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The cheapest car insurance will depend on your driver profile and needs. In Providence, we found that State Farm is the cheapest car insurance company for full coverage, drivers with violations, teens on a family policy, military drivers, young adults and seniors. Travelers offer the cheapest car insurance for drivers with bad credit.

Those looking to balance cost and service quality can look at MoneyGeek’s analysis of the best car insurance in Providence.

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2023

Cheapest Car Insurance in Providence, RI

Cheapest Minimum Coverage Car Insurance in Providence

MoneyGeek found the following companies offer the cheapest minimum coverage car insurance in Providence:

  • State Farm: $406 per year
  • Travelers: $498 per year

Nationwide offers the most expensive minimum coverage policy, costing an average of $1,182 annually.

As of October 2022, State Farm also has the cheapest car insurance in Rhode Island, at an average rate of $344, lower than its Providence rate. This difference illustrates how location can affect insurance costs.

Company
Annual Premium
Monthly Premium

State Farm

$406

$34

State Farm

$420

$35

Travelers

$474

$40

Travelers

$498

$41

State Farm

$499

$42

Travelers

$531

$44

American Family

$534

$44

Amica Mutual

$679

$57

American Family

$691

$58

American Family

$697

$58

Amica Mutual

$736

$61

State Farm

$797

$66

State Farm

$805

$67

Allstate

$818

$68

Allstate

$829

$69

Progressive

$849

$71

GEICO

$899

$75

GEICO

$899

$75

Amica Mutual

$935

$78

Allstate

$938

$78

State Farm

$977

$81

GEICO

$1,008

$84

Progressive

$1,015

$85

Progressive

$1,043

$87

Travelers

$1,089

$91

Travelers

$1,101

$92

Travelers

$1,131

$94

Nationwide

$1,145

$95

Nationwide

$1,182

$99

American Family

$1,223

$102

Amica Mutual

$1,375

$115

Allstate

$1,424

$119

American Family

$1,446

$120

Progressive

$1,460

$122

Nationwide

$1,490

$124

Amica Mutual

$1,492

$124

Allstate

$1,527

$127

Allstate

$1,596

$133

Nationwide

$1,610

$134

GEICO

$1,635

$136

GEICO

$1,635

$136

American Family

$1,639

$137

Progressive

$1,682

$140

Nationwide

$1,694

$141

GEICO

$1,827

$152

Progressive

$1,841

$153

Amica Mutual

$1,853

$154

Nationwide

$2,095

$175

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Based on Rhode Island law, a minimum coverage policy must cover bodily injury and property damage with the following limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

The coverage limits indicate how much the insurer will pay in case of an accident. For example, the maximum compensation for bodily injury is $25,000 per passenger and $50,000 per accident. This means the insurer will pay a maximum of $50,000 for passengers' medical bills, regardless of how many persons are injured. The maximum medical bill compensation per passenger is $25,000.

Cheapest Full Coverage Car Insurance in Providence

The following companies offer the cheapest full coverage policies in Providence:

  • State Farm: $797 per year
  • Travelers: $1,089 per year

Nationwide charges the highest full coverage rates, at $1,694 annually. As of October 2022, State Farm is also the most affordable car insurance option in Rhode Island, with an average rate of $700. Its Providence rates are higher, illustrating how location can affect insurance premiums.

Company
Annual Premium
Monthly Premium

State Farm

$406

$34

State Farm

$420

$35

Travelers

$474

$40

Travelers

$498

$41

State Farm

$499

$42

Travelers

$531

$44

American Family

$534

$44

Amica Mutual

$679

$57

American Family

$691

$58

American Family

$697

$58

Amica Mutual

$736

$61

State Farm

$797

$66

State Farm

$805

$67

Allstate

$818

$68

Allstate

$829

$69

Progressive

$849

$71

GEICO

$899

$75

GEICO

$899

$75

Amica Mutual

$935

$78

Allstate

$938

$78

State Farm

$977

$81

GEICO

$1,008

$84

Progressive

$1,015

$85

Progressive

$1,043

$87

Travelers

$1,089

$91

Travelers

$1,101

$92

Travelers

$1,131

$94

Nationwide

$1,145

$95

Nationwide

$1,182

$99

American Family

$1,223

$102

Amica Mutual

$1,375

$115

Allstate

$1,424

$119

American Family

$1,446

$120

Progressive

$1,460

$122

Nationwide

$1,490

$124

Amica Mutual

$1,492

$124

Allstate

$1,527

$127

Allstate

$1,596

$133

Nationwide

$1,610

$134

GEICO

$1,635

$136

GEICO

$1,635

$136

American Family

$1,639

$137

Progressive

$1,682

$140

Nationwide

$1,694

$141

GEICO

$1,827

$152

Progressive

$1,841

$153

Amica Mutual

$1,853

$154

Nationwide

$2,095

$175

A full coverage policy in Providence will include comprehensive and collision insurance.

