Cheapest and Best Non-Owner Car Insurance in Rhode Island (2024)


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ByMark Fitzpatrick
Edited byVictoria Copans
ByMark Fitzpatrick
Edited byVictoria Copans

Updated: May 20, 2024

Advertising & Editorial Disclosure

Non-owner car insurance provides liability coverage for individuals who don't own a car but frequently drive rentals, rideshares or borrowed vehicles. It offers coverage for property damage and bodily injury caused to a third party in an at-fault accident but does not cover personal injuries or damages to the vehicle you are driving.

Non-owner car insurance can also be used to fulfill SR-22 requirements after a severe violation like a DUI. An SR-22 serves as proof of insurance, helping to get your license reinstated if it has been suspended or revoked.

MoneyGeek found that Travelers offers the best and cheapest non-owner car insurance in Rhode Island. Travelers is also the cheapest option for drivers with violations that require SR-22 insurance.

MoneyGeek Logo IconNon-OwnerCar InsuranceRhode Island
2024

Why Trust MoneyGeek? MoneyGeek sourced Rhode Island data from Quadrant Information Services and examined customer and claim satisfaction ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

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5Providers Compared

Cheapest Non-Owner Car Insurance in Rhode Island

The most affordable company for non-owner auto insurance in Rhode Island is:

  • Drivers with a clean record: Travelers ($52 per month)
  • Drivers with violations: Travelers ($62 per month)

Travelers offers the cheapest non-owner auto insurance in Rhode Island for both drivers with clean records and those with violations. However, the average monthly rate for drivers with violations is $10 higher than the rate for those with clean records.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in Rhode Island

The most affordable non-owner car insurance for Rhode Island drivers with clean records is offered by:

USAA is the cheapest option for those with a military background at an average of $24 per month.

The average monthly cost of the cheapest company for Rhode Island non-owner car insurance is $52, which is more expensive than the national average of $43 per month.

TravelersCheapest Annual Premium$627Cheapest Monthly Premium$52
GEICOCheapest Annual Premium$678Cheapest Monthly Premium$56
ProgressiveCheapest Annual Premium$797Cheapest Monthly Premium$66
NationwideCheapest Annual Premium$1,238Cheapest Monthly Premium$103
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RHODE ISLAND MINIMUM INSURANCE REQUIREMENTS

The state minimum requirements for car insurance in Rhode Island also apply to non-owner car insurance and are as follows:

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

While minimum coverage insurance meets the legal requirements in Rhode Island, it may not provide sufficient coverage for all drivers. It's important to evaluate your individual circumstances and assess how much coverage you need to ensure that you're adequately protected.

Cheapest Non-Owner SR-22 Car Insurance in Rhode Island

The two top insurers for cheap non-owner SR-22 car insurance in Rhode Island are:

USAA, with an average rate of $24 monthly, is the cheapest insurer overall in Rhode Island for drivers with violations, but it is only available to those with a military background.

If you have serious violations like an at-fault accident or a DUI on your record, you may be required to file an SR-22 form, which can result in higher car insurance rates. The cheapest rate for non-owner SR-22 insurance in Rhode Island is $62 per month, which is slightly higher than the national average of $59 per month.

TravelersCheapest Annual Premium$749Cheapest Monthly Premium$62
GEICOCheapest Annual Premium$757Cheapest Monthly Premium$63
ProgressiveCheapest Annual Premium$829Cheapest Monthly Premium$69
NationwideCheapest Annual Premium$1,238Cheapest Monthly Premium$103
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WHAT IS SR-22 INSURANCE?

While often referred to as "SR-22 car insurance," it's important to note that SR-22 itself is not a type of policy but rather a form that serves as proof that you are complying with state minimum insurance requirements.

Unlike most states, Rhode Island does not require the filing of an SR-22 following serious violations, but you can still expect to pay more for high-risk insurance if you have offenses on your record. In addition, you may still need to submit an SR-22 if you commit a violation in another state that requires it.

What Is Non-Owner Car Insurance?

Non-owner car insurance is a type of insurance policy that provides liability coverage for individuals who do not own a car but drive frequently. It covers property damage and bodily injury caused to others in an at-fault accident.

Purchasing non-owner auto insurance in Rhode Island will help you meet the state's minimum car insurance requirements and protect you from financial liability in case of accidents. See the table below to compare the coverage variations between non-owner and standard car insurance.

Policy Coverage
Full Coverage
Non-Owner

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability

Average Cost of Non-Owner Car Insurance in Rhode Island

The average monthly cost of Rhode Island non-owner car insurance is $61. Compared to the national average of $43 per month, rates in Rhode Island are significantly higher.

