Car Insurance in Rhode Island: How to Find the Policy That Fits You

If you are looking for a car insurance policy that fits your profile, MoneyGeek’s analysis outlines solutions to help you make the right choice.

Find the Best or Cheapest Car Insurance in Rhode Island

To help you secure the cheapest car insurance in Rhode Island, MoneyGeek collected quotes from across the state. We utilized our unique rating system to determine the top companies that balance service quality and cost. If you want to determine your overall rates, MoneyGeek evaluated costs across various factors, including driving record, age and many more.

MoneyGeek’s resources above outline the cheapest and best car insurance in Rhode Island for different types of drivers. The table below shows what you will find. All the recommended policies feature full coverage car insurance unless indicated otherwise.

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  • Minimum liability: State Farm
  • Full coverage: State Farm
  • Drivers with a DUI: State Farm
  • After an accident: State Farm
  • Drivers with a ticket: State Farm
  • Drivers with bad credit: State Farm
  • Senior drivers: State Farm
  • Student drivers: State Farm
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  • Overall: Allstate
  • Customer Service: Allstate
  • On a Budget: Allstate
  • Poor Driving Record: Travelers
  • Military: USAA
  • Young Drivers: Allstate
  • New Cars: Allstate
  • Low-Mileage Drivers: Nationwide

Get a Rhode Island Car Insurance Quote

In Rhode Island, car insurance quotes vary by as much as $1,960 per year across different providers for the same driving profile. If you want to save on your premiums, comparing quotes from multiple companies can help you secure better rates. Luckily, obtaining a quote estimate from an insurer is not time-consuming.


Car Insurance Laws in Rhode Island

MoneyGeek provides all the resources you need to learn about Rhode Island car insurance laws. When purchasing car insurance in the state, your policy must meet the following requirements:

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

How much car insurance coverage you need in Rhode Island can vary from the state’s minimum insurance, which may not be adequate for every driver. The state minimum policy has low liability limits and doesn’t mandate comprehensive and collision insurance.

Specialty Car Insurance in Rhode Island

In Rhode Island, standard car insurance may not always be the best option for your needs. To help you make the right coverage selection, MoneyGeek reviewed alternative car insurance options in the state. These include temporary, non-owner and low-income car insurance policies. You can learn more about these unique types of car insurance in Rhode Island below.

MoneyGeek Specialty Car Insurance Resources


Non-owner car insurance

This type of insurance is best for drivers in Rhode Island who do not have a car of their own but need to show proof of insurance.


Temporary car insurance

If you rent cars often or need a car for a short period of time, you can get temporary car insurance in Rhode Island by purchasing and canceling a standard insurance policy early or buying rental car insurance.


Car insurance for low-income drivers

Most states do not offer support to low-income drivers, but MoneyGeek’s guide suggests ways to get low-income car insurance in Rhode Island.

About the Author


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.