Rhode Island Car Insurance Quotes: Compare Progressive, GEICO and More

Progressive, GEICO and Amica Mutual have the highest market share for auto insurance in Rhode Island. MoneyGeek collected quotes from those three providers plus other popular auto insurers in Rhode Island to determine car insurance rate averages and how factors like driving profile (e.g., with or without a speeding ticket), age and credit score affect costs.

For drivers seeking to purchase low-cost insurance, read MoneyGeek’s cheap car insurance in Rhode Island guide. For a state car insurance quotes comparison from MoneyGeek, check out our average cost of car insurance in Rhode Island guide that considers various factors, although the quotes in this research do not include potential insurer discounts.

MoneyGeek collected thousands of car insurance quotes in Rhode Island. Toggle your driver characteristics to personalize quotes for a better estimate of your rates.

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Compare Rhode Island Car Insurance Quotes

Compare Progressive Car Insurance Quote - Progressive

Compare GEICO Car Insurance Quote - GEICO

Compare Amica Mutual Car Insurance Quote - Amica Mutual

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Progressive auto insurance costs an average of $1,742 per year in Rhode Island.

The most affordable quote from Progressive — around $854 per year — applies to a state minimum car insurance policy for a 40-year-old driving an SUV with a clean record and an excellent credit score.

Contrarily, the highest-priced quote is for a 20-year-old luxury sedan driver with full coverage, a poor credit score and an accident on their record. The policy costs an average of $17,308 per year.

You can compare state minimum and full coverage car insurance rates for characteristics that fit your profile in the table below.

Progressive Car Insurance Quotes in Rhode Island

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• Coverage Level
  Progressive Average Annual Quote
• State Minimum Liability
  $1,053
• 100/300/100 Comprehensive/Collision
  $1,795

In Rhode Island, car insurance from GEICO costs, on average, $2,105 per year.

The cheapest quote of around $919 annually is for a state minimum insurance policy for a 40-year-old SUV driver with a clean record and an excellent credit score.

The priciest car insurance quote in Rhode Island from GEICO costs about $29,331 per year. It applies to a 20-year-old luxury sedan driver with full coverage, a DUI on their record and a poor credit score.

Find the characteristics that match your driving profile in the table below to compare rates between state minimum and full coverage car insurance from GEICO.

GEICO Car Insurance Quotes in Rhode Island

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• Coverage Level
  GEICO Average Annual Quote
• State Minimum Liability
  $1,133
• 100/300/100 Comprehensive/Collision
  $2,169

A car insurance policy from Amica Mutual costs approximately $1,429 annually in Rhode Island.

The lowest-priced quote of roughly $582 per year from Amica Mutual is for a 40-year-old driving an SUV with a state minimum coverage policy, clean driving record and excellent credit score.

Meanwhile, the most expensive insurance quote in Rhode Island from Amica Mutual costs roughly $22,137 annually. The policy is for a 20-year-old driving a luxury sedan with full coverage car insurance, a DUI and poor credit.

You can compare the rates between state minimum and full coverage car insurance by finding the details that match your driving profile in the following table.

Amica Mutual Car Insurance Quotes in Rhode Island

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• Coverage Level
  Amica Mutual Average Annual Quote
• State Minimum Liability
  $718
• 100/300/100 Comprehensive/Collision
  $1,472

In Rhode Island, car insurance from Allstate costs an average of $1,895 per year.

The cheapest car insurance quote in Rhode Island from Allstate is for a state minimum insurance policy, costing about $848 per year, for a 40-year-old driving an SUV with a clean record and an excellent credit score.

The most expensive quote in Rhode Island from Allstate belongs to a 20-year-old luxury sedan driver with full coverage insurance, a poor credit score and a DUI on their record, costing approximately $12,517 per year.

You can select characteristics that match your driving record in the table below to compare the cost of a state minimum policy against a full coverage insurance policy.

Allstate Car Insurance Quotes in Rhode Island

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• Coverage Level
  Allstate Average Annual Quote
• State Minimum Liability
  $1,046
• 100/300/100 Comprehensive/Collision
  $1,953

In Rhode Island, auto insurance from USAA costs an average of $899 per year, but it’s only available to military members or veterans.

The cheapest auto policy from USAA costs about $367 annually. The policy is for a 40-year-old SUV driver with state minimum coverage, an excellent credit score and good driving history.

The highest-priced quote from USAA is for a full coverage policy for a 20-year-old driver with a DUI and a poor credit score, costing an average of $9,287 per year.

To compare costs for state minimum and full coverage car insurance policies in Rhode Island, find the details that match your profile in the table below.

USAA Car Insurance Quotes in Rhode Island

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• Coverage Level
  USAA Average Annual Quote
• State Minimum Liability
  $452
• 100/300/100 Comprehensive/Collision
  $926

The average cost of a car insurance policy from Nationwide in Rhode Island is $2,121 per year.