  • Comprehensive Insurance: Pays for damage caused due to a non-accident incident, like theft, vandalism or weather events.
  • Collision Insurance: Pays for damage to your vehicle if you hit another car or stationary object.

Full coverage for older vehicles might not benefit you, as the overall insurance cost might exceed your vehicle’s value.

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Cheapest Car Insurance in Providence After a Driving Offense

The cheapest car insurance company for Providence drivers with violations on their records is:

  • Speeding ticket: State Farm ($797 per year)
  • At-fault accident: State Farm ($797 per year)
  • DUI: State Farm ($797 per year)

GEICO offers the most expensive rates for drivers with violations, charging an average of $1,826 per year after an at-fault accident, $5,150 after a DUI and $2,556 after a speeding ticket.

Your insurance rates will significantly go up after a driving violation. Even the rates from the cheapest insurer will be higher than for someone with a clean driving history.

Company
Annual Premium
Monthly Premium

State Farm

$406

$34

State Farm

$406

$34

State Farm

$406

$34

State Farm

$420

$35

State Farm

$420

$35

State Farm

$420

$35

State Farm

$499

$42

State Farm

$499

$42

State Farm

$499

$42

American Family

$534

$44

Travelers

$570

$48

Travelers

$580

$48

Travelers

$596

$50

Travelers

$629

$52

Travelers

$652

$54

Amica Mutual

$679

$57

Travelers

$683

$57

American Family

$691

$58

American Family

$697

$58

Travelers

$725

$60

Travelers

$725

$60

Amica Mutual

$736

$61

State Farm

$797

$66

State Farm

$797

$66

State Farm

$797

$66

State Farm

$805

$67

State Farm

$805

$67

State Farm

$805

$67

American Family

$813

$68

American Family

$814

$68

Allstate

$818

$68

Allstate

$829

$69

Travelers

$886

$74

Progressive

$893

$74

Amica Mutual

$900

$75

Amica Mutual

$935

$78

Allstate

$938

$78

Amica Mutual

$958

$80

State Farm

$977

$81

State Farm

$977

$81

State Farm

$977

$81

GEICO

$1,005

$84

GEICO

$1,005

$84

Allstate

$1,009

$84

Allstate

$1,021

$85

Progressive

$1,062

$89

Progressive

$1,068

$89

American Family

$1,075

$90

American Family

$1,076

$90

American Family

$1,084

$90

American Family

$1,085

$90

Progressive

$1,098

$92

GEICO

$1,126

$94

Allstate

$1,129

$94

Nationwide

$1,145

$95

Nationwide

$1,182

$99

Progressive

$1,205

$100

Amica Mutual

$1,222

$102

American Family

$1,223

$102

Allstate

$1,224

$102

Allstate

$1,236

$103

Travelers

$1,240

$103

Travelers

$1,273

$106

Travelers

$1,281

$107

Progressive

$1,283

$107

Progressive

$1,289

$107

Travelers

$1,310

$109

Travelers

$1,344

$112

Allstate

$1,344

$112

Amica Mutual

$1,375

$115

Nationwide

$1,391

$116

Nationwide

$1,417

$118

GEICO

$1,418

$118

GEICO

$1,418

$118

Allstate

$1,424

$119

Travelers

$1,428

$119

Progressive

$1,432

$119

Progressive

$1,434

$119

American Family

$1,446

$120

Nationwide

$1,490

$124

Amica Mutual

$1,492

$124

Travelers

$1,504

$125

Travelers

$1,505

$125

Allstate

$1,527

$127

Progressive

$1,540

$128

GEICO

$1,590

$133

Allstate

$1,596

$133

Nationwide

$1,610

$134

American Family

$1,639

$137

Nationwide

$1,694

$141

Allstate

$1,710

$143

Nationwide

$1,723

$144

Travelers

$1,760

$147

Progressive

$1,777

$148

Allstate

$1,814

$151

Amica Mutual

$1,818

$152

GEICO

$1,826

$152

GEICO

$1,826

$152

Progressive

$1,853

$154

Amica Mutual

$1,853

$154

American Family

$1,855

$155

Allstate

$1,882

$157

American Family

$1,911

$159

Amica Mutual

$1,935

$161

Nationwide

$1,941

$162

Progressive

$1,945

$162

Nationwide

$2,018

$168

Allstate

$2,033

$169

GEICO

$2,040

$170

Nationwide

$2,095

$175

Progressive

$2,103

$175

Allstate

$2,136

$178

Progressive

$2,152

$179

Allstate

$2,205

$184

American Family

$2,224

$185

American Family

$2,279

$190

Progressive

$2,291

$191

Nationwide

$2,302

$192

Nationwide

$2,339

$195

Progressive

$2,413

$201

Nationwide

$2,414

$201

Amica Mutual

$2,420

$202

Amica Mutual

$2,456

$205

Amica Mutual

$2,513

$209

American Family

$2,526

$211

Progressive

$2,542

$212

GEICO

$2,556

$213

GEICO

$2,556

$213

American Family

$2,604

$217

Nationwide

$2,720

$227

GEICO

$2,856

$238

GEICO

$2,869

$239

GEICO

$2,869

$239

Nationwide

$3,177

$265

Nationwide

$3,278

$273

Amica Mutual

$3,285

$274

GEICO

$3,387

$282

Nationwide

$3,771

$314

Amica Mutual

$4,960

$413

Amica Mutual

$5,077

$423

GEICO

$5,150

$429

GEICO

$5,150

$429

GEICO

$6,059

$505

Amica Mutual

$6,502

$542

The cost of a policy will usually increase in relation to the violation’s severity. In Providence, drivers can expect their rates to increase by an average of $441 after a speeding ticket and $1,342 after a DUI. To find the cheapest car insurance with a poor driving record, compare quotes from several insurers.

Cheapest Car Insurance in Providence for Teens and Their Families

The following companies offer the cheapest car insurance for Providence teens on a family policy:

  • State Farm: $1,778 per year for female teens; $2,461 per year for male teens
  • GEICO: $3,006 per year for female and male teens

Progressive is the most expensive car insurance company for teen drivers, charging an average of $4,281 per year for female teens and $4,704 per year for male teens.

The cost of a policy is generally higher for male teens, although the difference tapers off by early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Travelers

