Cheapest Car Insurance in Rhode Island

The cheapest full coverage car insurance in Rhode Island comes from Quincy at $995 per year, which works out to $83 per month. State Farm follows at $1,025 annually, only $30 more for the year. Travelers charges $1,121 per year and Amica comes in at $1,176. The $181 gap between Quincy and Amica equals almost two months of coverage.

All four companies offer rates below Rhode Island’s average full coverage cost, which is 36 percent higher than Quincy’s price. This puts their premiums well below what many drivers in the state spend for full coverage with comprehensive and collision protection.

Among liability-only car insurance options in Rhode Island, State Farm provides the most affordable rate at $500 per year, or $42 per month, which meets the state’s 25/50/25 minimum requirements. Amica follows at $534 per year, costing $34 more than State Farm for the same required limits. Quincy charges $603 annually, while Travelers reaches $666 per year.

State Farm charges Providence drivers $55 per month for minimum coverage, while the same coverage costs $36 per month for Barrington drivers. Amica offers the lowest rate in Westerly at $33 and Quincy provides a $38 monthly rate in Newport.

Teen drivers in Rhode Island start with State Farm’s highest minimum coverage rate at $221 per month for 16-year-olds. Rates improve at age 17 with a monthly cost of $191, then fall to $174 at age 18. By age 20, State Farm charges $130 per month for minimum coverage. The biggest drop happens at age 25, when the rate reaches $69 per month, which is a 69% decrease from the cost at age 16.

Across all ages from 16 to 25, State Farm consistently provides the most competitive pricing for both minimum and full coverage auto insurance for teens and young adults.

Note: Teen drivers under 18 in Rhode Island can’t buy auto insurance on their own. A parent or guardian must cosign the policy.

Rhode Island seniors will find the lowest minimum coverage rate from State Farm, which starts at $83 per month and then drops to $59 per month for drivers aged 65 to 80. For full coverage, State Farm charges $81 per month for 65-year-olds, with rates rising to $115 per month for drivers in the 65 to 80 age range.

State Farm maintains the most affordable pricing across all senior age groups, making it a strong choice for older Rhode Island drivers. In the state, experienced drivers often enjoy lower auto insurance costs, with the cheapest companies offering senior rates that range from 41% to 45% below the statewide average.

State Farm costs $42 per month for minimum coverage after a DUI in Rhode Island, keeping it the most affordable option even for high-risk drivers. Travelers follows at $91 per month, which is more than double State Farm’s rate. Progressive ($107), Quincy ($109) and American Family ($108) sit in the same price range for minimum coverage.

For full coverage after a DUI, State Farm remains the cheapest at $85 per month. Travelers lists its rate at $158 per month, Progressive reaches $183, Quincy comes in at $208 and American Family tops out at $213.

The consistency of State Farm's pricing advantage across both coverage levels makes it the primary target for Rhode Island drivers rebuilding their insurance profile after a DUI. State Farm's rates sit 68% below the state average for DUI insurance on minimum coverage.

If you need SR-22 insurance in Rhode Island, State Farm provides the most affordable minimum coverage at $78 per month, which sits about 39% below the state average for this high-risk category. Amica Mutual charges $84 per month for minimum SR-22 coverage, followed by Travelers at $94. GEICO has the highest rate at $128 per month, which matches the state average.

For full coverage SR-22 policies, State Farm remains the cheapest at $155 per month. Travelers comes next at $164, then Amica Mutual at $180, with GEICO reaching $251 for full coverage.

SR-22 certificates verify continuous insurance coverage for drivers with serious violations. The certificate itself costs $15 to $50, and your insurer will file it directly with Rhode Island's DMV on your behalf.

Travelers offers the lowest non-owner car insurance rate in Rhode Island at $96 per month for minimum coverage, which is about 27% below the state average. Progressive comes next at $121 per month, putting it roughly 5% below the statewide average for this type of policy.

