Cheapest Car Insurance In Rhode Island (2024)
The cheapest car insurance in Rhode Island comes from USAA at $42 per month on average.
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Rhode Island drivers should compare policy options to find the cheapest coverage due to increasing car insurance costs. Our reviews team has researched the best car insurance companies nationwide. We carefully examined the reputation, customer satisfaction, coverage options, and average premiums of each provider.
In this review, we will tell you the most effective methods to spend less money on insurance, and we will also let you know where you can find the least expensive car insurance in Rhode Island according to your driving record.
Key Points:
- USAA is the cheapest car insurance company in Rhode Island overall, with an average rate of $42 per month for minimum coverage and $141 per month for full coverage.
- Travelers and GEICO also offer affordable car insurance rates for many driver profiles.
If you’re under 25 or have a history of traffic violations, you can expect to pay car insurance rates that are higher than the average. - You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
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Different car insurance companies have their own way of evaluating driver profiles. What might be the cheapest provider for one driver might not be the cheapest for you. For instance, here’s a quick overview of the cheapest auto insurance providers and how much they charge for different driver profiles in Rhode Island.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | USAA | $42 | $504 |
| Full coverage | USAA | $141 | $1,694 |
| 16-year-olds | GEICO | $227 | $2,721 |
| 45-year-olds | USAA | $35 | $421 |
| High-risk drivers | USAA | $58 | $698 |
| After a speeding ticket | USAA | $48 | $572 |
| After an accident | USAA | $42 | $504 |
| After a DUI | USAA | $85 | $1,017 |
| Poor credit drivers | USAA | $42 | $504 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with good credit and a clean driving history.
What Is The Cheapest Car Insurance Company In Rhode Island?
In general, we discovered that USAA provides the most affordable car insurance in Rhode Island for most types of drivers. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Rhode Island.
These rates apply to drivers in Rhode Island who vary in age, location, and driving experience. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Rhode Island: USAA
Drivers looking for the most affordable coverage that just meets Rhode Island state minimum requirements may find it at USAA for about $42 per month or $504 per year on average.
| Cheapest Car Insurance in Rhode Island | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | $42 | $504 |
| Travelers | $60 | $722 |
| GEICO | $65 | $777 |
| Quincy Mutual | $91 | $1,096 |
| Progressive | $105 | $1,256 |
| Nationwide | $106 | $1,268 |
| Allstate | $112 | $1,349 |
| American Family | $113 | $1,361 |
| Farmers | $127 | $1,525 |
Cheapest Full Coverage In Rhode Island: USAA
USAA is the best option if you want the most comprehensive coverage at the best price. The provider offers full-coverage insurance for an average of $141 per month.
Full-coverage insurance policies in Rhode Island generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Rhode Island | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| USAA | $141 | $1,694 |
| Travelers | $176 | $2,110 |
| GEICO | $185 | $2,215 |
| Nationwide | $208 | $2,493 |
| Progressive | $222 | $2,669 |
| American Family | $226 | $2,715 |
| Quincy Mutual | $255 | $3,062 |
| Allstate | $271 | $3,257 |
| Farmers | $374 | $4,492 |
Cheapest Car Insurance In Rhode Island: Age
Below, you’ll find average insurance costs for Rhode Island drivers ages 16 to 55 as well as the top five cheapest car insurance companies for each age group. Drivers who are between 30 and 55 years old usually receive the most affordable car insurance rates because they have spent more time driving and have more experience. Additionally, they have a lower likelihood of getting into accidents compared to younger drivers, based on statistics.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $551 | $1,279 |
| 25 | $100 | $252 |
| 35 | $82 | $205 |
| 45 | $80 | $196 |
| 55 | $77 | $184 |
Cheapest Rhode Island Car Insurance: Young Drivers
As mentioned, teenage drivers and early 20s typically pay the most expensive car insurance rates. This is mainly because these drivers don’t have as much experience driving and are more likely to break traffic rules and get into accidents.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Rhode Island Car Insurance For 16-Year-Olds: GEICO
If you’re a teen driver or the parent of one, GEICO may be your best bet for finding the most affordable car insurance in Rhode Island.
The company’s cheapest average rates for 16-year-old drivers are $227 per month or $2,721 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $620 per month or $7,440 per year from GEICO.
| Cheapest Car Insurance in Rhode Island | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| GEICO | $227 | $620 |
| USAA | $265 | $885 |
| American Family | $273 | $675 |
| Allstate | $279 | $747 |
| Nationwide | $407 | $737 |
| Quincy Mutual | $410 | $1,250 |
| Farmers | $476 | $1,259 |
| Progressive | $601 | $1,436 |
| Travelers | $2,025 | $3,905 |
Cheapest Rhode Island Car Insurance For 25-Year-Olds: USAA
Car insurance rates decrease significantly for young drivers in their twenties when compared to what teenagers pay. However, rates for this age group can still be high depending on the insurance company you select.