The lowest quoted price for auto insurance from Nationwide is for a 40-year-old SUV driver with a state minimum insurance policy, an excellent credit score and a clean driving record, costing about $1,173 per year.

Full coverage car insurance for a 20-year-old luxury sedan driver with a poor credit score and a DUI on their record is the priciest, costing an average of $15,394 per year.

You can use the following table to compare Nationwide rates for state minimum and full coverage car insurance policies according to characteristics that match your profile.

Nationwide Car Insurance Quotes in Rhode Island

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• Coverage Level
  Nationwide Average Annual Quote
• State Minimum Liability
  $1,446
• 100/300/100 Comprehensive/Collision
  $2,186

Travelers auto insurance, on average, costs $1,443 per year in Rhode Island.

The cheapest quoted policy from Travelers costs approximately $804 annually and applies to a 40-year-old SUV driver with state minimum coverage, a clean driving record and an excellent credit score.

Conversely, the priciest quote from Travelers is around $10,779 per year for a 20-year-old driving a luxury sedan with full coverage car insurance, a poor credit score and a DUI on their record.

Using the table below, you can select attributes that match your profile to compare rates for a state minimum policy and full coverage car insurance from Travelers.

Travelers Car Insurance Quotes in Rhode Island

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• Coverage Level
  Travelers Average Annual Quote
• State Minimum Liability
  $991
• 100/300/100 Comprehensive/Collision
  $1,487

You can determine how much your car insurance is likely to cost in Rhode Island in several ways; one way is by estimating the premium, whether through your research or MoneyGeek’s. While the average costs above in MoneyGeek’s study can give you an idea of what you might pay for your policy, you can also use our car insurance calculator for Rhode Island to get more accurate prices.

You can also get binding quotes from car insurance companies if you wish to get real prices, although this may be time-consuming.

Auto Insurance Calculator

State

Rhode Island

Age

30-65

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female

Add Student Driver

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

State Farm

$437

2.

USAA

$466

3.

Amica Mutual

$709

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You can obtain car insurance quotes in Rhode Island online via the insurer’s website or through insurance agents or brokers. To get a car insurance quote, you provide personal information and vehicle details, plus specify the coverage amount you need.

MoneyGeek uncovered the time needed to complete the online quote process for each major car insurer in Rhode Island. Based on the findings, the companies that provide the fastest online quotes are Progressive, Allstate, Nationwide, Liberty Mutual and Travelers.

We also determined the insurers that do not provide online quotes — and any insurer that didn’t allow MoneyGeek to access their online tool is categorized as not having an online quote tool.

Progressive provides a tool on its website that drivers can use to get quotes for car insurance coverage. MoneyGeek got a quote for a sample driver, and the process took approximately two minutes. Once you receive the quote, you can change the coverage amounts to fit your needs and compare rates.

GEICO has an online quote tool, and MoneyGeek used it to collect a quote for a sample driver. Getting a quote with your estimated premium takes around three minutes. The tool allows you to get various discounts through bundling policies.

Amica Mutual provides an online tool that takes about three minutes to complete and get an estimate of your premium. When MoneyGeek used it for our sample driver, it allowed us to change coverage amounts and get a discount for certain characteristics, which you can do as well.

Allstate allows you to get a car insurance quote online in about two minutes with its tool. When gathering a quote for our sample driver, MoneyGeek found you can adjust coverage amounts and see price changes in real-time. You can also find various discounts for your driver profile.

USAA offers an online quote tool, but MoneyGeek was unable to use it to get a quote for a sample driver. We do know, though, that the tool does not allow you to change a standard policy’s coverage amounts, so you must speak to an agent to make any changes.

Liberty Mutual has an online quote tool and MoneyGeek established that the process takes about two minutes. The tool allows you to adjust your coverage levels and bundle your policies to save on premiums.

Nationwide has an online quote tool that takes around two minutes to complete and receive a quote. MoneyGeek obtained a quote for a sample driver and discovered the tool allows you to change your coverage amount and get a new rate right away.

Farmers has an online quote tool that allows you to get a cost estimate online. However, MoneyGeek was not able to obtain a quote for our Rhode Island sample driver.

MAPFRE provides a car insurance quote online for its customers. However, MoneyGeek was unable to receive a quote from the company for its sample driver in Rhode Island. You’ll need to reach out to a MAPFRE agent to get an estimate.

Travelers provides an online quote tool. MoneyGeek uncovered when obtaining a quote for our sample driver that to get a quote, it takes about two minutes. The tool does allow you to change your coverage amounts and bundle policies to save on costs.

Drivers can use various methods to secure free car insurance quotes in Rhode Island. The process takes a short amount of time, but to speed it up, MoneyGeek provides answers to commonly asked questions about getting auto insurance quotes in Rhode Island:

About the Author

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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.

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