Updated: January 30, 2026
Advertising & Editorial Disclosure
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.
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.
SR-22 pricing in Rhode Islanda varies substantially, making cheaper options for high-risk drivers easier to spot through comparison.
| 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.
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.
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.
| 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% |
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.
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 | 4.4 | 4 | 3 | 2 |
| Allstate | 4.18 | 3 | 9 | 3 |
| American Family | 4.06 | 5 | 5 | 6 |
Best Overall for SR-22 Insurance in Rhode Island
Average Monthly Full Coverage Cost
Average Monthly Minimum Coverage Cost
Best For
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.
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.
| 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.
To comply with Rhode Island laws, you must carry these minimum liability limits:
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.
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.
Rhode Island has additional insurance regulations drivers must follow beyond basic SR-22 requirements.
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.
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.
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:
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.
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.
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.
Below are frequently asked questions about SR-22 certifications 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.
Filing an SR-22 increases car insurance rates in Rhode Island by 27% compared to drivers with clean records.
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.
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:
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:
We based our analysis for full coverage quotes that include comprehensive and collision protection on these coverage amounts with a $1,000 deductible:
Our Best SR-22 Company Rating Methodology
We rated all companies based on the following rating scale:
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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