USAA provides the cheapest car insurance costs on average at $47 per month or $562 per year for minimum coverage. USAA costs $159 per month or $1,908 per year for full coverage.
| Cheapest Car Insurance in Rhode Island | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $47 | $159 |
| Travelers | $62 | $190 |
| GEICO | $68 | $194 |
| Quincy Mutual | $109 | $298 |
| Progressive | $113 | $240 |
| Allstate | $113 | $287 |
| Nationwide | $116 | $224 |
| American Family | $127 | $256 |
| Farmers | $145 | $420 |
Cheapest Rhode Island Car Insurance: Adult Drivers
People who are in their 40s generally pay the least amount of money for car insurance. You can compare average rates of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Rhode Island Car Insurance For 35-Year-Olds: USAA
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from USAA. The company offers average minimum-coverage costs of $37 per month or $446 per year. For full coverage, USAA’s rates average $123 monthly or $1,480 annually.
| Cheapest Car Insurance in Rhode Island | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $37 | $123 |
| Travelers | $58 | $162 |
| GEICO | $61 | $175 |
| Quincy Mutual | $73 | $212 |
| Nationwide | $96 | $191 |
| Progressive | $97 | $205 |
| American Family | $100 | $196 |
| Farmers | $109 | $328 |
| Allstate | $112 | $255 |
Cheapest Rhode Island Car Insurance For 45-Year-Olds: USAA
Forty-five-year-old drivers may find the most affordable minimum coverage from USAA, with average rates of $35 per month or $421 per year. The cheapest full coverage comes from USAA at $116 per month or $1,392 per year.
| Cheapest Car Insurance in Rhode Island | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $35 | $116 |
| Travelers | $58 | $157 |
| GEICO | $61 | $175 |
| Quincy Mutual | $67 | $194 |
| Nationwide | $92 | $183 |
| American Family | $93 | $178 |
| Progressive | $94 | $196 |
| Allstate | $110 | $254 |
| Farmers | $111 | $310 |
Cheapest Rhode Island Car Insurance For 55-Year-Olds: USAA
USAA usually offers the most affordable car insurance rates in Rhode Island for drivers in their 50s. The insurer’s average premiums are $35 monthly or $416 annually for minimum coverage. The cheapest full coverage option is from USAA, costing $116 monthly or $1,392 annually.
| Cheapest Car Insurance in Rhode Island | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $35 | $112 |
| Travelers | $53 | $140 |
| Quincy Mutual | $61 | $176 |
| GEICO | $61 | $175 |
| Nationwide | $81 | $164 |
| Progressive | $93 | $182 |
| American Family | $94 | $176 |
| Farmers | $97 | $279 |
| Allstate | $113 | $251 |
Cheapest Car Insurance In Rhode Island: High-Risk Drivers
Besides the kind of coverage you choose and how old you are, how safely you operate your vehicle greatly impacts how much you will be charged for car insurance. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including speeding citations, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who are considered high-risk pay rates for car insurance that are higher than the average. This is because they have multiple violations on their driving records. On average, Rhode Island motorists who are deemed high-risk may find the most affordable rates from USAA for minimum coverage or USAA for full coverage.
| Cheapest Car Insurance in Rhode Island | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $58 | $188 |
| Travelers | $82 | $225 |
| Quincy Mutual | $115 | $345 |
| Progressive | $116 | $253 |
| Allstate | $140 | $333 |
| GEICO | $147 | $401 |
| Nationwide | $148 | $284 |
| American Family | $159 | $314 |
| Farmers | $165 | $481 |
Cheapest Rhode Island Car Insurance For Drivers With A Speeding Ticket: USAA
Drivers with a speeding citation on their record can generally find the most affordable coverage from USAA, with average rates of $48 per month or $572 per year for minimum coverage and $161 per month or $1,936 per year for full coverage.
| Cheapest Car Insurance in Rhode Island | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $48 | $161 |
| Travelers | $71 | $205 |
| Quincy Mutual | $98 | $307 |
| GEICO | $118 | $326 |
| Progressive | $126 | $276 |
| Nationwide | $127 | $247 |
| Allstate | $139 | $331 |
| Farmers | $149 | $438 |
| American Family | $182 | $365 |
Cheapest Rhode Island Car Insurance For Drivers With An At-Fault Accident: USAA
Getting into a car accident in Rhode Island can raise the cost of your car insurance. USAA tends to offer the most affordable rates on average at about $42 per month or $504 per year for minimum coverage and $141 per month or $141 per year for full coverage.
| Cheapest Car Insurance in Rhode Island | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $42 | $141 |
| Travelers | $60 | $176 |
| GEICO | $84 | $238 |
| Quincy Mutual | $91 | $255 |
| Nationwide | $106 | $208 |
| Progressive | $109 | $234 |
| Allstate | $112 | $271 |
| American Family | $113 | $226 |
| Farmers | $127 | $374 |
Cheapest Rhode Island Car Insurance For Drivers With A DUI: USAA
If you’re a motorist with a DUI on record, you may find the cheapest minimum car insurance in Rhode Island from USAA for $85 per month or $1,017 per year on average. They also have rates of $262 monthly or $3,142 annually for full coverage.
