Services
Insurance
Repairs
Advice
About

Cheapest Car Insurance in Rhode Island (Oct 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Rhode Island.
background
Find Insurance Savings
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
background
avatar
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
icon
Reviewed by Josh Damico, Vice President Insurance Operations
icon
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance quotes in Rhode Island

There’s no single car insurance company that offers the cheapest premiums across the board. That’s why it’s in drivers’ best interests to seek out
car insurance quotes
from multiple providers to find the best possible deals for the coverage they need.
Conveniently,
Jerry Insurance Agency
allows Rhode Island drivers to find and compare quotes in an instant—and even helps you cancel your current policy and transition to your new one.
Insurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Allstate
$204
Mitsubishi Outlander Sport ES
• State Minimum Liability
Safeco
$134
Jeep Grand Cherokee Limited
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$171
Dodge Challenger R/T
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$246
Jeep Grand Cherokee Laredo
• 100,000/300,000 Liability
• Comp / Collision
National General
$134
KIA Optima Hybrid
• 15,000/30,000 Liability
coverageLast Updated Oct 11, 2024

Cheapest car insurance companies in Rhode Island

To find out what companies offer the cheapest car insurance rates in Rhode Island, Jerry conducted the nation’s largest insurance shopping survey.
Here’s what we found: There’s no single car insurance company that offers the cheapest rates for every driver across the board—which is why
it pays to shop around
.
Of course, the best car insurance companies know that customer satisfaction is just as important as cost.
Insurance companyDateCost rating (out of 5)What our customer said:
AAA
October 11, 2024
5
"I’ve had the policy for over 10 years. Their rates are affordable and their customer service team are always helpfull...(read more)"
-Ricardo
Progressive
October 10, 2024
5
"Easy experience so far. Getting signed up was a breeze. No issues thus far. "
-Alan
USAA
October 9, 2024
4
"Ok"
-Lee
Mercury
October 7, 2024
3
"Good "
-Alvin
Dairyland
October 5, 2024
3
"They always giving misinformation "
-Howard
coverageLast Updated Oct 11, 2024
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
The bottom line: Using a
car insurance
comparison app or website is one of the fastest, easiest ways to find cheap rates on car insurance. Jerry offers end-to-end service for car insurance shoppers. With over 100+
licensed insurance agents
, Jerry can help you set up your new policy and cancel your old one once you’ve found the right coverage at the right rate.

Minimum car insurance requirements for liability and full coverage in Rhode Island

Like most states, Rhode Island drivers are subject to
minimum car insurance requirements
. Depending on your situation, you may also want to consider full coverage to protect your own vehicle in addition to what’s legally required.

Cheapest minimum liability coverage in Rhode Island

At minimum, Rhode Island drivers are legally required to have the following
liability insurance
:
Altogether, these liability coverage limits are sometimes referred to as 25/50/25.
Rhode Island also requires
uninsured motorist coverage
in most cases, but you have the option to decline it if you choose a policy with only the minimum liability coverage amounts listed above.
Here’s what Rhode Island drivers have paid for minimum liability coverage after shopping with Jerry.
card cover
Bertie (25 years old)
coverageCoverage
State Minimum
carFord Fusion SE
$110
per month
card cover
Frances (35 years old)
coverageCoverage
State Minimum
locationSmithfield, RI
carNissan Sentra S
$168
per month
card cover
Bobby (44 years old)
coverageCoverage
State Minimum
carHyundai Sonata GL
$281
per month
card cover
Bruce (38 years old)
coverageCoverage
State Minimum
carMitsubishi Outlander Sport ES
$204
per month
card cover
Trevor (41 years old)
coverageCoverage
State Minimum
locationNarragansett, RI
carFord Escape S
$166
per month
card cover
Hannah (28 years old)
coverageCoverage
State Minimum
locationProvidence, RI
carHonda Accord LX
$86
per month

Do you need more than the minimum liability insurance coverage in Rhode Island? 

In most cases, Rhode Island drivers will want to have more than the minimum required 25/50/25 liability coverage. 
One major reason is that more severe car accidents can easily exceed these minimum limits—and if you’re found at fault for an accident, you’ll need to cover the rest of the damage costs yourself. For this reason, insurance experts generally recommend choosing higher liability limits, such as 50/100/50 or 100/300/100.
A second reason is that liability coverage only covers others’ injuries and damages—not your own. Without additional coverage types, you could be on the hook for covering your own medical costs or damage to your own vehicle.
Lower my car insurance too!

