The best car insurance in Rhode Island is based on your age, driving history, where you live, and how much coverage you carry. Our analysis of rates and coverage across Rhode Island found that no one company wins for every driver.
Best Car Insurance in Rhode Island for 2026
Updated: June 3, 2026
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Our Experience Reviewing Rhode Island's Top Car Insurers
Amica: Best Overall in Rhode IslandAmica's 4.79/5 MoneyGeek score is first in Rhode Island, mainly due to its perfect 5.00/5 customer experience rating. The carrier scores 735 in J.D. Power's 2025 U.S. Auto Insurance Study, 110 points above the 625 regional average. Full coverage costs $102/month; minimum coverage averages $93/month. Amica, headquartered in Lincoln, Rhode Island, also has a home-state advantage.
For coverage options, Amica scores lower than other major carriers. Drivers who want a broad add-on profile will find more options with Progressive.
Travelers: Best Value Runner-UpTravelers earns a 4.52/5 MoneyGeek score, ranking second in Rhode Island. It has a 4.54/5 customer experience score and a 4.65/5 affordability score. Full coverage averages $99/month, which is 26% below the state average of $134/month. Travelers offers add-ons like accident forgiveness and new-car replacement, but it ranks only 4th in coverage.
State Farm: Best for DUI DriversThe carrier's 5/5 affordability score is the highest among Rhode Island's top carriers. This means it offers competitive rates across driver profiles. For drivers with a DUI, full coverage costs an average of $89/month, the lowest among the top five for that profile. For drivers with clean records, the average is $89/month for full coverage. Minimum coverage averages $66/month.
State Farm's 2.50/5 coverage score is the lowest in the top five. It has fewer add-on choices than Travelers or Progressive.
Quincy: Best Rate Value in Rhode IslandQuincy is the cheapest car insurance company in Rhode Island. It prices full coverage at $85/month, which is 37% below the $134 state average. Minimum coverage rate averages $63/month. Quincy's 4.24/5 MoneyGeek score places it fourth overall, with an affordability score of 4.66/5. Customer experience ranks 8th among all Rhode Island carriers.
Quincy is the right pick for drivers who want the lowest rate and don't need a wide add-on lineup.
Progressive: Best Coverage OptionsProgressive's 4.78/5 coverage score is the second-highest among Rhode Island's top five. Its add-on lineup is the broadest of the group: rideshare endorsements, gap insurance, and custom parts coverage. Full coverage averages $151/month, above the state average of $134/month. Its 4.02/5 customer experience score places it third among the top five. Drivers who prioritize customization over rate will find more options here than anywhere else in the top five. Progressive's overall MoneyGeek score is 4.01/5.
Best Car Insurance Companies in Rhode Island: Scores and Methodology
Amica | 4.79/5 | 2 | 1 | 5 |
Travelers | 4.52/5 | 4 | 2 | 4 |
State Farm | 4.41/5 | 1 | 4 | 6 |
Quincy Insurance | 4.24/5 | 3 | 8 | 4 |
Progressive | 4.01/5 | 8 | 3 | 2 |
Why You Can Trust MoneyGeek's Rhode Island Ratings
MoneyGeek evaluated 10 insurance companies in Rhode Island, including national carriers and Rhode Island regional insurers. Rankings combine rate analysis, customer feedback, and coverage assessments across three weighted factors. MoneyGeek does not receive compensation tied to which companies rank highest. Rate data comes from Quadrant Information Services, which sources actual insurance filings across every ZIP code.
Affordability (60%)
Rate quotes were gathered for multiple driver profiles using a baseline 40-year-old male with good credit, clean record, no prior claims. Quotes covered full coverage with 100/300/100 BI, $100,000 PD, and UM/UIM matching state minimums or higher. Rates reflect RI's most recently filed/approved insurer filings. Discounts applied where applicable include multi-policy, autopay, paperless, good-driver. Quotes based on published carrier filings, not individual quote forms.
Customer Experience (30%)
Customer satisfaction data was compiled from J.D. Power studies (including the 2025 U.S. Auto Insurance Study and the 2025 U.S. Auto Claims Satisfaction Study), AM Best financial strength ratings, and multi-platform review aggregation. NAIC complaint indexes also feed the composite score. J.D. Power scores shown in each carrier section are one input to the composite, not the full ranking.
