Best Car Insurance in Rhode Island

Amica leads Rhode Island car insurance providers overall and offers the best rates for young drivers and those with violations. Standard coverage includes liability, collision and comprehensive protection, plus pet injury coverage, custom parts protection and gap insurance for financed vehicles. Roadside assistance and rental reimbursement come standard. With a Coverage Score of 3.4 out of 5, Amica ranks fifth among Rhode Island competitors for coverage breadth.

Customer experience sets Amica apart with a perfect 5.0 score, the highest in Rhode Island. The mobile app handles claims filing, coverage reviews and roadside assistance requests. Founded in Rhode Island in 1907, Amica brings deep expertise in state-specific claims like coastal damage and severe weather. J.D. Power has recognized Amica as the top claims handler in its segment for 18 consecutive years.

Rates remain competitive across driver categories: $71 monthly ($855 annually) for adult drivers, $73 monthly ($879 annually) for drivers with accidents, and $233 monthly ($2,793 annually) for young drivers. These rates earned an Affordability Score of 4.8 out of 5, second-best in Rhode Island. Drivers seeking strong service at reasonable rates benefit most from Amica, particularly those with clean or lightly blemished records.

Read our review: Amica Car Insurance Review

State Farm offers the cheapest car insurance in Rhode Island for drivers with violations, charging an average of $783 annually across all age groups. These competitive rates make State Farm attractive for budget-conscious drivers rebuilding their records.

State Farm provides standard liability, collision and comprehensive coverage, plus pet injury protection, custom parts coverage and gap insurance. The company's local agent network spans Rhode Island, offering in-person service and policy support. Customers also access claims filing and policy management through State Farm's mobile app.

State Farm suits Rhode Island drivers who want low rates and don't need every coverage option. Local agents provide personal service at competitive prices.

Read our review: State Farm Car Insurance Review

GEICO charges the lowest rates in Rhode Island for drivers with bad credit or low income. Beyond standard coverage, GEICO handles Rhode Island-specific risks like coastal storm damage and the state's higher car theft rates. Emergency roadside service, rental reimbursement and mechanical breakdown insurance come standard. The mechanical breakdown coverage pays repair costs after manufacturer warranties expire.

Customizable policies accommodate different driver situations. Gap insurance protects newer vehicle owners, rideshare insurance covers Uber and Lyft drivers, and pet injury coverage pays veterinary expenses after accidents. Drivers with modified vehicles can add custom parts protection.

Rhode Island customers manage policies and file claims through the mobile app with 24/7 support. GEICO sends adjusters promptly for coastal damage and other state-specific claims, though few local offices exist. Customer experiences vary, quick responses earn praise while longer wait times draw criticism. The mobile app gets consistently positive reviews.

Read our review: GEICO Car Insurance Review