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.
Cheapest SR-22 Car Insurance in Rhode Island
Updated: December 5, 2025
Advertising & Editorial Disclosure
Key Takeaways
State Farm provides the cheapest car insurance in Rhode Island for an SR-22, with rates averaging $91 per month or $1,088 per year for minimum coverage.
Drivers filing an SR-22 in Rhode Island pay average Rhode Island car insurance costs of $223 monthly for minimum coverage and $396 per month for full coverage.
Rhode Island requires SR-22 insurance to cover $25,000 per person and $50,000 per accident for injuries, plus $25,000 for property damage if your license is suspended.
Cheapest SR-22 Car Insurance in Rhode Island
| State Farm | $91 | $159 | -61% |
| Travelers | $120 | $213 | -48% |
| Allstate | $157 | $281 | -32% |
| American Family | $160 | $317 | -25% |
| Progressive | $165 | $283 | -30% |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Cheapest SR-22 Car Insurance in Rhode Island by Category
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.
| Most Drivers Needing a SR-22 | State Farm | $91 | $159 |
| Young Drivers With a Suspension | State Farm | $110 | $192 |
| Senior Drivers With a Suspension | State Farm | $94 | $161 |
| Drivers With Multiple Speeding Tickets | State Farm | $73 | $135 |
| Drivers With Racing Violation | State Farm | $66 | $127 |
| Drivers With Hit-And-Run Accident | State Farm | $90 | $157 |
| Drivers With Other Violations | State Farm | $78 | $155 |
* 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.
Cheapest Personalized SR-22 Car Insurance in Rhode Island
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.
Data filtered by:
Select
Female
100/300/100 Comp/Coll $1000 Deductible
Below Fair
2 speeding tickets (11-15 MPH over limit)
| Travelers | $317 | $3,798 | -38% |
| Allstate | $359 | $4,311 | -30% |
| State Farm | $401 | $4,808 | -22% |
| Amica | $429 | $5,142 | -16% |
| Geico | $498 | $5,978 | -3% |
Cheapest SR-22 Car Insurance in Rhode Island by City
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.
| Cranston | State Farm | $90 |
| North Smithfield | State Farm | $90 |
| Providence | State Farm | $104 |
| Wakefield | State Farm | $66 |
* Rates represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Best Cheap SR-22 Car Insurance Companies in Rhode Island
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.
| Travelers | 4.61 | 2 | 2 | 4 |
| State Farm | 4.41 | 1 | 4 | 6 |
| Progressive | 4.40 | 4 | 3 | 2 |
| Allstate | 4.19 | 3 | 9 | 3 |
| American Family | 4.07 | 5 | 5 | 6 |
Travelers
Best Overall for SR-22 Insurance in Rhode Island
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.5/5Customer Experience
3.7/5Coverage Points
Average Monthly Full Coverage Cost
$213For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for drivers with an SR-22Average Monthly Minimum Coverage Cost
$120For minimum state coverage for drivers filing an SR-22Best For
Customer Experience
How Much Is SR-22 Car Insurance in Rhode Island?
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.
| Minimum Coverage | $223 | $2,670 | 27% |
| Full Coverage | $396 | $4,755 | 19% |
*Average rates shown represent a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Average SR-22 Car Insurance Cost by Rhode Island City
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.
Data filtered by:
Minimum Coverage
| Cranston | $240 | $2,883 |
| North Smithfield | $189 | $2,268 |
| Providence | $256 | $3,073 |
| Wakefield | $171 | $2,056 |
* Rates shown are for a 40-year-old male driver with a DUI, good credit and a 2012 Toyota Camry LE.
Rhode Island SR-22 Insurance Requirements
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
Rhode Island requires SR-22 certificates for three years. The requirement extends beyond three years for noncompliance with requirements, repeated offenses or depending on violation severity.
TYPES OF SR-22 FILINGS
Rhode Island drivers can file for an SR-22 Operators-Owner Certificate. This certificate combines the benefits of both traditional and non-owner policies, protecting you whether you drive your own vehicle or a borrowed one.
Other Rhode Island SR-22 Insurance Laws and Regulations
Rhode Island has additional insurance regulations drivers must follow beyond basic SR-22 requirements.
- First offense: requires three years of SR-22 coverage
- Second offense within five years: leads to a five-year suspension with continued SR-22 requirement
- Third offense within five years: results in a 10-year suspension with ongoing SR-22 coverage.
SR-22 Filing and Reinstatement Fees
SR-22 filing fees in Rhode Island range from $25 to $50, while license reinstatement fees cost between $151 and $251, based on the violation type. Rhode Island offers payment plans for fees totaling more than $500, making it easier to manage these costs.
Coverage Lapses and Cancellations
If your SR-22 insurance lapses or gets canceled, your insurance company must notify the Rhode Island DMV right away. Your license will be suspended until you file a new SR-22 and pay reinstatement fees.
SR-22 Requirement Length
Rhode Island requires SR-22 insurance for three years, but this extends to five years for serious violations involving injuries, death, or major property damage. For non-driving violations:
SR-22 Filing Process
Contact an insurance company licensed in Rhode Island to file an SR-22. Buy a policy meeting Rhode Island's minimum requirements. Your insurance company files the SR-22 electronically with the Rhode Island DMV, with typical processing taking 72 hours.
WHAT TO DO IF PROVIDERS DENY YOU COVERAGE
Rhode Island drivers denied standard auto insurance can turn to the Rhode Island Automobile Insurance Plan (RIAIP). AIPSO manages this program, matching drivers with participating insurance companies. To qualify, you must show proof of coverage denial within the past 60 days.
Cheap SR-22 Insurance in Rhode Island: Bottom Line
In Rhode Island, drivers with severe violations must file an SR-22 to prove they have minimum coverage. The SR-22 requirement lasts three to five years, depending on the offense. SR-22 insurance costs more, but affordable car insurance options exist.
SR-22 Insurance Rhode Island: FAQ
Below are frequently asked questions about SR-22 certifications in Rhode Island:
What are the cheapest SR-22 car insurance options in Rhode Island?
State Farm provides Rhode Island's cheapest SR-22 car insurance at $91 per month for minimum coverage. Travelers and Allstate follow as the next most affordable options.
How much does filing an SR-22 increase car insurance rates in Rhode Island?
Filing an SR-22 increases car insurance rates in Rhode Island by 27% compared to drivers with clean records.
How long do you need to have an SR-22 in Rhode Island?
In Rhode Island, drivers must maintain an SR-22 and continuous insurance coverage for three years. Letting coverage lapse restarts the SR-22 period and can trigger additional penalties.
How We Decided the Best and Cheapest SR-22 Insurance 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 weight reflects what matters most when choosing coverage.
- Customer experience (30% of score): We evaluate customer service through Google reviews, J.D. Power scores, AM Best financial ratings and consumer feedback from Reddit discussions.
- Coverage options (10% of score): We assess coverage variety and the unique benefits each provider offers.
Learn more about MoneyGeek's car insurance methodology.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.