Cheapest full coverage Rhode Island auto insurance quotes

In order for your auto insurance policy to cover damage to your own car, you’ll want full coverage.
In addition to liability coverage, full coverage adds
comprehensive
and
collision coverage
to your policy. 
Collision insurance covers repair and replacement costs after an accident, while comprehensive coverage covers events other than collisions—like theft, severe weather, or hitting an animal.
Keep in mind: If you have a car loan for your vehicle, know that lenders commonly require you to carry full coverage for the duration of your loan. In fact, they’ll likely require proof of full coverage
before funding your vehicle sale
.
Here are rates other Jerry customers in Rhode Island have found for
full coverage car insurance
.
Insurance CoverageInsurance CompanyPremium (monthly)CustomerCar
• 100,000/300,000 Liability
• Comp / Collision
Progressive
$241
Toyota RAV4 HV LE
• State Minimum Liability
• Comp / Collision
Travelers
$281
Hyundai Sonata GL
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$249
Toyota Corolla L
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$164
Nissan Rogue S
• 100,000/300,000 Liability
• Comp / Collision
Safeco
$170
Audi Q7 Premium Plus
coverageLast Updated Oct 11, 2024

Average rates for minimum liability coverage and full coverage car insurance in Kansas

Jerry’s data shows that the average cost of minimum liability coverage in Rhode Island is $0 per month or $0 per year. A full coverage policy in Rhode Island has an average annual premium of $0, or $0 per month.
Remember: Reviewing average insurance rates can be helpful as you start your insurance shopping journey, but actual premiums can be highly dependent on individual factors, such as:
  • Your location
  • Your demographics
  • The type of car you drive
  • Your driving record
  • Your accident and claims history
  • The level of coverage you choose

Rhode Island car insurance: Additional coverages

Collision and comprehensive coverage aren’t the only additional coverages you can consider in Rhode Island. These optional coverage types are also available:
If you’re currently paying off a car loan: Consider
gap insurance
, especially for newer vehicles. If your car ends up totaled, gap insurance will cover the remaining balance on your car loan if you owe more than it’s worth.
If you routinely borrow someone else’s car and don’t own one yourself: Consider a
non-owner car insurance
policy. This will provide you with the liability coverage you’ll need. Just keep in mind it
won’t cover the vehicle itself
since the owner’s policy would need to do this.

Car insurance premium by rating factors

Rhode Island auto insurance providers consider a wide range of factors when calculating your premium, such as: 
  • The type of car you drive: Collision and comprehensive coverage are more costly for luxury, and high-value vehicles.
  • Where you keep the car: Rates will usually be higher in more populated cities and in areas with higher crime or accident rates. Vehicles that can be stored in a secure garage will usually cost less to insure since they’re presumably better protected.
  • Your driving record: Good drivers with clean driving records can often qualify for some of the cheapest options for coverage. Expect higher insurance costs with numerous or severe violations.
  • Your claims history: Insurance carriers will charge more if you’ve filed insurance claims in the past.
  • How you use your car: You’ll likely pay more to insure the vehicle you drive to work daily than the one you occasionally drive for leisure.
  • Your credit score: If you have good credit, you’ll likely find it easier to get cheap auto insurance.

How Do Different Factors Impact Your Car Insurance Costs in Rhode Island?

icon
Allowed (with applicable limitations): Age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
icon
Prohibited (or effectively prohibited): Rhode Island currently does not allow gender as a rating factor when calculating insurance premiums.
Learn more abut the car insurance rating factors in Rhode Island:

Cheapest Rhode Island car Insurance after a driving violation

Your driving history
is a major factor that will affect your car insurance rate. Numerous violations—and especially severe ones—usually deem you a higher risk and can leave you with a more expensive premium.

Cheapest car insurance for Rhode Island drivers with a speeding ticket

Speeding tickets
will usually cause your insurance costs to rise in Rhode Island, but some will have more of an impact than others. A ticket for driving 22 mph over the speed limit, for example, will likely result in a steeper rate hike than a speeding ticket for just 3 mph over the speed limit.
Here are rates Rhode Island drivers have found through Jerry after receiving a speeding ticket.
Speeding TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Speeding 1-5
Safeco
$125
• 100,000/300,000 Liability
• Comp / Collision
Speeding 11-15
Safeco
$232
• 50,000/100,000 Liability
• Comp / Collision
Speeding 16-20
Safeco
$229
• State Minimum Liability
• Comp / Collision
coverageLast Updated Oct 15, 2024