$986

$4,310

Travelers

$1,011

$3,264

State Farm

$1,082

$1,519

GEICO

$1,092

$4,135

State Farm

$1,229

$1,675

State Farm

$1,251

$1,756

State Farm

$1,274

$2,042

State Farm

$1,308

$1,837

GEICO

$1,323

$5,009

Travelers

$1,349

$2,298

GEICO

$1,351

$5,117

State Farm

$1,394

$2,248

GEICO

$1,439

$7,534

Travelers

$1,456

$2,114

GEICO

$1,460

$4,125

State Farm

$1,500

$2,420

State Farm

$1,512

$2,059

State Farm

$1,532

$2,747

State Farm

$1,558

$2,497

State Farm

$1,659

$2,260

Travelers

$1,673

$9,807

State Farm

$1,678

$3,180

State Farm

$1,695

$2,784

Travelers

$1,708

$2,908

Travelers

$1,748

$2,537

GEICO

$1,773

$5,009

State Farm

$1,778

$3,507

Travelers

$1,781

$7,134

Travelers

$1,781

$2,991

Travelers

$1,781

$9,932

Travelers

$1,781

$3,737

State Farm

$1,805

$3,420

GEICO

$1,811

$5,117

Travelers

$1,860

$2,700

Travelers

$1,874

$3,191

GEICO

$1,909

$7,604

GEICO

$1,909

$7,604

State Farm

$1,916

$3,148

GEICO

$1,928

$7,534

State Farm

$1,934

$3,598

Nationwide

$2,025

$3,381

Nationwide

$2,054

$3,704

Travelers

$2,086

$9,121

Travelers

$2,122

$6,849

Nationwide

$2,165

$4,699

State Farm

$2,201

$4,136

Progressive

$2,284

$3,171

Nationwide

$2,295

$3,832

Progressive

$2,317

$3,203

Nationwide

$2,336

$5,500

Nationwide

$2,348

$4,371

Travelers

$2,351

$14,904

Travelers

$2,360

$13,834

State Farm

$2,414

$4,537

Nationwide

$2,455

$4,100

Nationwide

$2,457

$4,430

State Farm

$2,461

$5,202

GEICO

$2,482

$12,044

GEICO

$2,482

$12,044

Nationwide

$2,489

$5,085

Allstate

$2,505

$3,088

GEICO

$2,514

$10,018

GEICO

$2,514

$10,018

GEICO

$2,610

$14,585

GEICO

$2,610

$14,585

Nationwide

$2,625

$4,732

Progressive

$2,635

$5,082

Allstate

$2,649

$3,080

Allstate

$2,679

$3,302

Progressive

$2,686

$3,712

Progressive

$2,774

$3,852

GEICO

$2,796

$15,622

GEICO

$2,796

$15,622

Allstate

$2,801

$4,375

Progressive

$2,829

$4,670

Progressive

$2,869

$5,519

Progressive

$2,881

$5,556

Allstate

$2,892

$4,150

Progressive

$2,913

$4,867

Progressive

$2,914

$6,222

Progressive

$2,934

$4,056

Nationwide

$2,935

$7,647

Allstate

$3,000

$5,962

GEICO

$3,006

$20,180

GEICO

$3,006

$20,180

Allstate

$3,017

$3,719

Allstate

$3,079

$5,139

Progressive

$3,089

$4,289

Nationwide

$3,100

$9,360

Nationwide

$3,100

$9,360

Nationwide

$3,118

$6,769

Allstate

$3,136

$3,645

Allstate

$3,146

$4,913

Nationwide

$3,171

$10,007

Allstate

$3,239

$6,800

Progressive

$3,275

$7,047

Progressive

$3,291

$6,331

Allstate

$3,295

$6,546

Allstate

$3,315

$5,206

Allstate

$3,339

$4,616

Travelers

$3,345

$35,180

Nationwide

$3,406

$10,079

Travelers

$3,461

$21,937

Allstate

$3,564

$6,949

Nationwide

$3,599