Coverage Options (10%)
Coverage scoring measures each provider's range of coverage types and Rhode Island-specific add-on availability. Standard coverages (bodily injury liability, property damage liability, uninsured motorist coverage, medical payments coverage, comprehensive, collision coverage) are included in the baseline score. Add-on coverages weighted in the score include accident forgiveness, new car replacement, rideshare endorsements, gap insurance, custom parts coverage, mechanical breakdown insurance, and pay-per-mile or telematics-based programs. Coverages restricted or unavailable under state law are excluded from the score for all carriers.
*Rates and rankings on this page reflect a 40-year-old male driver with good credit and a clean record. Full coverage rates use 100/300/100,000 liability limits with a $1,000 comprehensive and collision deductible. Minimum coverage rates use Rhode Island's mandatory 25/50/25 liability limits without comprehensive or collision.
**USAA is excluded from all rankings because it is available only to military members and their families, which limits its accessibility for most readers.
Similar scores can reflect very different strengths in Rhode Island:
- Amica (4.79/5) and Travelers (4.52/5) are separated by only 0.27 points. Amica has a higher customer experience score (5/5 vs. 4.54/5), while Travelers is ahead on coverage options (4th vs. 5th coverage rank).
- There's only a 0.17 difference between State Farm (4.41/5) and Quincy (4.24/5). State Farm ranks #1 for best rate-to-value, with an $89/month full-coverage rate, but Quincy's $85/month rate is lower.
- The overall score for Progressive (4.01/5) is 0.40 points lower than State Farm's 4.41/5. But Progressive's 4.78/5 coverage score is nearly twice as high as State Farm's 2.50/5.
WHAT'S DIFFERENT ABOUT CAR INSURANCE IN RHODE ISLAND
Rhode Island is the only New England state using pure comparative negligence (Rhode Island General Laws Section 9-20-4). Drivers can recover damages even if mostly at fault, with the award reduced by their fault percentage.
Best Rhode Island Car Insurance Company Ratings
Amica
Best Overall in Rhode Island
MoneyGeek Rating
4.8/ 5
4.9/5Affordability
5/5Customer Experience
3.4/5Coverage Points
Rates from $102/month
Average Monthly Full Coverage Rate
$102Average Monthly Minimum Coverage Rate
$93J.D. Power Auto Insurance Study Score
735
Travelers
Best Value Runner-Up
MoneyGeek Rating
4.5/ 5
4.7/5Affordability
4.5/5Customer Experience
3.7/5Coverage Points
Rates from $99/month
Average Monthly Full Coverage Rate
$99Average Monthly Minimum Coverage Rate
$84J.D. Power Auto Insurance Study Score
622
State Farm
Best for DUI Drivers
MoneyGeek Rating
4.4/ 5
5/5Affordability
3.9/5Customer Experience
2.5/5Coverage Points
Rates from $89/month
Average Monthly Full Coverage Rate
$89Average Monthly Minimum Coverage Rate
$66J.D. Power Auto Insurance Study Score
634
Quincy Insurance
Best Rate Value in Rhode Island
MoneyGeek Rating
4.2/ 5
4.7/5Affordability
3.6/5Customer Experience
3.7/5Coverage Points
Rates from $85/month
Average Monthly Full Coverage Rate
$85Average Monthly Minimum Coverage Rate
$63J.D. Power Auto Insurance Study Score
Not Rated
Progressive
Best Coverage Options in Rhode Island
MoneyGeek Rating
4.0/ 5
3.9/5Affordability
4/5Customer Experience
4.8/5Coverage Points
Rates from $151/month
Average Monthly Full Coverage Rate
$151Average Monthly Minimum Coverage Rate
$120J.D. Power Auto Insurance Study Score
582
Rates at Rhode Island's Best Car Insurance Companies
Rhode Island rates vary by carrier. The difference between the cheapest (Quincy) and most expensive (Progressive) top-five options is $66/month for full coverage.
Quincy Insurance | $85 | $63 | -37% |
State Farm | $89 | $66 | -34% |
Travelers | $99 | $84 | -26% |
Amica | $102 | $93 | -24% |
Progressive | $151 | $120 | +13% |
Rhode Island State Average | $134 | $114 | — |
National Average | $216 | $61 | — |
Rhode Island's full coverage state average of $134/month is below the national average of $216, while minimum coverage averages $114/month against a $61/month national figure.
