Rhode Island drivers' rates are influenced by factors they cannot control, including their age, where they live and their driving history, alongside choices they can make about coverage levels and deductibles.
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Average Cost of Car Insurance in Rhode Island for 2026
Updated: March 16, 2026
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How Much Does Car Insurance Cost in Rhode Island?
Rhode Island drivers pay about the same as the national average for full coverage car insurance at $126 per month, while minimum coverage costs $70 per month and runs above the national norm. Rhode Island residents can expect mixed pricing compared to other states depending on their coverage choice.
| Minimum Coverage | $70 | $60 | $845 | $726 |
| Full Coverage | $126 | $124 | $1,518 | $1,493 |
Full coverage costs Rhode Island drivers $25 more per year than the national average, while minimum coverage runs $119 above the national rate. Rhode Island ranks 33rd for full coverage affordability.
Is Car Insurance Expensive in Rhode Island?
Rhode Island falls in the middle for car insurance costs, ranking 33rd for full coverage affordability. Only 18 states have higher average rates than Rhode Island.
Rhode Island's rates are driven by its high uninsured motorist rate of 14.4%, dense urban corridors, and frequent winter weather claims from nor'easters and coastal storms.
Providence, the state's largest city, shows how urban density and higher crime rates push costs above rural areas throughout Rhode Island. Rhode Island's position in the litigious Northeast corridor also contributes to high premiums compared to less populated regions (see rates by city).
Vermont offers the cheapest full coverage at $75 per month, while Florida is the most expensive at $243 per month. Rhode Island ranks above Missouri and below Utah in the national affordability rankings.
| Vermont | $75 | $902 | 1 |
| Missouri | $124 | $1,486 | 32 |
| Rhode Island | $126 | $1,518 | 33 |
| Utah | $127 | $1,524 | 34 |
| Florida | $243 | $2,912 | 51 |
Cheapest Car Insurance Companies in Rhode Island
State Farm offers the most affordable car insurance in Rhode Island, charging $88 per month for full coverage and $43 per month for minimum coverage, which represents 30% less than the state average. Amica and Travelers round out the top three cheapest options for Rhode Island drivers.
Comparing multiple insurers is the best strategy for getting lower premiums since each company applies different formulas to calculate rates.
Read more: Cheapest and Best Car Insurance Companies in Rhode Island
| State Farm | $43 | $88 | $513 | $1,053 |
| Amica | $46 | $101 | $549 | $1,208 |
| Travelers | $56 | $96 | $676 | $1,152 |
| Quincy Insurance | $61 | $103 | $734 | $1,233 |
| American Family | $67 | $136 | $807 | $1,636 |
| Progressive | $84 | $141 | $1,006 | $1,696 |
How Much Is Car Insurance by City in Rhode Island?
Your location within Rhode Island directly affects what you'll pay for car insurance among the state's 10 largest cities. Providence drivers experience the steepest costs at $174 per month for full coverage, while North Providence follows at $162 per month. Newport and Westerly offer the most affordable rates, with both cities tied at $98 per month for full coverage.
| Providence | $174 | $98 |
| North Providence | $162 | $91 |
| Central Falls | $156 | $86 |
| Cranston | $155 | $87 |
| Pawtucket | $146 | $81 |
| East Providence | $138 | $77 |
| Warwick | $126 | $70 |
| Woonsocket | $125 | $70 |
| Newport | $98 | $55 |
| Westerly | $98 | $55 |
Newport's lower population density and reduced traffic congestion compared to urban centers help keep full coverage rates more affordable. Providence drivers experience higher premiums due to dense city traffic, elevated accident frequency, and increased vehicle theft rates in Rhode Island's largest metropolitan area. The gap between the most and least expensive of Rhode Island's 10 most populous cities reaches $76 per month, or $912 per year.
How Much Is Car Insurance in Rhode Island by Age and Gender?
At 16, male drivers in Rhode Island cost $7,544 per year on a family policy compared to $6,796 for female drivers. Both figures are roughly four to five times the base adult rate, reflecting the higher risk insurers assign to young drivers. Age and gender affect car insurance rates during the teen years. Rates fall steadily through the early 20s and stabilize around age 25.
The table shows average annual premiums when a young driver joins a household policy with two 50-year-old parents. Use the dropdown to toggle between male and female rates for different ages. A 16-year-old male on an individual policy pays $12,290 per year in Rhode Island, which is $4,746 more than the family policy rate for the same driver. This difference makes staying on a parent's policy the more affordable option for Rhode Island families.
Data filtered by:
Male
| 16 | $7,544 | $12,290 |
| 17 | $7,298 | $9,382 |
| 18 | $6,724 | $7,978 |
| 19 | $5,979 | $6,111 |
| 20 | $5,684 | $5,448 |
| 21 | $5,251 | $4,134 |
| 22 | $4,941 | $3,737 |
| 23 | $4,713 | $3,141 |
| 24 | $4,544 | $2,942 |
| 25 | $3,880 | $2,474 |
CAR INSURANCE COSTS BY AGE
How Does Your Driving Record Affect Car Insurance Rates in Rhode Island?