$12,179

Nationwide

$3,599

$12,179

Allstate

$3,601

$4,186

Nationwide

$3,601

$8,478

Allstate

$3,640

$6,108

Progressive

$3,660

$14,701

Nationwide

$3,683

$13,035

Allstate

$3,715

$5,834

Allstate

$3,848

$7,938

Allstate

$3,908

$7,619

Progressive

$4,060

$16,403

Progressive

$4,281

$19,285

Progressive

$4,383

$17,607

Travelers

$4,510

$48,915

Progressive

$4,704

$21,241

Progressive

$4,795

$19,375

Purchasing an individual policy as a teen driver is generally more expensive than adding the teen to a family policy. In Providence, adding a 16-year-old male to a family policy costs an average of $3,432 annually. However, an individual policy for the same teen costs an average of $10,026 per year.

Shop around to find which insurance providers offer the cheapest car insurance for teens.

Cheapest Car Insurance in Providence for Military Drivers

The following companies will offer you the most affordable car insurance rates if you are an active-duty soldier or a veteran in Providence:

  • State Farm: $797 per year
  • USAA: $835 per year

USAA offers the cheapest minimum military car insurance coverage, charging an average of $372 per year. State Farm is the second-cheapest option, costing an average of $406 per year.

Company
Annual Premium
Monthly Premium

USAA

$372

$31

State Farm

$406

$34

State Farm

$420

$35

USAA

$459

$38

Travelers

$474

$40

USAA

$480

$40

Travelers

$498

$41

State Farm

$499

$42

Travelers

$531

$44

American Family

$534

$44

Amica Mutual

$679

$57

American Family

$691

$58

American Family

$697

$58

Amica Mutual

$736

$61

State Farm

$797

$66

State Farm

$805

$67

Allstate

$818

$68

Allstate

$829

$69

USAA

$835

$70

Progressive

$849

$71

GEICO

$899

$75

GEICO

$899

$75

USAA

$927

$77

Amica Mutual

$935

$78

Allstate

$938

$78

State Farm

$977

$81

GEICO

$1,008

$84

Progressive

$1,015

$85

Progressive

$1,043

$87

USAA

$1,082

$90

Travelers

$1,089

$91

Travelers

$1,101

$92

Travelers

$1,131

$94

Nationwide

$1,145

$95

Nationwide

$1,182

$99

American Family

$1,223

$102

Amica Mutual

$1,375

$115

Allstate

$1,424

$119

American Family

$1,446

$120

Progressive

$1,460

$122

Nationwide

$1,490

$124

Amica Mutual

$1,492

$124

Allstate

$1,527

$127

Allstate

$1,596

$133

Nationwide

$1,610

$134

GEICO

$1,635

$136

GEICO

$1,635

$136

American Family

$1,639

$137

Progressive

$1,682

$140

Nationwide

$1,694

$141

GEICO

$1,827

$152

Progressive

$1,841

$153

Amica Mutual

$1,853

$154

Nationwide

$2,095

$175

How to Compare Cheap Providence Car Insurance Quotes Online

As a driver looking to get an online quote in Providence, Rhode Island, be prepared to spend 15 minutes longer inputting your personal information.

