Cheapest Car Insurance in Providence, RI (2025)

Providence drivers pay an average of $1,176 per year for minimum coverage and $2,088 per year for full coverage. Comparison shopping gives you confidence that you're getting the lowest rates.

• Cheapest minimum liability coverage: State Farm offers Providence's most affordable minimum coverage at $657 per year ($55 monthly). That's 44% lower than the city average of $1,176, saving you $519 annually. Amica ranks second for minimum coverage at $726 per year ($61 monthly), a 38% savings compared to the city average.
• Cheapest full coverage: State Farm provides the lowest full coverage at $1,330 annually ($111 monthly), which is36% below the city average of $2,088. That's $758 in annual savings. Travelers offers full coverage at $1,479 per year ($123 monthly), still 29% below the city average but $149 more than State Farm annually.

Car insurance costs vary dramatically by age in Providence, with younger drivers facing the highest premiums. Here are the most affordable options by age group:

• Adults: State Farm leads at $55 monthly, followed by Amica at $60
• Seniors: State Farm remains cheapest at $58 monthly, with Amica at $77
• Young drivers: State Farm offers the best rate at $129 monthly, while Allstate comes in at $184

State Farm helps young drivers reduce costs through its Steer Clear program, which uses a mobile app to track safe driving habits and can cut premiums by up to 15%. Seniors can benefit from Allstate's Drivewise program, earning up to 20% savings for safe driving behaviors.

You can find cheaper coverage in Providence with the insurers that have the lowest rate penalty for your violation. Here are your cheapest car insurance options in Providence by violation type:

• Accident: State Farm at $54 and Amica at $60 monthly
• Ticket: State Farm at $54 and Amica at $78 monthly
• DUI: State Farm at $54 and Travelers at $117 monthly

In Rhode Island, minor violations stay on your record for three years before rates start decreasing.

Providence drivers see different car insurance costs depending on their neighborhood. Full coverage ranges from $155 monthly in ZIP code 02912 to $208 monthly in 02905.

Amica earned 94 out of 100 on MoneyGeek's rating scale, securing its position as Providence's top car insurance provider. Travelers follows closely with a score of 92 out of 100, making both companies excellent choices for Rhode Island residents.

Amica dominates in customer service and claims satisfaction, with our evaluation drawing from agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and comprehensive customer reviews. The company also ranks second for affordability among local providers.

Travelers maintains its strong second-place position through balanced performance across all categories, earning high marks for the number of standard and specialty coverages available, plus unique add-ons. Both insurers demonstrate solid financial stability ratings.

See below for why each insurer excels and which fits your needs.

Providence drivers experience some of Rhode Island's highest car insurance premiums. Shop around, reduce your costs and select appropriate coverage:

Our experts answer questions about finding affordable auto coverage in Rhode Island:

We analyzed hundreds of thousands of quotes from major insurers using data from the Rhode Island Department of Insurance and Quadrant Information Services. Our research covered all Providence ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Rhode Island's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing hurricane damage claims or handling auto theft reports.

Coverage options (10%): More choices mean better odds of matching coverage to Providence risks like flood damage, uninsured motorists and theft in high-crime areas.