With a population of over 1 million, Rhode Island is the forty-fourth most populated state in the country and features over 12,741 miles of road. There are many factors that go into calculating the rate you pay for car policy. Below is a breakdown of how much drivers in Rhode Island give for coverage based on different factors. To learn more about indemnity requirements in Rhode Island, check out Rhode Island Car Insurance .

Rhode Island Car Insurance Rates by Age

typically car policy companies will charge more for younger drivers and provide discounted rates for older drivers. indemnity carriers see young drivers as inexperienced and have a greater gamble of getting in accident. In Rhode Island, the distinctive adolescent driver between the age of 16 and 19 will pay $ 272.30 per calendar month while a driver in their 40s will pay an average of $ 99.00 per calendar month .

Age Avg monthly rate
16 – 20 $272.30
20s $150.62
30s $101.68
40s $99.00
50s $93.34
60s $89.62
70s $89.43
Over 80 $90.76

Rhode Island Car Insurance Rates by Marital Status

marital couples in Rhode Island typically pay more for their car indemnity than drivers who are individual. This likely due to the dim-witted fact that there is more than 1 driver on the policy. Married couples besides will normally have more than one vehicle and could possibly have some adolescent drivers on the policy vitamin a good. In Rhode Island, Married couple typically pay around $ 106.29 per calendar month while single drivers average in around $ 120.87 per calendar month.

Marital Status Avg monthly rate
Divorced $112.80
Married $106.29
Single $120.87

Average Car Insurance Rates in Rhode Island by Credit Score

many factors go into the rate you pay for car insurance. Your age, localization, and vehicle are all part of the equation. indemnity companies besides take your credit score into circumstance. In Rhode Island, drivers with excellent credit pay an average of $ 134.09 per calendar month compared to drivers with poor credit who typically will pay $ 209.59 per calendar month .

Credit Rating Avg monthly rate
Excellent $134.09
Good $114.27
Poor $209.59

Car Insurance for High Risk Drivers in Rhode Island

Drivers with a estimable drive history typically will pay less for car insurance than person that had a DUI, speeding tickets, or an accident. Car indemnity companies see drivers with a bad drive history has being a bigger gamble. Drivers in Rhode Island with a dependable drive history normally pay about $ 116.13 per calendar month. Drivers with a badly driving history that may include tickets, DUI, or accidents will typically pay $ 152.53 per calendar month .

Safe Driver (No prior tickets, DUI, or accidents) Avg monthly rate
High Risk Drivers $152.53
Safe Drivers $116.13

Rhode Island Auto Insurance Rates by Homeownership

policy companies will besides take homeownership into history when factoring the rate you pay for insurance. In Rhode Island, drivers who own their home will normally pay around $ 112.36 per month while drivers who rent normally average in around $ 119.36.

Homeownership Avg monthly rate
Own $112.36
Rent $119.36

Currently Insured vs. Uninsured in Rhode Island

More often than not, drivers who presently have car indemnity coverage will receive a cheaper monthly rate than drivers who do not. Since car policy is a requirement in all 50 states, companies may question why you do n’t presently have coverage. Because of this, they may see you as a higher risk driver. In Rhode Island, the average monthly rate for a driver who is presently insured is $ 115.48 while drivers who not presently covered will pay around $ 122.03

Coverage Avg monthly rate
Not Currently Insured $122.03
Currently Insured $115.48

Rhode Island Car Insurance by Education

car policy companies will besides look at your education flat. Although not normally a significant component, your education can effect your monthly rate for car policy. In Rhode Island, a driver with a senior high school School Diploma will typically pay $ 167.90 per month vs. person with a Bachelors Degree who will be charged around $ 106.03 per calendar month .

Education Avg monthly rate
Associate Degree $110.32
Bachelors Degree $153.90
Doctorate Degree $128.37
High School Diploma $167.90
Masters Degree $106.03
Some College $155.59

Liability vs. Full Coverage Car Insurance in Rhode Island

Liability entirely coverage is typically cheaper and covers the monetary value of damage you may cause to other people or vehicles. Full coverage includes comprehensive and collision policy, possibly PIP and UM/UMPD, which would cover you, your vehicle and passengers if you had an accident, careless of demerit. In ( State ) the average rate for liability only coverage is about $ 108.75 per calendar month compared to Full coverage which will cost you about $ 119.46 per calendar month .

Coverage Avg monthly rate
Full Coverage $119.46
Liability Only $108.75

Methodology The statistics listed on this page are from our own in house report. We track and phonograph record quotes that carriers have provided based on diverse criteria. The rates and averages shown on this foliate should only be used as an estimate .

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