While location tends to influence the average cost of car insurance, other individual factors such as driver age, driving history and coverage level typically have a greater impact on premiums.

Non-Owner Car Insurance Cost Comparison: National vs. State

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National Average Cost

Monthly Premium

$43
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Rhode Island Average Cost

Monthly Premium

$61
On average, non-owner car insurance in Rhode Island is:$18 more

This is 42% more expensive.

Best Non-Owner Car Insurance in Rhode Island

The top insurers in Rhode Island for non-owner car insurance are:

  • Travelers: MoneyGeek score 63 out of 100 ($52 per month)
  • GEICO: MoneyGeek score 60 out of 100 ($56 per month)
  • Progressive: MoneyGeek score 57 out of 100 ($66 per month)

MoneyGeek utilizes a comprehensive ranking system that considers factors such as J.D. Power customer satisfaction ratings, AM Best financial stability ratings and affordability to determine the best auto insurance companies.

We reviewed the top three insurers in Rhode Island below to help you find the best provider for you.

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MoneyGeek Top Pick
Travelers

Travelers is our top pick for the best non-owner car insurance in Rhode Island. This insurer offers affordable rates and boasts a wide range of discounts that can help policyholders make their premiums even more affordable. Common discounts available include bundling, multiple car and paperless discounts.

Travelers also provides a broad range of essential add-on coverages, including roadside assistance, accident forgiveness and new car replacement.

Read the full Travelers car insurance review.

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Runner-Up
GEICO

GEICO has reasonable rates for Rhode Island drivers and also provides various discounts for further savings, including anti-theft system, safety equipment, multiple-car and bundling discounts. Military members, federal employees and drivers on emergency deployment also qualify for a discount.

In addition to standard coverages, GEICO offers optional add-ons like rental car reimbursement and accident forgiveness. It also provides mechanical breakdown insurance for new or leased cars less than 15 months old.

Read the full GEICO car insurance review.

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Third Place
Progressive

Progressive is one of the top Rhode Island insurers for non-owner car insurance, earning a high customer satisfaction score. It offers affordable rates and a diverse selection of coverage options. With discounts for bundling, multiple cars and paying in full, Progressive makes it easy to save on your premiums.

Progressive’s standard coverages are complemented by a range of add-ons, such as deductible modification, roadside assistance and gap insurance. Progressive also offers unique add-ons like custom parts coverage, ensuring comprehensive protection for your vehicle.

Read the full Progressive car insurance review.

Should You Get Non-Owner Car Insurance in Rhode Island?

Non-owner car insurance is a good option for those who do not own a car but frequently drive rental cars, rideshares or borrowed cars. It can also help fulfill insurance requirements if you need to get your license reinstated after a violation. Consider getting non-owner car insurance if your profile fits the following scenarios:

Who Should Consider Non-Owner Car Insurance?

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    Car borrowers

    Driving a borrowed car exposes you to potential financial liability in the event of an at-fault accident. Non-owner car insurance mitigates this risk by providing coverage for third-party bodily injury and property damage. It will ensure that you have the necessary protection against potential liabilities when driving a borrowed car.

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    Occasional renters

    If you drive rental cars on occasion, a non-owner car insurance policy is an affordable way to get liability coverage. This policy typically costs less than standard car insurance and will cover third-party bodily injury and property damage if you cause an accident while driving a rental car.

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    Drivers between cars

    A lapse in your insurance coverage may lead to higher rates in the future. A non-owner policy can help you maintain coverage if you are in between cars to ensure that there are no gaps in your coverage history.

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    License reinstatement seekers

    If your driver's license is suspended or revoked after a serious violation, you will be required to provide proof of liability coverage before you can get it reinstated. A non-owner car insurance policy can help you provide proof that you have the required minimum liability coverage in order to regain your driving privileges.

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ONE-DAY CAR INSURANCE

MoneyGeek recommends using caution when dealing with providers offering "one-day insurance" in Rhode Island. One-day insurance is not an actual product, and such offers tend to be insurance scams.

If you need temporary car insurance — for instance, when going on a road trip or moving — opt for rental car insurance from the car rental company. This will help you avoid scams and get legitimate coverage for short periods as needed.

Frequently Asked Questions About Non-Owner Car Insurance in Rhode Island

To learn more about non-owner auto insurance in Rhode Island, please refer to the frequently asked questions below.

Which company offers the cheapest non-owner car insurance in Rhode Island?
Which companies offer non-owner car insurance with the best mix of quality and affordability in Rhode Island?
How much does non-owner car insurance cost in Rhode Island?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.