State Farm provides the best full coverage and minimum coverage car insurance in Rhode Island. Seniors and drivers with offenses may also find it's a good fit.
In terms of customer service, Amica Mutual takes the lead. It is also the best provider for young adults. Those with new cars may fare better with Travelers. If you're a military member, USAA may suit you best.
To help people save money on their auto insurance, MoneyGeek researched the cheapest auto insurance rates in Rhode Island.
Best Car Insurance in Rhode Island








Best Overall for Car Insurance in Rhode Island
Overall, the best car insurance in Rhode Island is State Farm. Here's how it compares with the second-highest-scored company:
- State Farm: MoneyGeek score of 90 out of 100 ($700 per year)
- Amica Mutual: MoneyGeek score of 89 out of 100 ($1,072 per year)
State Farm provides the finest blend of pricing and financial stability, outperforming seven top rivals. We also identified insurance companies with the most affordable full-coverage vehicle insurance in Rhode Island if you're keener on saving money.

State Farm came out on top among the eight providers for its high customer satisfaction levels and its cost-effective insurance options. It’s the cheapest insurer, with an average yearly premium of $700 for full coverage insurance.
Like many insurers, it offers roadside assistance coverage.
State Farm's limited coverage options may throw a wrench into the company being your default choice.
State Farm's most unique offering is rideshare, offering drivers coverage if they're involved in an accident while driving for Uber, Lyft, or any similar company. In addition, the ridesharing policy covers drivers even when they aren't actively giving a ride to a passenger or en route to one. It includes coverage for physical damage to the driver's car, liability claims and medical costs.
Drivers can use this policy with their own personal auto insurance policies, which could help cut premiums.
The company also offers roadside assistance and rental car and travel reimbursement. These can be helpful when they get you back on the road after your car breaks down or save you money on lodging, meals and transportation.

State Farm came out on top among the eight providers for its high customer satisfaction levels and its cost-effective insurance options. It’s the cheapest insurer, with an average yearly premium of $700 for full coverage insurance.
Like many insurers, it offers roadside assistance coverage.
State Farm's limited coverage options may throw a wrench into the company being your default choice.
State Farm's most unique offering is rideshare, offering drivers coverage if they're involved in an accident while driving for Uber, Lyft, or any similar company. In addition, the ridesharing policy covers drivers even when they aren't actively giving a ride to a passenger or en route to one. It includes coverage for physical damage to the driver's car, liability claims and medical costs.
Drivers can use this policy with their own personal auto insurance policies, which could help cut premiums.
The company also offers roadside assistance and rental car and travel reimbursement. These can be helpful when they get you back on the road after your car breaks down or save you money on lodging, meals and transportation.

Amica Mutual is the second-best choice because of its excellent customer service and wide coverage options. The average cost for a full coverage policy with this insurer is about $1,072 per year, which is the fourth cheapest among competitors.
Amica Mutual offers two types of glass coverage: comprehensive and full glass coverage. The most important difference between comprehensive and full glass coverage is that the deductible for glass claims may be waived with full glass coverage. With comprehensive coverage, the deductible is always in place, meaning Amica pays for what it needs to. You pay the rest out of pocket.
Amica also offers identity theft insurance. If someone steals your identity and commits fraud, this policy reimburses you for some of the money you spend cleaning up the mess. This includes legal fees, notary costs and lost wages. It may also help you with credit report monitoring and credit restoration services.

Amica Mutual is the second-best choice because of its excellent customer service and wide coverage options. The average cost for a full coverage policy with this insurer is about $1,072 per year, which is the fourth cheapest among competitors.
Amica Mutual offers two types of glass coverage: comprehensive and full glass coverage. The most important difference between comprehensive and full glass coverage is that the deductible for glass claims may be waived with full glass coverage. With comprehensive coverage, the deductible is always in place, meaning Amica pays for what it needs to. You pay the rest out of pocket.
Amica also offers identity theft insurance. If someone steals your identity and commits fraud, this policy reimburses you for some of the money you spend cleaning up the mess. This includes legal fees, notary costs and lost wages. It may also help you with credit report monitoring and credit restoration services.
How the Best Insurers in Rhode Island Rank: MoneyGeek Scores and Costs
Our analysis of eight Rhode Island insurance companies revealed that State Farm trumps its rivals by offering top-notch customer support and cheap rates. Amica Mutual, which scores highest in customer satisfaction, came in second.
If you want a larger selection of coverages or have specific needs, you may find Amica works for you.
Insurers can only be rated by MoneyGeek if we have enough data for all scoring components.
Best Car Insurance in Rhode Island for Customer Service
The best Rhode Island car insurance company for customer service is Amica Mutual.
The top companies in this category are:
- Amica Mutual: MoneyGeek score of 91 out of 100 ($1,072 per year)
- American Family: MoneyGeek score of 89 out of 100 ($1,010 per year)
Amica excels in coverage and claims management, putting it at the top of this list. This is crucial if you like being prepared for when things go sideways. Its annual premium may not be the cheapest, but it could be a reasonable trade-off for high customer satisfaction.