Non-owner policies cost less than standard auto insurance because they only provide liability coverage for damage you cause to others, not protection for any specific vehicle you might drive. 

This coverage type helps with license reinstatement after suspension, SR-22 filing requirements or frequent car rentals. It follows you rather than a specific vehicle, making it ideal for Rhode Island residents who regularly borrow cars or use car-sharing services.

For Rhode Island drivers recovering from an at-fault accident, State Farm offers the lowest minimum coverage rate at $42 per month, which is about 43% below the state average. Amica follows at $44 per month for minimum coverage and $98 for full coverage. Quincy charges $55 for minimum coverage and $91 for full coverage, while Travelers matches the $55 minimum rate and goes for $94 for full coverage.

For full coverage, State Farm remains the most affordable at $85 per month, while American Family offers $139. Premiums usually rise 20% to 40% after an at-fault accident and higher rates often stay in place for three to five years. The size of the increase depends on the severity of the crash, your driving history and the insurer’s rating method.

State Farm offers the lowest minimum coverage rate for Rhode Island drivers with a speeding ticket at $42 per month or $500 a year. This rate is about 52% lower than the state average for drivers with this violation. For full coverage, State Farm stays the cheapest at $85 per month, followed by Quincy at $91 per month.

A single speeding ticket often raises premiums by 10% to 30%, depending on how far over the limit you were and whether the violation happened in a school zone or construction area. Most insurers drop the surcharge after three years if you keep a clean driving record.

Rhode Island drivers with poor credit will find the lowest minimum coverage rates from GEICO, priced at $77 per month or $920 a year. This runs about 30% lower than the state average for this risk group. For full coverage, Quincy offers the most affordable option at $170 per month, which saves drivers $3 each month and $35 each year compared to GEICO’s $173 full coverage rate.

Since Rhode Island allows insurers to use credit scores when setting prices, drivers with poor credit often pay higher premiums. Improving your credit score leads to lower costs over time and often results in savings that reach hundreds of dollars each year.

Car insurance premiums in Rhode Island depend on where you live, your driving history, age and credit score. Minimum coverage starts at $500 annually with State Farm, while full coverage reaches $995 yearly through Quincy Insurance. You can save hundreds of dollars annually by comparing insurers and taking advantage of available discounts.

If you’re trying to understand your options for low-cost car insurance in Rhode Island, our experts cover the questions drivers ask most.

Our Research Approach

Rhode Island's car insurance market presents unique challenges. As the smallest state, you might expect uniform rates, but Providence drivers often pay more than those in rural Washington County. 

Rhode Island's at-fault system and high population density in the Providence metro area create wide rate variations across just 39 cities. Our research identifies which insurers offer the lowest rates across Rhode Island's concentrated urban and suburban markets.

We collected auto insurance data from the Rhode Island Department of Business Regulation and Quadrant Information Services, analyzing quotes from 12 major insurers and reviewing more than 200 million rate comparisons across every residential ZIP code in Rhode Island.

Sample Driver Profile

Our baseline rates use a 40-year-old driver with good credit and a clean driving record. This profile represents typical Rhode Island drivers without violations or poor credit that increase premiums. You'll see base rates here. Your personal quote will adjust based on your specific driving history, credit and location.

Coverage Levels We Compared

We analyzed two coverage scenarios:

Minimum coverage: Rhode Island's required liability limits of $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $25,000 per accident for property damage (25/50/25). This meets legal requirements but often falls short in serious accidents.

Full coverage: Liability limits of $100,000/$300,000/$100,000 plus comprehensive and collision coverage with a $1,000 deductible. You're covered for damage you cause to others and repairs to your own vehicle.

Location Affects Your Rate

Rhode Island rates vary a lot by city despite the state's small size. Providence drivers often pay substantially more than residents of smaller cities like Westerly or Bristol. Our ZIP code analysis shows where drivers overpay because of geography and population density.

For more information, see the detailed methodology here.