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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the adept advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the lector. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow stern guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and reliable information. We value your trust. Our mission is to provide readers with accurate and indifferent information, and we have column standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the data you ’ ra interpretation is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Bankrate follows a nonindulgent editorial policy, so you can trust that we ’ ra putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right fiscal decisions. All providers discussed on our locate are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ ra putting accuracy first. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — thus you can feel confident about which supplier is correct for you. Bankrate follows a nonindulgent editorial policy, so you can trust that we ’ ra putting your interests first. All of our message is authored by highly qualify professionals and reviewed by subject matter experts, who ensure everything we publish is objective, accurate and worthy of your hope. Founded in 1976, Bankrate has a long track commemorate of helping people make smart fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making summons and giving people assurance in which actions to take future. While we adhere to strict column integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by ( NPN : 8781838 ). For more information, please see our Insurance disclosure. Rhode Island is the smallest state, but it has one of the highest population densities. As of 2019, there were an estimated 761,000 accredited drivers in the state and closely 869,000 file vehicles. Every driver in Rhode Island is required to carry a minimum come of car policy in order to legally operate a vehicle. possibly because of the high count of drivers and cars on the roads in such a small area, car policy rates in Rhode Island are higher than the national average. An annual full coverage car insurance policy costs $2,018, and a minimum coverage policy costs an average of $749 per year. If you are looking for the cheapest car policy in Rhode Island, Bankrate ’ s research could make your search easy .

The cheapest car insurance in Rhode Island

Bankrate ’ s indemnity editorial team analyzed current premium data, obtained from Quadrant Information Services, for the largest indemnity carriers by market partake in Rhode Island. In addition to evaluating average premiums, we besides reviewed each company ’ mho coverage options, available discounts and third-party rankings. If you are looking for cheap car insurance in Rhode Island, these companies could be a dependable start point :

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Amica $512 $1,810
USAA $523 $1,297
Travelers $558 $1,308
Geico $643 $1,798
Nationwide $766 $1,722


Amica is a Rhode Island-based policy company and received the highest official ranking in New England for overall customer satisfaction in the 2020 J.D. Power Auto Insurance learn. The party offers the lowest average minimum coverage premium on our list, and its entire coverage bounty is lower than Rhode Island ’ second median. Amica is one of the few property and casualty policy companies that offers dividend policies, where drivers might recoup up to 20 % of their premium at the goal of the policy period. Amica besides has discounts for homeowners, patriotic customers, full students, dependable drivers, students away at school, signing up for automatic pistol payments and having certain vehicle safety features. Learn more : Amica Insurance inspection


If you are a stream or adjourn military extremity of the immediate class extremity of a military member or seasoned, USAA might be a great choice for car indemnity coverage. The company offers the cheapest fully coverage on our tilt, in addition to numerous discounts to help you save even more. Although USAA is not eligible to receive official ranking from J.D. Power ascribable to its eligibility restrictions, the company did receive the highest phone number of points in the 2020 U.S. Auto Insurance Study in New England. If you are looking to save flush more money on your premium, USAA offers discounts for raw car owners, condom drivers and good students. You might besides save for garaging your fomite on a military base or storing your cable car while you are deployed. If you want to customize your coverage, you could add options like wayside aid or accident forgiveness.

Learn more : USAA Insurance review


Travelers may be a good option if you are looking for plenty of optional coverages, like ridesharing coverage, new cable car replacement, col insurance, roadside aid and accident forgiveness. In addition to great coverage choices, Travelers besides offers many deduction options. There are savings opportunities for owning a hybrid or electric car, having continuous insurance, getting a quotation mark anterior to your current policy die, taking a driver training run, being a good student, insuring multiple vehicles, owning a dwelling and more. Learn more : Travelers Insurance review


Although not the cheapest company on our list, Geico may be a good choice if you prefer to handle your policy digitally. The company offers a strong on-line customer portal vein and a highly-rated mobile app. The app has over 2.7 million reviews on the App Store and a rate of 4.8 out of 5.0. Over 376,000 people have reviewed the Google Play version of the app and besides rated it 4.8 out of 5.0. From within the app, you can view ID cards, make changes to your policy, bid for wayside aid and file a claim. Geico besides offers a long list of discounts that could help you keep your premium first gear. You might save for having a fomite with guard features like anti-lock brakes, air bags, day running lights or an anti-theft system. There are besides savings for federal employees, military members, adept students and safe drivers. Geico besides received an above-industry-average customer satisfaction score from J.D. Power in the New England region. Learn more : Geico Insurance review