MoneyGeek’s car insurance calculator can save you time and effort. It gives you a quick estimate of your insurance premiums based on just your driving history, coverage level, vehicle type and age.

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State Farm

Cheapest Car Insurance in Providence for Young Adults

MoneyGeek found the following companies offering the most affordable car insurance for young adults looking for full coverage in Providence:

  • State Farm: $977 per year
  • Travelers: $1,131 per year

Nationwide charges the highest premiums to insure young drivers. On average, its policies cost $2,095 per year.

The average annual premium for a 25-year-old driver in Providence is $1,566 per year. This cost lowers to an average of $1,337 annually for 40-year-old drivers. Younger drivers are generally riskier, so they usually pay higher rates.

Company
Annual Premium
Monthly Premium

State Farm

$406

$34

State Farm

$420

$35

Travelers

$474

$40

Travelers

$498

$41

State Farm

$499

$42

Travelers

$531

$44

American Family

$534

$44

Amica Mutual

$679

$57

American Family

$691

$58

American Family

$697

$58

Amica Mutual

$736

$61

State Farm

$797

$66

State Farm

$805

$67

Allstate

$818

$68

Allstate

$829

$69

Progressive

$849

$71

GEICO

$899

$75

GEICO

$899

$75

Amica Mutual

$935

$78

Allstate

$938

$78

State Farm

$977

$81

GEICO

$1,008

$84

Progressive

$1,015

$85

Progressive

$1,043

$87

Travelers

$1,089

$91

Travelers

$1,101

$92

Travelers

$1,131

$94

Nationwide

$1,145

$95

Nationwide

$1,182

$99

American Family

$1,223

$102

Amica Mutual

$1,375

$115

Allstate

$1,424

$119

American Family

$1,446

$120

Progressive

$1,460

$122

Nationwide

$1,490

$124

Amica Mutual

$1,492

$124

Allstate

$1,527

$127

Allstate

$1,596

$133

Nationwide

$1,610

$134

GEICO

$1,635

$136

GEICO

$1,635

$136

American Family

$1,639

$137

Progressive

$1,682

$140

Nationwide

$1,694

$141

GEICO

$1,827

$152

Progressive

$1,841

$153

Amica Mutual

$1,853

$154

Nationwide

$2,095

$175

Cheapest Car Insurance in Providence for Seniors

The following companies offer the most affordable car insurance companies for senior drivers who want full coverage:

  • State Farm: $805 per year
  • Travelers: $1,101 per year

The most expensive car insurance company is Amica Mutual, charging an average of $1,853 annually. On average, 65-year-old drivers pay an annual cost of $1,466 for a policy. This rate is slightly higher than the average of $1,337 for 40-year-olds.

Company
Annual Premium
Monthly Premium

State Farm

$406

$34

State Farm

$420

$35

Travelers

$474

$40

Travelers

$498

$41

State Farm

$499

$42

Travelers

$531

$44

American Family

$534

$44

Amica Mutual

$679

$57

American Family

$691

$58

American Family

$697

$58

Amica Mutual

$736

$61

State Farm

$797

$66

State Farm

$805

$67

Allstate

$818

$68

Allstate

$829

$69

Progressive

$849

$71

GEICO

$899

$75

GEICO

$899

$75

Amica Mutual

$935

$78

Allstate

$938

$78

State Farm

$977

$81

GEICO

$1,008

$84

Progressive

$1,015

$85

Progressive

$1,043

$87

Travelers

$1,089

$91

Travelers

$1,101

$92

Travelers

$1,131

$94

Nationwide

$1,145

$95

Nationwide

$1,182

$99

American Family

$1,223

$102

Amica Mutual

$1,375

$115

Allstate

$1,424

$119

American Family

$1,446

$120

Progressive

$1,460

$122

Nationwide

$1,490

$124

Amica Mutual

$1,492

$124

Allstate

$1,527

$127

Allstate

$1,596

$133

Nationwide

$1,610

$134

GEICO

$1,635

$136

GEICO

$1,635

$136

American Family

$1,639

$137

Progressive

$1,682

$140

Nationwide

$1,694

$141

GEICO

$1,827

$152

Progressive

$1,841

$153

Amica Mutual

$1,853

$154

Nationwide

$2,095

$175

Cheapest Car Insurance in Providence for Poor Credit

The following companies offer the cheapest car insurance if you have poor credit in Providence:

  • Travelers: $1,607 per year
  • State Farm: $1,645 per year

American Family offers the most expensive policy for such drivers, with an average cost of $2,978 annually. MoneyGeek found that drivers with a poor credit history will pay an average of $905 or 68% more for a policy than someone with good credit.