pros
Ranked number 2 on customer satisfaction out of 11 insurers.
Ranked number 1 for claims management out of 11 insurers.
Offers original equipment manufacturer (OEM) coverage, useful for most drivers.
cons
Doesn’t offer deductible modification and mechanical breakdown insurance
COMPANY HIGHLIGHTS
Amica Mutual combines value and quality service, scoring the highest in customer satisfaction and low in its number of complaints. In addition, it strives to offer coverages that help clients secure their financial futures.
For example, its identity theft coverage reimburses up to $15,000 to help resolve problems arising from fraudulent use of your name.
It also offers full glass coverage.
Amica's rental car reimbursement may be a great addition to your policy. This comes in handy if your car isn't drivable or is in the shop. Amica gives you up to $5,000 in coverage.
What Makes an Insurer the Best for Customer Service?
Good customer service is key to happy customers and new clients. The price, coverage, and ease of filing a claim all matter. But, it's nice to know people are ready to help when you're in a less-than-ideal circumstance.
Our top pick, Amica Mutual, scored the highest on the J.D. Power 2022 U.S. Auto Claims Satisfaction Study . It also ranked 11th in Crash Network’s top insurers for 2022.
Best Car Insurance in Rhode Island for Minimum Coverage
Based on the cost and quality of policies that meet Rhode Island's requirements, State Farm is the best car insurance company for minimum coverage. The companies that came out on top are:
- State Farm: MoneyGeek score of 91 out of 100 ($344 per year)
- American Family: MoneyGeek score of 90 out of 100 ($394 per year)
State Farm offers a mix of low rates and excellent customer service.
Rhode Island’s cheapest minimum coverage policies offer the least liability protection. They also don't cover damages to your vehicle.

pros
Minimum coverage policy only costs about $344 per year
High scores in pricing and customer satisfaction
cons
No discounts in Rhode Island
Limited coverages
COMPANY HIGHLIGHTS
State Farm received high scores in affordability and customer happiness, making it popular among many people looking for opportunities to save without sacrificing much quality.
Interactions between insurance companies and consumers are often challenging and confusing. State Farm can make communication easier with its user-friendly website and agents always available to help you.
As of writing, State Farm doesn't offer discounts in Rhode Island. Check back with its agents in the future to see if this changes.
What Makes an Insurer the Best for Minimum Coverage?
Ideally, you should have enough coverage when it comes to car insurance. That’s why it's important to look into what your state requires, then consider the trade-offs between cost and coverage.
According to our research, a good place to start is with State Farm. It can work within your state's guidelines but offer the lowest rates possible and top-notch customer services.
Best Car Insurance in Rhode Island for Young Adults
Amica Mutual offers the best car insurance in Rhode Island, as found by MoneyGeek’s analysis. It was evaluated on the quality of its policies and affordability. It excelled in satisfaction and coverage.
- Amica Mutual: MoneyGeek score of 90 out of 100 ($1,163 per year)
- State Farm: MoneyGeek score of 90 out of 100 ($862 per year)
Young drivers need to find full coverage insurance with a good price point. However, drivers in their 20s can enjoy comparatively cheaper rates than teenage drivers.
Scouring the market for different deals and providers is a great way to find cheap car insurance for young drivers in Rhode Island.