Nationwide has the highest minimal coverage bounty on our tilt and the second-highest wax coverage bounty, but you may still want to consider a quote. The caller offers enough of optional coverages that could allow you to tailor your policy to your needs. You may choose to add accident forgiveness, towing and labor coverage or gap insurance. You could besides participate in the Vanishing deductible program, which takes $ 100 off your deductible every class you do not file a claim, up to $ 500 sum. Nationwide besides offers several discounts you may be able to take advantage of. You could save money by insuring multiple cars or buying multiple policies from Nationwide, being accident free, signing up for automatic pistol payments or being a defensive driver. Nationwide besides offers two telematics programs, SmartRide and SmartMiles, which might save you money based on your individual drive habits. Learn more : countrywide Insurance revue

Minimum coverage requirements for Rhode Island drivers

car insurance is a legal prerequisite in Rhode Island, as it is in most states. In Rhode Island, you must purchase the comply minimum limits to drive legally :

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

policy companies in Rhode Island are besides required to offer you uninsured motorist coverage and underinsured motorist coverage, although you can decline these coverages in writing, regardless of the indebtedness limits that you choose. Drivers who choose to purchase minimum coverage often pay the lowest rate. however, minimum coverage limits could leave you with brawny out-of-pocket expenses if you cause an accident and the injuries or damages exceed your indemnity limits. Most indemnity professionals recommend that you purchase higher limits if you can afford to. minimum coverage does not provide any coverage for wrong to your own vehicle ; that requires that you purchase comprehensive and collision coverages, which constitute fully coverage. If you have a loanword or lease on your fomite, your fiscal initiation likely requires that you carry entire coverage, and may even have other requirements, like higher liability limits or a hood on your deductible level .

How to get cheap car insurance in Rhode Island

If you are looking for the cheapest car indemnity in Rhode Island, you may want to start with getting quotes from low-cost providers, but there are early ways you might be able to save money. here are some ways to potentially get a lower rate :

  • Compare rates: Getting quotes from several different insurance companies to see which one can give you the lowest rate for the amount of coverage you want might help you find a policy at a lower price.
  • Pay in full: Drivers who can afford to pay their car insurance premium in full may get a discount.
  • Take a defensive driving course: Many insurance companies have a discount for drivers who complete an approved defensive driving course.
  • Improve your credit score: Your credit score impacts your car insurance rate, because drivers with lower credit scores statistically file more claims. Increasing your credit score might help you save money.
  • Use discounts: When choosing a provider, consider which of its discounts you qualify for. Taking advantage of discounts is one of the easiest ways to save money on car insurance.

car indemnity is a individualized purchase, meaning that the ship’s company, coverages, policy features and discounts that you choose will depend heavily on your individual circumstances. Taking stock of what you want and need from a company might help you find a policy that is right for you .

Frequently asked questions

What is the best car insurance in Rhode Island?

The best car indemnity in Rhode Island varies based on each driver ’ randomness individual needs and unique situation. Some drivers are looking for the lowest rates, some are looking for the best customer service and others are looking for peculiarity coverages. Rhode Island drivers might want to shop around and comparison providers to find the party that meets their personal needs .

What is the average cost of car insurance in the U.S.?

In the United States, the average full coverage car insurance policy costs $ 1,674 per year. Minimum coverage costs, on median $ 565 per year. In Rhode Island, the modal wide coverage policy costs $ 2,018 per year and minimal coverage is $ 749 annually. The higher-than-average prices could be due in separate to the dense population of Rhode Island .

What does full coverage car insurance include?

“ Full coverage ” means that your car insurance policy includes coverage for damage to your own vehicle in the form of comprehensive examination and collision coverages. however, some companies may consider full coverage to include other options as well, like uninsured and underinsured motorist coverage, medical payments coverage, roadside aid and car rental reimbursement.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, adept credit and the take after full coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimal coverage limits, Bankrate used minimum coverages that meet each state ’ mho requirements. Our base profile drivers own a 2019 Toyota Camry, change five days a week and repel 12,000 miles per annum. These are sample distribution rates and should lone be used for comparative purposes .

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