State Farm leads Rhode Island with the lowest rates, charging $43 monthly for minimum coverage and $88 for full coverage. Rhode Island drivers save $38 monthly (37%) compared to other major providers. Get quotes from Amica, Travelers, Quincy Insurance and American Family too.
Cheapest Car Insurance in Rhode Island
Updated: August 7, 2025
Advertising & Editorial Disclosure
Key Takeaways
State Farm, Amica and Travelers are the cheapest car insurance companies for most Rhode Island drivers, with average savings of up to 37%.
Car insurance costs can be as low as $28 for minimum coverage and $52 for full coverage policies on average in Rhode Island.
To get the cheapest car insurance in Rhode Island, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Rhode Island?
| State Farm | $43 | $88 | -37% |
| Amica | $46 | $101 | -29% |
| Travelers | $56 | $96 | -26% |
| Quincy Insurance | $61 | $103 | -20% |
| American Family | $67 | $136 | -1% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN RHODE ISLAND
We've created additional guides below to help you in your search for the best and cheapest car insurance in Rhode Island:
Best Car Insurance Rates by Category in Rhode Island
State Farm offers the cheapest car insurance rates for eight out of our 10 driver categories in Rhode Island, while GEICO provides affordable rates for the remaining two categories, specifically for drivers with bad credit or low income. Find your specific rates in the table:
| Young Drivers | State Farm | $98 |
| Adult Drivers | State Farm | $42 |
| Senior Drivers | State Farm | $44 |
| Drivers With An Accident | State Farm | $43 |
| Drivers With A DUI | State Farm | $43 |
| Drivers With A Speeding Ticket | State Farm | $43 |
| Drivers With Bad Credit | Geico | $95 |
| Drivers With Low Income | Geico | $64 |
| Drivers With Newer Cars | State Farm | $50 |
| Drivers With Old Cars | State Farm | $34 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Rhode Island for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Quincy offers the lowest rates at $141 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Quincy Insurance | $141 | $1,689 | -44% |
| Travelers | $180 | $2,162 | -28% |
| Geico | $214 | $2,572 | -14% |
| American Family | $243 | $2,918 | -3% |
| Allstate | $254 | $3,043 | 1% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Rhode Island by City
Where you live in Rhode Island affects your insurance costs based on local crime, accidents and traffic density. Amica charges as little as $28 in Block Island but State Farm costs $55 in Providence. Here are the cheapest providers for every Rhode Island city.
Data filtered by:Results filtered by:
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City:Adamsville
| Adamsville | Quincy Insurance | $31 | -58% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Rhode Island By Driver Age Group
We analyzed car insurance rates across Rhode Island for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young Drivers: State Farm (From $98/mo)
- Adult Drivers: State Farm (From $42/mo)
- Senior Drivers: State Farm (From $44/mo)
Cheapest Car Insurance For Young Drivers in Rhode Island
Young drivers in Rhode Island can get their best rates from State Farm. Minimum coverage costs $98 per month, saving drivers 52% compared to other providers. State Farm also leads for full coverage at $200 monthly, saving young drivers 46%.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $98 | $1,171 | -52% |
| American Family | $127 | $1,529 | -38% |
| Allstate | $130 | $1,563 | -36% |
| Quincy Insurance | $143 | $1,714 | -30% |
| Amica | $148 | $1,776 | -28% |
Cheapest Car Insurance For Adult Drivers in Rhode Island
State Farm offers Rhode Island's lowest rates for adult drivers: $42 monthly for minimum coverage and $85 for full coverage.
Data filtered by:Results filtered by:
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coverage_user_friendly:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $42 | $500 | -43% |
| Amica | $44 | $534 | -39% |
| Quincy Insurance | $55 | $656 | -25% |
| Travelers | $55 | $664 | -24% |
| American Family | $70 | $840 | -4% |
Cheapest Car Insurance For Senior Drivers in Rhode Island
State Farm offers Rhode Island seniors the most affordable car insurance rates for both coverage types. Full coverage costs $1,064 annually, while minimum coverage runs $529 per year.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $44 | $529 | -48% |
| Amica | $57 | $680 | -33% |
| Quincy Insurance | $62 | $747 | -26% |
| Allstate | $78 | $930 | -8% |
| Travelers | $84 | $1,002 | -1% |
Cheapest Car Insurance For High-Risk Drivers in Rhode Island
We studied four core areas for profiles insurers consider particularly high-risk in Rhode Island including those with bad credit, DUIs, accidents and speeding tickets. Here are the providers that offer the best rates for each group:
- Cheapest for Bad Credit: Geico (From $214/mo)
- Cheapest With a DUI: State Farm (From $88/mo)
- Cheapest With an Accident: State Farm (From $88/mo)
- Cheapest With a Speeding Ticket: State Farm (From $88/mo)
Cheapest Car Insurance For Bad Credit in Rhode Island
GEICO offers Rhode Island drivers with bad credit the most affordable car insurance rates. Annual premiums start at $1,143 for minimum liability coverage and $2,568 for full coverage policies with comprehensive and collision protection.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Geico | $95 | $1,143 | -40% |
| Quincy Insurance | $106 | $1,275 | -33% |
| Nationwide | $114 | $1,369 | -28% |
| Travelers | $123 | $1,477 | -23% |
| Allstate | $135 | $1,617 | -15% |
Cheapest Car Insurance With a DUI in Rhode Island
State Farm ranks as the most affordable option for Rhode Island drivers with DUIs, offering annual rates of $500. Travelers provides the next best value with premiums of $1,092 per year.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
Select
Gender:Male
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Credit Alignment:Good
| State Farm | $42 | $500 | -70% |
| Travelers | $91 | $1,092 | -34% |
| Progressive | $107 | $1,282 | -23% |
| American Family | $108 | $1,298 | -22% |
| Quincy Insurance | $109 | $1,303 | -21% |
Cheapest Car Insurance With an Accident in Rhode Island
Rhode Island drivers with an accident on their record can find the most affordable coverage through State Farm at $42 per month ($500 annually).
