find the cheapest car insurance with USAA. Premiums are around $157 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Amica Mutual | $168 | $2,016 |
| GEICO | $174 | $2,088 |
| MetLife Auto & Home | $165 | $1,980 |
| Travelers | $180 | $2,160 |
| USAA | $157 | $1,884 |
Cheapest Car Insurance In Rhode Island For Seniors – Travelers
Car insurance for seniors in Rhode Island can be found at an affordable rate of $140 per month with Travelers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Amica Mutual | $154 | $1,848 |
| GEICO | $144 | $1,728 |
| Liberty Mutual | $158 | $1,896 |
| Progressive | $149 | $1,788 |
| Travelers | $140 | $1,680 |
Seniors in Rhode Island have the potential to secure competitive rates for their car insurance, thanks to the various factors that work in their favor. Age can indeed be a significant factor in determining insurance premiums, with the assumption being that as drivers age, their reflexes and driving abilities might decline. However, this is not a hard and fast rule, and many seniors maintain excellent driving records well into their later years.
Cheapest Car Insurance In Rhode Island For Teenagers – American National
Teenage car insurance rates in Rhode Island are typically the highest out of any age group, this is because teenagers have a high rate of accidents, which translates into high premiums
American National has the cheapest rates for teens, with an average monthly premium of $200.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $205 | $2,460 |
| American National | $200 | $2,400 |
| GEICO | $210 | $2,520 |
| Progressive | $215 | $2,580 |
Cheapest Car Insurance In Rhode Island For Good Drivers – Amica Mutual
Good drivers, characterized by their clean driving records, are typically rewarded with lower car insurance rates. Insurance companies assess risk based on a driver’s history, and those without any violations or accidents naturally fall into the low-risk category.
Amica Mutual provides the cheapest auto insurance policy in Rhode Island for drivers with a clean record, at an average annual rate of $1,104.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $98 | $1,176 |
| GEICO | $94 | $1,128 |
| Amica Mutual | $92 | $1,104 |
| State Farm | $96 | $1,152 |
| Nationwide | $93 | $1,116 |
Cheapest Car Insurance In Rhode Island For Drivers With A Speeding Ticket – MetLife
MetLife has average premiums of $155, making it the cheapest option for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Amica Mutual | $164 | $1,968 |
| GEICO | $169 | $2,028 |
| MetLife | $155 | $1,860 |
| Progressive | $173 | $2,076 |
| State Farm | $160 | $1,920 |
Cheapest Car Insurance In Rhode Island For Drivers With An At-Fault Accident – Travelers
Travelers has average premiums of $174, making it the cheapest option for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Amica Mutual | $183 | $2,196 |
| GEICO | $187 | $2,244 |
| MetLife Auto & Home | $178 | $2,136 |
| Progressive | $191 | $2,292 |
| Travelers | $174 | $2,088 |
Cheapest Car Insurance In Rhode Island For Drivers After A DUI – State Farm
State Farm has average premiums of $117, making it the cheapest option for drivers with a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $184 | $2,208 |
| Progressive | $175 | $2,100 |
| Southern Farm Bureau | $168 | $2,016 |
| State Farm | $117 | $1,404 |
| Travelers | $157 | $1,884 |
Average Cost Of Car Insurance In Rhode Island – By Age
An 18-year-old driver in Rhode Island can expect to pay around $4,860 per year for their insurance, while a 35-year-old driver will only pay around $2,868.
Your age plays a significant role in determining your car insurance rate. Young drivers typically pay the highest premiums, with rates dropping as you get older.
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $456 | $5,472 |
| 17 | $430 | $5,160 |
| 18 | $405 | $4,860 |
| 19 | $379 | $4,548 |
| 21 | $332 | $3,984 |
| 25 | $285 | $3,420 |
| 35 | $239 | $2,868 |
| 45 | $228 | $2,736 |
| 55 | $223 | $2,676 |
| 65 | $233 | $2,796 |
| 75 | $270 | $3,240 |
Average Cost Of Car Insurance In Rhode Island – By City
Drivers in Cranston typically pay around $1,842 per year, while drivers in Cumberland may find rates around $1,740.