| Cheapest Car Insurance in Rhode Island | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $85 | $262 |
| Progressive | $114 | $249 |
| Travelers | $116 | $293 |
| Quincy Mutual | $157 | $472 |
| Allstate | $169 | $397 |
| American Family | $182 | $350 |
| Nationwide | $210 | $397 |
| Farmers | $218 | $630 |
| GEICO | $241 | $638 |
Cheapest Rhode Island Car Insurance For Drivers With Poor Credit: USAA
People who have low credit scores have to pay more money for car insurance. Those who don’t have the best credit history may want to check out USAA, which has an average minimum-coverage rate of $78 per month or $937 per year and an average full-coverage rate of $298 per month or $3,572 per year.
| Cheapest Car Insurance in Rhode Island | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| USAA | $78 | $298 |
| GEICO | $89 | $265 |
| Travelers | $128 | $374 |
| Nationwide | $144 | $298 |
| Progressive | $155 | $378 |
| Allstate | $202 | $493 |
| Quincy Mutual | $218 | $653 |
| American Family | $224 | $587 |
| Farmers | $269 | $836 |
Average Cost Of Car Insurance In 10 Rhode Island Cities
Another thing that determines how much you have to pay for car insurance in Rhode Island is where you live. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger numbers of people
- There are additional vehicles driving on the road.
- More car accidents happening frequently
- More instances of breaking traffic rules
- More incidents of car theft and car vandalism
- Extreme weather conditions.
Certain factors that increase the likelihood of risks tend to have a greater impact on people who own cars in bigger cities. As a result, individuals driving in busy cities tend to pay the highest average amount for car insurance with minimum coverage. On the other hand, drivers in rural areas with lower crime rates and smaller populations are more likely to be offered lower insurance rates.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Providence | $132.59 | $316.65 |
| Pawtucket | $116.50 | $270.90 |
| Woonsocket | $91.88 | $220.72 |
| Cranston | $109.89 | $257.11 |
| Coventry | $85.35 | $204.21 |
| Warwick | $92.54 | $207.80 |
| Bristol | $83.38 | $191.83 |
| Newport | $70.70 | $164.83 |
| North Kingstown | $79.47 | $190.28 |
| Westerly | $72.67 | $172.07 |
Top 5 Car Insurance Companies In Rhode Island
We’ve looked at more than 40 insurance companies to find the best five for people in Rhode Island. We considered things like cost, coverage, service, and reliability. Based on our research, we found USAA to be the best provider for most drivers in Rhode Island. Here are our ratings for the choices we recommend.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 Travelers | 4.6 | 4.4 | 4.9 | 4.5 | 4.2 |
| #2 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #3 Progressive | 4.5 | 4 | 4.8 | 4.8 | 4.1 |
| #4 USAA | 4.5 | 4.7 | 4.8 | 4.5 | 4.3 |
| #5 Allstate | 4.4 | 3.8 | 4.6 | 4.8 | 4.2 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Rhode Island
You can reduce how much you pay for car insurance in Rhode Island in several ways. These include:
- Opting for minimum coverage: If you only get the bare minimum coverage required by your state, you can have the cheapest car insurance available.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Getting price estimates from several different companies can assist you in determining which provider will give you the most favorable offer.
Many insurance companies offer usage-based insurance programs as an additional way for people to save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you may receive a significant discount. However, there are certain programs that might increase your rates if you engage in risky driving behaviors.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Rhode Island Require For Car Insurance?
Drivers in Rhode Island must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $25,000 property damage liability per accident
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Rhode Island
When it comes to both minimum and full coverage, USAA is the best and cheapest car insurance company for most drivers in Rhode Island. While the above costs can give you an idea of what you’d pay for car insurance in Rhode Island, seeking an individualized rate will help give you a more accurate picture of what you’ll pay.
Many companies offer convenient online tools to get insurance quotes quickly and for no charge. Alternatively, you can make a phone call to a company’s insurance agent or representative. Once you have gathered at least three quotes from different providers, compare them to find the one that suits you best.
Best Cheap Car Insurance In Rhode Island: FAQ
How much is car insurance per month in Rhode Island?
The average cost of minimum-coverage car insurance in Rhode Island is $91 per month or $1,095 per year. For full coverage, the average is $229 per month or $2,745 per year.
Is Rhode Island car insurance cheaper?
Rhode Island auto insurance is typically more expensive than the national average. Nationwide, the average cost of minimum-coverage insurance is $670 per year, while the average in Rhode Island is $1,095 per year. For full coverage, residents of Rhode Island pay about $2,745 per year on average, which is more than the national average of $2,216 per year.
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.