Full coverage car insurance in Rhode Island ranges from $134 per month with a clean record to $268 per month after a DUI, a 100% increase that doubles your premium. A texting while driving violation alone pushes rates up by 37%. Even minor infractions create lasting financial consequences for Rhode Island drivers.
| Clean Record | $134 | $1,609 | — |
| Accident (not at fault) | $136 | $1,632 | 1% |
| Accident (at fault) | $146 | $1,748 | 9% |
| Speeding | $174 | $2,092 | 30% |
| Texting While Driving | $184 | $2,213 | 37% |
| DUI | $268 | $3,220 | 100% |
Insurance companies in Rhode Island evaluate your driving violations to determine how likely you are to file future claims. Drivers with tickets, accidents or other infractions pay higher car insurance rates because insurers price that increased risk directly into their premiums.
How Does Credit Score Affect Car Insurance Rates in Rhode Island?
Drivers with bad credit pay nearly 2.4 times more for full coverage car insurance in Rhode Island than those with good credit. Bad credit drivers experience monthly premiums of $302 compared to $124 for good credit drivers. Rhode Island allows insurers to use credit-based insurance scores when calculating rates.
| Good Credit | $70 | $124 |
| Bad Credit | $152 | $302 |
| Difference | $82 | $178 |
Rhode Island permits insurers to include credit scores into car insurance rates, making credit historyimportant for your premium calculation. Drivers in Rhode Island with poor credit can reduce their insurance costs by working to improve their credit score over time.
How Much Does Car Insurance Cost in Rhode Island by Coverage Level?
Upgrading from basic liability to comprehensive full coverage in Rhode Island adds $68 per month to your car insurance bill. Minimum liability coverage costs $75 per month, while a high-limit policy with 300/500/300 limits plus comprehensive and collision runs $143 per month.
| Minimum Liability Only | $75 | $894 |
| Min. liab. + comp/coll ($1,000 ded.) | $85 | $1,021 |
| Min. liab. + comp/coll ($2,000 ded.) | $108 | $1,295 |
| 100/300/100 liability + comp/coll ($1,000 ded.) | $134 | $1,609 |
| 50/100/50 liability + comp/coll ($500 ded.) | $137 | $1,640 |
| 300/500/300 liability + comp/coll ($1,500 ded.) | $143 | $1,716 |
| Min. liab. + comp/coll ($250 ded.) | $147 | $1,764 |
| Min. liab. + comp/coll ($0 ded.) | $176 | $2,110 |
READING THIS TABLE AND UNDERSTANDING COVERAGE LIMITS IN RHODE ISLAND
Rhode Island requires drivers to carry at least 25/50/25 liability coverage, but this state minimum won't cover damage to your own car. The table above starts with this basic requirement and shows how premiums increase as you add higher liability limits and comprehensive and collision coverage. Each row represents a step up in financial coverage and cost.
Here's what 50/100/50 liability + comp/coll ($500 ded.) means:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $50,000 in property damage liability per accident
- Comprehensive and collision coverage with a $500 deductible
For more on coverage types and limits, read about the types of car insurance coverages and how much car insurance you need.
How Much Does Car Insurance Cost in Rhode Island by Vehicle?
Your vehicle choice directly affects insurance costs in Rhode Island. A Tesla Model Y costs $275 per month for full coverage, while a Ford F-150 runs $175 per month — a 57% difference. These models rank among the most popular vehicles nationally by sales volume. Your rate will depend on your vehicle and its make and model.
| Ford F-150 | $98 | $1,176 | $175 | $2,099 |
| Honda Civic | $102 | $1,223 | $181 | $2,178 |
| Honda Accord | $105 | $1,261 | $187 | $2,247 |
| Toyota Camry | $108 | $1,299 | $193 | $2,314 |
| Toyota Prius | $109 | $1,308 | $194 | $2,333 |
| Toyota Rav4 | $113 | $1,354 | $201 | $2,413 |
| Tesla Model 3 | $132 | $1,581 | $236 | $2,828 |
| Tesla Model Y | $153 | $1,839 | $275 | $3,302 |
Drivers focused on affordable insurance should consider a Honda Civic at $181 per month or Toyota Camry at $193 per month, saving roughly $88 monthly compared to a Tesla Model Y. Electric vehicles like the Model Y cost more to insure because of expensive battery replacements, specialized parts and higher repair costs at certified shops. The Tesla Model Y runs $275 per month for full coverage in Rhode Island, while a Ford F-150 costs $175 per month, creating a $100 monthly difference.
Cost of Car Insurance in Rhode Island: FAQ
Rhode Island's compact size means car insurance rates can shift within a few miles, especially between Providence and smaller towns. These are the questions Rhode Island drivers ask most about what affects their premiums.
How much is Rhode Island car insurance per month?
Rhode Island car insurance averages $70 per month for minimum coverage and $126 for full coverage. Your actual rate depends on your driving record, age, credit score and coverage selection.
Why is Rhode Island car insurance so expensive?
Rhode Island's high uninsured motorist rate of 14.4% compared to the national average of 13% increases premiums for all drivers. Dense urban traffic in Providence and coastal hurricane exposure add to claim costs.
How We Determined Rhode Island Car Insurance Costs
We used this profile to determine auto insurance costs across all available ZIP codes and cities in the state.
- 40 years old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Sections examining costs by age and driving record use rates for those driver profiles, keeping all other factors the same.
Minimum coverage represents the state's required minimum liability coverage. Full coverage includes a policy with 100/300/100 liability limits and a $1,000 deductible for both comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.