The cheapest full coverage option among the top five, Quincy at $85/month, is $49/month below the state average or a $588 annual savings opportunity relative to the state norm. You can use the Rhode Island car insurance calculator to estimate personalized rates based on your driver profile.
Coverage Options at Rhode Island's Best Car Insurance Companies
Rhode Island requires 25/50/25 liability coverage: $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage. The state operates under an at-fault tort system and does not mandate PIP.
Bodily injury liability | ✓ | ✓ | ✓ | ✓ | ✓ |
Property damage liability | ✓ | ✓ | ✓ | ✓ | ✓ |
Comprehensive | ✓ | ✓ | ✓ | ✓ | ✓ |
Collision | ✓ | ✓ | ✓ | ✓ | ✓ |
Uninsured/underinsured motorist | ✓ | ✓ | ✓ | ✓ | ✓ |
Medical payments (MedPay)* | ✓ | ✓ | ✓ | ✓ | ✓ |
Roadside assistance | ✓ | ✓ | ✓ | ✓ | ✓ |
Rental reimbursement | ✓ | ✓ | ✓ | ✓ | ✓ |
Accident forgiveness | — | ✓ | — | — | ✓ |
New car replacement | — | ✓ | — | — | ✓ |
Rideshare coverage | — | — | — | — | ✓ |
Gap insurance | — | — | — | — | ✓ |
Custom parts coverage | — | — | — | — | ✓ |
Coverage total | 7/13 | 9/13 | 7/13 | 7/13 | 12/13 |
Comprehensive coverage is available from all five top Rhode Island carriers as an add-on to liability-only policies. In Rhode Island, this can be valuable given urban vehicle density in Providence, Pawtucket, and Cranston, where theft and vandalism claims are more frequent than in rural areas.
Every insurer must offer uninsured motorist coverage on every policy. But it becomes mandatory only when the insured elects bodily injury limits above the 25/50 state minimum. Insurers must also offer UM Property Damage at a $25,000 minimum. All five top Rhode Island carriers offer UM/UIM. With Rhode Island's 12.4% uninsured rate, higher than most New England areas, UM/UIM is worth adding even when optional.
Collision coverage is also available across all five carriers and pairs with UM/UIM to provide more complete financial protection against at-fault and uninsured-driver scenarios.
Medical payments coverage is offered across the top five. Because Rhode Island does not require PIP, MedPay is the primary first-party medical option for drivers in the state.
Progressive is the only top-five carrier in Rhode Island offering a rideshare endorsement for Uber and Lyft drivers. It covers the period when a driver is logged into the app but has not yet accepted a ride. This fills the coverage gap between personal auto policies and TNC company coverage.
How to Use These Rankings to Find Your Best Rhode Island Carrier
Your best Rhode Island carrier depends on your situation. Use the decision points below to match your profile to the right pick.
Price is your top priorityQuincy is the cheapest option among Rhode Island's top-ranked carriers, with full coverage at $85/month, 37% below the state average. Minimum coverage is $63/month. Drivers comparing low-cost options across more carriers can find a full breakdown of the cheapest car insurance in Rhode Island.
You want the best Rhode Island claims experienceAmica scores 735 in J.D. Power's 2025 U.S. Auto Insurance Study, 110 points above the 625 regional average and the highest among Rhode Island's top-ranked carriers. The next closest rated carrier in the top five is State Farm at 634.
- Coverage and price both matter for you
Amica's 4.79/5 MoneyGeek score is first in Rhode Island. Full coverage is $102/month, its customer experience score is 5/5, and its coverage score is 3.37/5. No other top-five carrier scores higher on both price and customer experience.
There's a young driver in your householdState Farm is the most affordable option for young drivers in Rhode Island, averaging $210/month for full coverage. Bundling home and auto insurance can further reduce costs. Compare the best home and auto bundle in Rhode Island to find bundle-specific savings.
Your record has a DUI or violationState Farm's full coverage rate for Rhode Island drivers with a DUI is $89/month, the lowest among the top five for that profile. Rhode Island requires an SR-22 filing with the RI DMV after a DUI conviction under RIGL Section 31-27-2. Drivers who need filing details and rates across more carriers can review SR-22 car insurance in Rhode Island.