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
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Credit Alignment:Good
| State Farm | $42 | $500 | -48% |
| Amica | $44 | $534 | -44% |
| Quincy Insurance | $55 | $656 | -32% |
| Travelers | $55 | $664 | -31% |
| American Family | $70 | $840 | -13% |
Cheapest Car Insurance With an Speeding Ticket
Rhode Island drivers with speeding tickets can find the lowest insurance rates with State Farm. The provider offers minimum coverage at $500 per year, while full coverage costs $1,025 annually.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| State Farm | $42 | $500 | -56% |
| Quincy Insurance | $55 | $656 | -42% |
| Amica | $58 | $696 | -38% |
| Travelers | $64 | $774 | -31% |
| Allstate | $94 | $1,133 | 0% |
How to Get the Cheapest Car Insurance in Rhode Island
Finding the most affordable insurance companies is just the first step to getting the best car insurance rates in Rhode Island. Here are proven strategies to save the most on auto insurance.
- 1
Compare Multiple Insurance Providers
Get quotes from several insurance companies through different channels including provider websites, independent agents, and comparison sites. Your rates can vary significantly depending on how you obtain quotes, so explore multiple options.
- 2
Determine Your Coverage Needs
Know exactly what coverage you need before shopping to avoid paying for unnecessary add-ons while ensuring adequate protection. Consider your vehicle's value, your assets, and your risk tolerance when choosing coverage levels.
- 3
Evaluate Coverage Levels
Consider adjusting your coverage levels and deductibles if you need to reduce costs. Carefully assess your financial situation, driving patterns, and location before making coverage decisions.
- 4
Research Costs and Discounts
Study average auto insurance costs for drivers with your profile. Investigate available discounts and compare home and auto insurance bundles to maximize savings.
- 5
Explore Alternative Insurance Options
Look into non-traditional options like pay-per-mile car insurance or telematics programs if standard policies are too expensive. These alternatives can offer significant savings based on your driving habits.
- 6
Improve Your Risk Profile
Work on improving your credit score and maintaining safe driving habits. Better risk factors lead to lower insurance rates over time.
- 7
Choose an Insurance-Friendly Vehicle
If you're buying a car, select a model that's cheaper to insure. Older vehicles and those with strong safety ratings typically cost less to cover.
Risks of Getting the Cheapest Car Insurance in Rhode Island
Rhode Island requires drivers to carry liability insurance with minimum coverage of 25/50/25. This means you need $25,000 for injuries to one person, $50,000 total for injuries in one accident and $25,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Rhode Island, average property damage claims hit $4,711 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Rhode Island's coastal location creates major weather risks that damage cars regularly. The National Centers for Environmental Information reports weather-related property damage averaged $3,890 per incident in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against floods, hurricanes and severe storms that frequently hit Rhode Island.
Bodily injury damage is more likely to be higher than the minimum limits
Rhode Island's minimum bodily injury coverage of $25,000 per person often isn't enough for serious accidents. The Insurance Information Institute reports average bodily injury claims in the state reached $22,340 in 2023. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
Rhode Island has a serious uninsured driver problem, with 16.1% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these common scenarios.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Rhode Island, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $8,234, so comprehensive coverage is worth it in high-risk areas.
Cheap Car Insurance in Rhode Island: Bottom Line
State Farm offers the lowest car insurance rates in Rhode Island for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Rhode Island: FAQ
Below we answer frequently asked questions about finding affordable car insurance in Rhode Island to help you save money.
What are the cheapest car insurance companies in Rhode Island?
State Farm provides the most affordable car insurance in Rhode Island, with average annual rates of $500 for minimum coverage and $1,020 for full coverage. Amica, Travelers, Quincy and American Family also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Rhode Island?
State Farm provides the most budget-friendly rates for young drivers in Rhode Island, with monthly premiums starting at $98.
Who offers the cheapest car insurance rates for seniors in Rhode Island?
Senior drivers in Rhode Island can find the lowest rates with State Farm, which offers monthly premiums averaging $44 for drivers aged 65 and older.
Who has the cheapest car insurance in Rhode Island for bad credit?
GEICO provides the most affordable rates for bad-credit drivers in Rhode Island, with monthly premiums averaging $95 for minimum coverage and $214 for full coverage.
Who has the cheapest car insurance in Rhode Island with an accident?
State Farm offers the most affordable car insurance rates for Rhode Island drivers with an accident history, starting at $42 per month for minimum coverage.
Who has the cheapest car insurance in Rhode Island with a DUI?
State Farm provides the cheapest car insurance after a DUI in Rhode Island, with rates of $42 monthly for minimum coverage and $85 monthly for full coverage.
Who has the cheapest car insurance in Rhode Island for those with a speeding ticket?
State Farm provides the lowest rates for drivers with a speeding ticket, charging $42 monthly for minimum coverage and $85 for full coverage.
Should you buy the cheapest car insurance in Rhode Island?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. State Farm balances low prices with solid coverage options in Rhode Island.
How We Found the Most Affordable Car Insurance in Rhode Island
MoneyGeek collected auto insurance data from the Rhode Island Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Rhode Island.
Rhode Island Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Rhode Island
We compared car insurance companies in Rhode Island that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Rhode Island.
The minimum coverage liability limits in Rhode Island are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute. "Facts + Statistics: Auto Insurance." Accessed August 15, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed August 15, 2025.
- National Centers for Environmental Information. "Climate at a Glance: Statewide Time Series." Accessed August 15, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 15, 2025.