Cheapest SR-22 Car Insurance in Rhode Island

State Farm provides the cheapest SR-22 insurance in Rhode Island at $91 monthly for minimum coverage and $159 for full coverage, about 61% below the state's average rates. Keep in mind these rates reflect costs for 40-year-old drivers with a DUI. Travelers, Allstate, Progressive and American Family might offer better rates for your specific situation.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

State Farm stands out as the clear leader for SR-22 insurance in Rhode Island, ranking as the most affordable option across all seven categories studied. Monthly premiums start at $66 for drivers with racing violations and reach $110 for young drivers with suspensions.

* Rates for most drivers are represented by a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE. All other profiles are modifications of these factors. Young drivers are represented by 25-year-olds, and seniors are represented by 65-year-olds; all other violations represent those with suspensions that are not due to driving violations.

Our general rankings show the top providers overall, but your best insurance rates depend on personal factors. The table below matches you with affordable options based on your age, gender, coverage needs, credit score and driving history.

State Farm offers the most affordable SR-22 car insurance across Rhode Island cities, with rates starting at $66 per month depending on your location. Below, you can review its rates for major cities in Rhode Island.

* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Overall, Travelers stands as the best car insurance provider for SR-22 filing because it offers the greatest balance of affordable rates, good customer service and useful coverage options, earning it the highest overall MoneyGeek score. However, you should also consider State Farm, Progressive, Allstate and American Family in your search.

SR-22 car insurance in Rhode Island costs $2,670 annually for minimum coverage and $4,755 for full coverage policies. Rhode Island ranks as the 35th most affordable for minimum coverage and 33rd for full coverage. Monthly premiums can range from $105 to $1,209, depending on your driver profile.

*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

Our analysis shows Wakefield has the lowest SR-22 insurance rates in Rhode Island at $171 per month, while Providence costs the most at $256 monthly. Below you can review costs for major cities in the state for both full and minimum required coverage policies.

* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.

To comply with Rhode Island laws, you must carry these minimum liability limits:

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

In the state, SR-22 certificates are usually required for three years. This period can be extended beyond three years, depending on the violation and if there is noncompliance with requirements or repeated offenses.

Understanding Rhode Island's SR-22 requirements is just the start. Rhode Island has additional insurance regulations that drivers must follow to stay compliant.

In Rhode Island, drivers with severe violations must file an SR-22 to prove they have minimum coverage. This requirement lasts 3 to 5 years, depending on the offense. While an SR-22 costs more, cheap car insurance options are available for these drivers.

Below are frequently asked questions about SR-22 certifications in Rhode Island:

MoneyGeek analyzed hundreds of thousands of quotes across Rhode Island to determine the average cost of car insurance premiums for drivers with various profiles that would likely need an SR-22. All data was sourced from Quadrant Information Services and extrapolated by our team to give you personalized recommendations for your specific profile.

Rhode Island SR-22 Driver Profile

We collected data for a sample driver with the following attributes and modified it to other common profiles for those needing an SR-22:

• 40-year-old male
• Driving record with a DUI
• 2012 Toyota Camry LE
• 12,000 miles driven annually
• Suspended license
• Single
• No claims history

Coverage Levels and Deductibles

We gathered quotes for minimum coverage policies to help drivers find the cheapest SR-22 insurance for their coverage needs. Quotes were based on Rhode Island's minimum coverage requirements, with the following limits:

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

We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident

Our Best SR-22 Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We analyze premium costs by gathering quotes across multiple driver profiles and comparing pricing against regional competitors. This substantial weight reflects the primary concern most consumers have when selecting insurance coverage.
• Customer experience (30% of score): Our customer service evaluation includes Google reviews, J.D. Power scores, AM Best financial ratings, and consumer feedback from Reddit discussions. We check these different sources to see how companies really perform for their customers.
• Coverage options (10% of score): We evaluate the breadth and depth of available coverage types, examining both the quantity of options and the distinctiveness of specialized benefits or unique features each provider offers.

Learn more about MoneyGeek's car insurance methodology.