You live in Providence or another major Rhode Island cityProvidence is the primary urban factor for Rhode Island's rate variation. As the smallest U.S. state by area, Rhode Island's urban density is concentrated in Providence, where drivers pay the highest rates in the state. Other major cities, including Warwick, Cranston, Pawtucket, East Providence, Woonsocket, Coventry, North Providence, Cumberland, and West Warwick, follow similar urban pricing patterns. Our cheapest car insurance in Providence guide shows city-specific rate data.
Best Rhode Island Car Insurance: FAQ
What is the minimum car insurance required in Rhode Island?
Rhode Island requires 25/50/25 liability coverage per RIGL Section 31-47-2: $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 property damage liability. Rhode Island does not require PIP. Every insurer must offer UM/UIM bodily injury on every policy, but UM/UIM becomes mandatory only when the insured elects BI limits above the 25/50 minimum. For minimum-limits policies, UM/UIM is optional and can be rejected in writing. Insurers must also offer UM Property Damage at a $25,000 minimum.
What happens if I drive without insurance in Rhode Island?
Per RIGL Section 31-47-9(a), penalties are graduated. A first offense carries a $100 to $500 fine and a mandatory three-month license and registration suspension. A second offense results in a $500 fine and a six-month suspension. A third offense causes a $1,000 fine and up to a one-year suspension. Drivers must also provide insurance information at vehicle registration and keep coverage active throughout the registration period.
Why is Amica Mutual considered the top carrier in Rhode Island?
Amica Mutual Insurance is headquartered in Lincoln, Rhode Island, the only top-five carrier based in the state. It has a deep Rhode Island market presence and consistently gets high customer satisfaction scores. In J.D. Power's 2025 U.S. Auto Insurance Study, Amica scores 735, 110 points above the 625 regional average and 101 points above State Farm, the next-highest rated carrier among the top five. Its 4.79/5 MoneyGeek score is first in Rhode Island.
What is pure comparative negligence and how does it affect my Rhode Island claim?
Per RIGL Section 9-20-4, Rhode Island follows pure comparative negligence. An injured plaintiff can recover damages even if 99% at fault, with the award reduced by their percentage of fault. Rhode Island is the only New England state using this rule; Massachusetts, Maine, New Hampshire and Connecticut all use modified comparative negligence with a 51% bar.
In a mixed-fault collision claim, Rhode Island drivers can still recover proportionally even when their share of fault is large.
Is UM/UIM coverage actually required in Rhode Island?
Every Rhode Island auto insurer must offer uninsured motorist coverage on every policy, but it becomes mandatory only when the insured buys bodily injury coverage above the state minimum. At minimum limits, UM/UIM is optional and can be rejected in writing. Insurers must also offer UM Property Damage with a minimum limit of $25,000.
What is the SR-22 process in Rhode Island after a DUI?
A Rhode Island DUI conviction requires an SR-22 filing. This is filed by your insurer with the Rhode Island Division of Motor Vehicles as proof of financial responsibility. First-offense penalties for BAC between .08 and .10 include a $100 to $300 fine, 10 to 60 hours of community service, a 30 to 180-day license suspension and a $500 highway safety assessment fee. A third or subsequent offense within 10 years is a felony carrying mandatory 3-5 years imprisonment when BAC is .15 or higher.
Sources
- AM Best. "Ratings Services." Accessed June 2025.
- Insurance Information Institute (III). "Facts + Statistics: Uninsured Motorists." Accessed 2026.
- J.D. Power. "2025 U.S. Auto Insurance Study." Accessed 2026.
- J.D. Power. "2025 U.S. Auto Claims Satisfaction Study." Accessed 2026.
- State of Rhode Island Division of Motor Vehicles. "Penalties." Accessed 2026.
- State of Rhode Island General Assembly. “Rhode Island General Laws Section 31-47 Motor Vehicle Reparations Act.” Accessed 2026
- State of Rhode Island General Assembly. “Rhode Island General Laws Section 9-20-4. Comparative Negligence.” Accessed 2026
For the complete breakdown of MoneyGeek's scoring weights and rate baseline construction, see our full auto insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.