Amica is Rhode Island's best car insurance company, earning a MoneyGeek score of 4.74 out of 5 for its strong customer service and competitive rates. Since insurance needs vary by driver, also consider Travelers, State Farm, Quincy or Progressive for coverage.
Best Car Insurance in Rhode Island
Updated: August 26, 2025
Advertising & Editorial Disclosure
Key Takeaways
Amica is Rhode Island's best overall car insurance provider for its superior affordability and good customer service reputation.
Travelers offers the best coverage for drivers with bad credit and those with low income, while Amica provides optimal rates for young drivers and those with accidents in Rhode Island.
To get the best car insurance in Rhode Island, decide on coverage beforehand, research costs and providers, and compare plenty of quotes.
Best Car Insurance Companies in Rhode Island
| Amica | 4.74 | $73 | 1 | 5 |
| Travelers | 4.59 | $76 | 2 | 4 |
| State Farm | 4.41 | $65 | 4 | 6 |
| Quincy | 4.24 | $82 | 8 | 4 |
| Progressive | 4.10 | $113 | 3 | 2 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Rhode Island by Driver Profile
Amica leads in six out of ten Rhode Island driver categories, offering the lowest rates for young, adult and senior drivers, plus those with accidents, speeding tickets or old cars. Travelers provides the best rates for the remaining categories: DUI, bad credit, low income and newer car coverage.
| Young Drivers | Amica | 5 | 1 | 5 |
| Adult Drivers | Amica | 2 | 1 | 5 |
| Senior Drivers | Amica | 3 | 1 | 5 |
| Drivers With an Accident | Amica | 2 | 1 | 5 |
| Drivers With a DUI | Travelers | 2 | 2 | 4 |
| Drivers With a Speeding Ticket | Amica | 4 | 1 | 5 |
| Drivers With Bad Credit | Travelers | 4 | 2 | 4 |
| Drivers With Low Income | Travelers | 3 | 2 | 4 |
| Drivers With Newer Cars | Travelers | 2 | 2 | 4 |
| Drivers With Old Cars | Amica | 4 | 1 | 5 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Rhode Island Car Insurance Recommendations
Our top recommendations provide a starting point, but your unique profile might match better with different Rhode Island insurers. Compare these five leading providers to find coverage that fits your specific needs.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | 4.49 | $180 | 2 | 4 |
| Quincy | 4.44 | $141 | 8 | 4 |
| Amica | 4.00 | $316 | 1 | 5 |
| Progressive | 3.90 | $267 | 3 | 2 |
| GEICO | 3.90 | $214 | 6 | 6 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Rhode Island Car Insurance Reviews
Find detailed service breakdowns for our top insurance picks in each category below.
Amica
Best Customer Experience in Rhode Island
MoneyGeek Rating
4.7/ of 5
4.8/5Affordability
5/5Customer Experience
3.4/5Coverage Options
Average Monthly Full Coverage Cost
$101For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$46For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
N/AAggregated across all captive and independent agentsMost Unique Coverage Add-on
StreetSmart Rewards Program
Travelers
Best Coverage Options in Rhode Island
MoneyGeek Rating
4.6/ of 5
4.8/5Affordability
4.5/5Customer Experience
3.7/5Coverage Options
Average Monthly Full Coverage Cost
$96For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$56For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
IntelliDrive Plus Program
How to Find the Best Car Insurance in Rhode Island
Shopping for car insurance in Rhode Island isn't easy. We'll help you find coverage that fits your needs.
- 1
Decide on coverage needs before you buy
You may overpay if you don't know what coverage you need. Consider your driving habits, location and finances when deciding how much insurance you need while meeting Rhode Island required minimums.
- 2
Research average costs and discounts you may qualify for
Start by researching average car insurance costs in Rhode Island to understand typical rates for your profile. Look into savings opportunities like home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can help you save as well.
- 3
Look through provider customer experiences and coverage options thoroughly
Insurance providers differ in more than just premiums. Research customer reviews to avoid companies with poor claims handling or policy management.
- 4
Consider non-standard coverage options
Look into specialized options like non-owner car insurance and pay-per-mile policies that might better suit your needs.
- 5
Compare plenty of quotes through multiple means
Compare multiple quotes to find the cheapest option possible. Get your quotes from independent agents and company websites, as prices can vary between sources.
- 6
Reassess annually
Review your coverage and shop for new quotes each year to obtain the best rate.
Best Rhode Island Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Amica is the top-rated company overall, while Travelers and State Farm are also good options for drivers in Rhode Island.
Best Auto Insurance in Rhode Island: FAQ
Car insurance needs vary by driver, so we've answered common questions to help you find coverage that matches your situation and budget.
What is the best car insurance company in Rhode Island?
Amica leads Rhode Island's auto insurance market with a MoneyGeek score of 4.74 out of 5 and full coverage premiums averaging $101 per month.
What is the best car insurance company for minimum coverage in Rhode Island?
State Farm leads for minimum coverage in Rhode Island with an average rate of $513 per year.
What is the best car insurance in Rhode Island for young drivers?
Amica is the leading insurance choice for young adults in Rhode Island, providing competitive rates around $148 per month and exceptional customer service.
What is the best car insurance for Rhode Island drivers who value customer service?
Amica leads customer experience ratings in Rhode Island with a score of 5 out of 5. The company excels in its buying process, agent service, policy management tools and general claims satisfaction.
What is the best car insurance in Rhode Island if you have driving offenses?
Travelers ranks as the top insurer for Rhode Island motorists with driving violations, offering monthly rates of $93 for minimum coverage and $161 for full coverage.
How We Rated the Best Car Insurance in Rhode Island
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Rhode Island. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Rhode Island. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Rhode Island-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.