pros
Ranked number 3 in affordability, at around $1,163 per year
Ranked number 1 in satisfaction
Extensive coverage options
cons
Satisfactory claims performance
Not the most affordable
COMPANY HIGHLIGHTS
Amica Mutual triumphs over its competitors in satisfaction and coverage options. This can be great news for young people who need help in avoiding the stress of having to jump through hoops to get sufficient coverage for their needs.
The company also offers discounts that make coverage within reach, specifically for people who may be just beginning to keep their finances in check. This includes taking a driving education and remaining claim-free for a set period of time. This incentivizes good driving habits and encourages drivers to be more cautious on the road.
Amica’s coverage options can also benefit inexperienced drivers. For example, Amica offers accident forgiveness, which means that a policyholder's rates will not increase after their first at-fault accident. This can be a significant relief for those who may not have the experience or confidence behind the wheel yet.
What Makes an Insurer the Best for Young Adults?
A good insurance company should provide young drivers good rates, coverage and service.
Car insurance policies should fit seamlessly with a customer’s lifestyle. Amica Mutual offers affordable, dedicated service and strong features such as roadside assistance, resulting in higher customer satisfaction. These factors show Amica's quality service for young adult drivers in Rhode Island.
Best Car Insurance in Rhode Island for Seniors
State Farm provides the best car insurance plan for senior drivers in Rhode Island.
These companies rank the highest for senior drivers:
- State Farm: MoneyGeek score of 90 out of 100 ($712 per year)
- Travelers: MoneyGeek score of 87 out of 100($872 per year)
Coverage and satisfaction are two areas where State Farm did great. The top-rated insurer is best known for its affordability and reliability, which may make it great for older or retired drivers.
Rates for this driver profile are typically more expensive, but shopping around can help drivers secure cheap car insurance for seniors in Rhode Island.

pros
Ranked number 1 in affordability, at around $712 per year
Ranked number 2 in satisfaction
24-hour emergency roadside service
Car rental and/or travel costs reimbursement
cons
Limited coverages
Low rating for claims
COMPANY HIGHLIGHTS
MoneyGeek evaluated providers based on policy quality, affordability and customer satisfaction. State Farm excelled in these areas. In addition, the provider offers features to help senior drivers in Rhode Island stay on top of their travel needs.
For example, State Farm has round-the-clock roadside assistance to help senior drivers get back on the road faster.
If you need to rent a car when yours is getting repaired, State Farm's rental car or travel costs reimbursement may be an excellent way to keep your expenses down.
What Makes an Insurer the Best for Seniors?
After decades behind the wheel, seniors are generally considered safe drivers. This may result in lower coverage costs.
Opting for a full coverage policy with personal injury protection from providers like State Farm can be great for seniors who wish to have another layer of protection.
Best Car Insurance in Rhode Island for Drivers With Offenses
Drivers with different types of tickets and accidents on their records may find that State Farm is the best choice.
These recommendations are based on affordability and service ratings:
- State Farm: MoneyGeek score of 90 out of 100 ($700 per year)
- American Family: MoneyGeek score of 88 out of 100 ($1,356 per year)
State Farm is the cheapest provider and ranked first in customer satisfaction for drivers with offenses, beating out eight competitors.
On average, Rhode Island residents pay an additional $370 in car insurance premiums after a speeding ticket, $38 after an at-fault accident and $1,120 after a DUI.
If you need the cheapest car insurance after a driving incident in Rhode Island, you may be able to save by comparing rates.

pros
Ranked number 1 in affordability, at around $700 per year
Ranked number 1 in customer satisfaction
Has roadside assistance
Has rental and/or travel reimbursement
cons
Low claims score
Few coverage options
Doesn’t offer accident forgiveness or new car replacement/better car replacement
COMPANY HIGHLIGHTS
If you're a Rhode Island driver who has made a few mistakes on the roadway, you might have to pay more for car insurance. Fortunately, State Farm may be a safe option, offering the cheapest full coverage premiums and excellent customer service.
State Farm's 24-hour roadside assistance has you covered for towing, fuel delivery, locksmiths and tire changes. It also provides rental car coverage if you need a ride when your car is not in its best shape.
That said, State Farm has some blind spots. For example, it doesn’t provide accident forgiveness and new/better car replacement coverage.
What Makes an Insurer the Best for Drivers With Offenses?
You may have trouble finding a good and affordable insurance company if you have a bad driving record.
A strong insurance company for high-risk drivers should charge lower premiums and offer discounts and features that can help mitigate the impact of past mistakes. State Farm strives to be this kind of insurer in Rhode Island.
Best Car Insurance in Rhode Island for Drivers With New Cars
Travelers is our top insurance recommendation for Rhode Island drivers with new cars. We rated insurers on affordability and service quality for drivers with a 2022 model car in Rhode Island. We also limited our list to insurers with new car replacement or better car replacement coverage.
These were our top picks:
- Travelers: MoneyGeek score of 89 out of 100 ($1,203 per year)
- Allstate: MoneyGeek score of 74 out of 100 ($1,684 per year)
Travelers and Allstate were neck-and-neck in coverage options, claims management and customer satisfaction. However, Travelers' affordability makes it Rhode Island's winner for new car insurance.
If your new car is totaled within the first five years of ownership, Travelers’ new car replacement coverage could buy you a new vehicle of the same make and model.