The city that your home is in greatly affects your car insurance premiums. Cities usually have higher risks of theft and accidents.
| City | Average Monthly Rate | Average Annual Cost |
| Bristol | $149 | $1,788 |
| Central Falls | $158 | $1,896 |
| Cranston | $154 | $1,848 |
| Cumberland | $145 | $1,740 |
| East Providence | $150 | $1,800 |
| Johnston | $148 | $1,776 |
Minimum Car Insurance Requirements In Rhode Island
Rhode Island drivers must have minimum car insurance with liability coverage set at 25/50/25. The minimum amount of coverage required by law is as follows:
- $25,000 for bodily injury per person
- $50,000 in bodily injury per accident
- $25,000 for property damage per accident.
Car Insurance Discounts In Rhode Island
While searching for car insurance, it’s wise to explore providers that offer the most beneficial discounts tailored to your circumstances. Additionally, consulting with your insurance agent can reveal potential discounts that you might not be currently utilizing.
Below is further insight into the common types of discounts provided by top car insurance companies:
- Multi-policy: Bundle two or more insurance policies with the same company.
- Multi-vehicle: Insuring multiple cars under the same policy or combining auto insurance policies earns you this discount.
- Military: This generally applies to both veterans and active-duty military members.
- Senior: This often applies to policyholders who are 55 or older.
- Homeowners: If you own a home, you may qualify for this discount.
- Good student: This discount is usually for college and high school students under 25 who maintain a B average in their courses.
- Good driver: You can save money by maintaining a clean driving record (with no at-fault accidents, DUI, or traffic tickets in the last three years).
- Defensive driving: Those who take a qualifying defensive driving course get a discount.
- Driver training: Get a discount by taking a driver education training course.
- New car: Drivers who purchase new cars, typically no more than three model years old, get a discount.
- Safe car: This applies if your vehicle has safety features like anti-theft technology.
- Paperless: Receive a discount by opting to receive your documents through email.
- Pay-in-full: Save on your car insurance premium by paying in full up front.
Compare Rates To Other U.S. States
| State | Average Annual Premium |
| Alabama | $1,846 |
| Alaska | $1,386 |
| Arizona | $1,954 |
| Arkansas | $1,962 |
| California | $2,580 |
| Colorado | $2,172 |
| Connecticut | $1,984 |
| Delaware | $2,217 |
| Florida | $2,670 |
| Georgia | $2,056 |
| Hawaii | $1,415 |
| Idaho | $1,397 |
| Illinois | $1,782 |
| Indiana | $1,547 |
| Iowa | $1,588 |
| Kansas | $1,867 |
| Kentucky | $2,205 |
| Louisiana | $3,171 |
| Maine | $1,469 |
| Maryland | $2,025 |
| Massachusetts | $1,527 |
| Michigan | $2,335 |
| Minnesota | $1,760 |
| Mississippi | $2,011 |
| Missouri | $2,011 |
| Montana | $2,071 |
| Nebraska | $1,721 |
| Nevada | $2,353 |
| New Hampshire | $1,408 |
| New Jersey | $2,007 |
| New Mexico | $1,817 |
| New York | $2,098 |
| North Carolina | $1,502 |
| North Dakota | $1,734 |
| Ohio | $1,530 |
| Oklahoma | $2,129 |
| Oregon | $1,773 |
| Pennsylvania | $1,960 |
| Rhode Island | $2,255 |
| South Carolina | $2,007 |
| South Dakota | $2,474 |
| Tennessee | $1,692 |
| Texas | $1,990 |
| Utah | $1,864 |
| Vermont | $1,299 |
| Virginia | $1,631 |
| Washington | $1,819 |
| West Virginia | $1,853 |
| Wisconsin | $1,609 |
| Wyoming | $1,778 |
FAQs
How much is car insurance a month in Rhode Island?
The monthly cost of car insurance in Rhode Island varies widely but typically ranges from $171 to $233. Factors influencing the price include your driving record, type of coverage, and the make and model of your vehicle.
Which car insurance is better in Rhode Island?
The “best” insurance in Rhode Island depends on individual needs. USAA & Quincy Mutual are both popular for their affordability and customer service,
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Rhode Island.
This is an informed perspective, honed by over 15 years of personal involvement in the industry as a licensed casualty insurance agent in Rhode Island, countless interactions with representatives from various companies, and insights gleaned from firsthand experience buying car insurance in Rhode Island.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.
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