Company
Annual Premium
Monthly Premium

Travelers

$770

$64

Travelers

$783

$65

State Farm

$841

$70

Travelers

$861

$72

State Farm

$869

$72

State Farm

$1,029

$86

Amica Mutual

$1,076

$90

Amica Mutual

$1,167

$97

American Family

$1,294

$108

GEICO

$1,298

$108

GEICO

$1,298

$108

Progressive

$1,324

$110

Allstate

$1,467

$122

Allstate

$1,489

$124

GEICO

$1,532

$128

Nationwide

$1,580

$132

Progressive

$1,582

$132

Travelers

$1,607

$134

Progressive

$1,627

$136

Nationwide

$1,632

$136

State Farm

$1,645

$137

Allstate

$1,656

$138

State Farm

$1,663

$139

American Family

$1,717

$143

American Family

$1,761

$147

Travelers

$1,772

$148

Travelers

$1,814

$151

State Farm

$2,016

$168

Nationwide

$2,067

$172

Amica Mutual

$2,104

$175

Nationwide

$2,226

$186

Amica Mutual

$2,281

$190

Nationwide

$2,351

$196

GEICO

$2,359

$197

GEICO

$2,359

$197

Progressive

$2,389

$199

Allstate

$2,508

$209

Allstate

$2,676

$223

Progressive

$2,740

$228

GEICO

$2,775

$231

Allstate

$2,776

$231

Nationwide

$2,926

$244

American Family

$2,978

$248

Progressive

$3,018

$252

Amica Mutual

$3,481

$290

American Family

$3,623

$302

American Family

$4,078

$340

Amica Mutual

$6,501

$542

Insurance providers have found that drivers with bad credit file more claims and charge them higher premiums. You can compare quotes and benefit from bundling policies and discounts to lower your insurance costs. You can also improve your credit score by managing your finances responsibly.

Cheapest Car Insurance in Providence for Sports Cars

The following car insurance companies offer the most affordable full coverage policies for drivers with sports cars:

  • State Farm: $975 per year
  • American Family: $1,333 per year

Nationwide offers the most expensive car insurance for such drivers, costing an average of $2,321 annually.

A Ford Mustang will cost an average of 17% more ($231) to insure than a standard Toyota Camry.

Company
Annual Premium
Monthly Premium

State Farm

$448

$37

State Farm

$463

$39

Travelers

$504

$42

Travelers

$531

$44

American Family

$545

$45

State Farm

$547

$46

Travelers

$567

$47

GEICO

$702

$59

GEICO

$702

$59

Allstate

$705

$59

American Family

$707

$59

American Family

$712

$59

Allstate

$717

$60

GEICO

$787

$66

Allstate

$806

$67

Progressive

$851

$71

Progressive

$956

$80

State Farm

$975

$81

State Farm

$985

$82

Progressive

$1,044

$87

State Farm

$1,199

$100

Nationwide

$1,255

$105

Nationwide

$1,295

$108

American Family

$1,333

$111

Travelers

$1,351

$113

Travelers

$1,352

$113

Allstate

$1,396

$116

Travelers

$1,426

$119

Allstate

$1,523

$127

Allstate

$1,546

$129

American Family

$1,568

$131

Nationwide

$1,635

$136

Progressive

$1,782

$148

American Family

$1,807

$151

GEICO

$1,817

$151

GEICO

$1,817

$151

Progressive

$1,842

$153

GEICO

$2,025

$169

Nationwide

$2,195

$183

Progressive

$2,280

$190

Nationwide

$2,321

$193

Nationwide

$2,884

$240

MoneyGeek used a Ford Mustang as the sports car in this analysis. However, the policy cost can vary based on the car model. We found that luxury, sports and electric cars are generally more expensive to insure.

Average Cost of Car Insurance in Providence

The average cost of car insurance in Providence for a full coverage policy is $1,337 per year. That’s $176 more than Rhode Island’s average car insurance cost and $72 more than the national average. The policyholder’s location can affect the cost of car insurance.

The costs discussed here are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Providence

$1,337

$733

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.