pros
Ranked number 1 in affordability, at around $1,203 per year
Good coverage options and customer satisfaction
Offers new car replacement
cons
Low claims performance
COMPANY HIGHLIGHTS
Travelers is MoneyGeek's top insurer for new car owners, despite not having a stellar record at handling claims. Travelers compensates for this by scoring well on affordability and customer satisfaction.
In Rhode Island, Travelers auto insurance offers a new car replacement feature called Premier New Car Replacement. So, if your car is totaled in an accident, Travelers may quickly get you back on the road.
To qualify, you need Comprehensive and Collision coverage.
What Makes an Insurer the Best for Drivers With New Cars?
To ensure your shiny new ride doesn't become a headache, getting the right insurance coverage is important. A good insurer with new car replacement coverage can get you a replacement vehicle in case your car is totaled — without much hassle.
Travelers' reputation in this area speaks for itself.
Only companies offering new/better car replacements qualified for this list.
Best Car Insurance in Rhode Island for Military Drivers
With a MoneyGeek score of 94 out of 100, USAA scored the highest in our ranking of the best car insurance companies for military members in Rhode Island. On average, it costs $715 annually, making it the second cheapest insurer.
USAA’s policies and coverages are designed to meet the needs of military personnel and their families.

pros
Ranked number 2 in affordability, at around $715 per year
Ranked number 1 in customer satisfaction
Has accident forgiveness
cons
Claims service and coverage options fall short of industry standards
Doesn’t offer new car replacement or gap insurance
COMPANY HIGHLIGHTS
USAA’s full coverage auto policies are among the cheapest in Rhode Island, second to State Farm. It’s also the best in customer service.
Policyholders can purchase accident forgiveness to avoid a future rate increase after their first accident if they've kept their driving record clean for five years.
Another thing setting USAA apart is its focus on military members and their families. It offers discounts to help its customers. For instance, if you live in an area where it's difficult to find free parking or you prefer the convenience of having a parking pass, this might be a great choice for you.
How to Find the Best Car Insurance in Rhode Island for You
Regardless of where you live, you want to balance cost, service reputation and financial stability to ensure your car insurance fits your needs as a driver.
This MoneyGeek guide offers insight that can help you pick an ideal provider. Still, there are other things you can do to supplement your decision-making process.
Research customer service reputations in Rhode Island
MoneyGeek crunched a lot of numbers and analyzed information on many Rhode Island auto insurance providers.
Consumers wanting more data to help point them to the best provider for their needs can refer to the NAIC-compliant ratios and Rhode Island's Insurance Information Institute. These resources offer information on how well companies care for their policyholders.
Compare quotes
Auto insurance costs can vary from one company to another and from one state to another. Get quotes from at least three companies before deciding what’s right for you.
Information in this guide comes from averages and may not reflect what insurance providers offer every driver.
Find the coverages you want in Rhode Island
Coverages and discounts from insurance companies vary from state to state. Drivers who prioritize having a certain coverage are encouraged to talk to a representative and confirm whether it's available in Rhode Island. This can help ensure you get the protection you want from your auto insurance.
Check financial stability ratings
When buying an insurance policy, financial strength is important. The higher a company’s credit rating, the safer the investment.
Check an insurer’s financial strength rating before choosing one to go with. Even if an insurer has low rates, they may not be financially safe and could go out of business.
Compare Insurance Rates
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
FAQs About the Best Car Insurance in Rhode Island
It's important to consider your needs when finding the best car insurance for you in Rhode Island. These are some common questions people have.
About Mark Fitzpatrick

sources
- Amica Mutual. "Auto Glass Coverage." Accessed January 29, 2023.
- Amica Mutual. "Identity Fraud Insurance." Accessed March 29, 2023.
- Amica Mutual. "Platinum Choice Auto." Accessed January 29, 2023.
- State Farm. "24 Hour Emergency Roadside Service." Accessed January 29, 2023.
- State Farm. "Auto Insurance Discounts in Rhode Island." Accessed January 29, 2023.
- State Farm. "What is Rideshare Coverage?." Accessed January 29, 2023.
- Travelers. "New Car Replacement Coverage." Accessed January 29, 2023.