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive
Fast response to questions, problems solved quickly
John
National General
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Travelers
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Safeco
Safeco has provided great service as my current carrier.
Marcus

How to find cheap Rhode Island auto insurance after a DUI

A
DUI violation
can send your Rhode Island car insurance costs skyrocketing.
But some providers may charge you less than others for car insurance moving forward, so shopping around could help you keep insurance costs as affordable as possible.
Take a look at rates Rhode Islanders have found with Jerry after receiving a DUI.
card cover
Ellen (37 years old)
DUI
coverageCoverage
State Minimum
$57
per month
card cover
Sally (39 years old)
DUI
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$56
per month

Rhode Island SR-22 insurance

After a serious violation, like a DUI or reckless driving, you might become subject to
SR-22 requirements
.
What this means: Your car insurance provider will need to
file an SR-22
certificate on your behalf to confirm with the state of Rhode Island that you have the required amount of car insurance coverage.
While some auto insurance companies won’t offer coverage to SR-22 drivers, others specialize in offering coverage to
high-risk drivers
and can work with you to file your SR-22.

Cheapest Rhode Island auto Insurance after an at-fault accident

Your accident history—especially when it comes to at-fault accidents—will play a significant role in determining your car insurance rate, as will any past claims you might have made.
Drivers who have recently had one or more at-fault accidents can often see steep premiums.
Accident TypeInsurance CompanyPremium (monthly)CustomerInsurance Coverage
At Fault With Injury
Progressive
$198
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Progressive
$161
• 50,000/100,000 Liability
• Comp / Collision
Not At Fault
Nationwide
$246
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Allstate
$302
• 50,000/100,000 Liability
• Comp / Collision
At Fault With Injury
Safeco
$356
• State Minimum Liability
• Comp / Collision
coverageLast Updated Oct 12, 2024

FAQ

Rhode Island is an at-fault state
: This means that after a collision, the driver determined to be at fault will be considered financially responsible for resulting damages and injuries.
In at-fault states, there’s always the risk that an at-fault driver may not have adequate insurance—in which case uninsured/underinsured motorist coverage can provide extra financial protection. Rhode Island car insurance providers must offer at least $25,000 per accident in uninsured/underinsured motorist coverage, but drivers have the option to opt out.

Cheapest auto insurance after other violations in Rhode Island

Different violations will have varying effects on your car insurance costs in Rhode Island. 
To get a better sense of how these costs can vary, here’s a look at the rates Jerry users have found for various violations, from careless driving to improper parking.
ViolationInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Cell Phone
Progressive
$757
Honda Civic SI
• State Minimum Liability
• Comp / Collision
Defective Equipment
Safeco
$93
Volkswagen Jetta SE
• State Minimum Liability
Driving on Sus. License
Allstate
$285
KIA Optima LX
• State Minimum Liability
• Comp / Collision
DUI
Progressive
$138
Honda Accord LX
• State Minimum Liability
Failure to Obey Signal
Nationwide
$191
Jeep Compass Sport
• State Minimum Liability
Illegal Turn
Safeco
$164
Honda Accord EXL
• 50,000/100,000 Liability
• Comp / Collision
Improper Passing
Progressive
$138
Honda Accord LX
• State Minimum Liability
Leaving scene of an Accident/Hit and Run
Safeco
$270
Jeep Grand Cherokee Laredo
• 50,000/100,000 Liability
• Comp / Collision
Speeding 16-20
Progressive
$137
Infiniti QX60
• State Minimum Liability
• Comp / Collision
Speeding Violation-Minor
Travelers
$134
Honda Accord EX
• 100,000/300,000 Liability
• Comp / Collision
Suspension
Nationwide
$137
Nissan Altima SE
• State Minimum Liability
Wrong Way/Wrong Lane
Progressive
$315
Nissan Maxima S
• State Minimum Liability
• Comp / Collision
Other Minor
Allstate
$167
Nissan Rogue S
• State Minimum Liability
coverageLast Updated Oct 15, 2024

Cheapest Rhode Island auto insurance based on insurance history

Insurers prefer to see policyholders that maintain continuous coverage—so a
lapse in your insurance coverage
could leave you paying more for insurance.
To help you keep your insurance policy in good standing, Jerry can send payment reminders and even late payment warnings.
card cover
Matthew (79 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carChevrolet Sonic LT
$159
per month
card cover
Eugene (37 years old)
Not Currently Insured
coverageCoverage
State Minimum
locationProvidence, RI
carNissan Maxima S
$115
per month
card cover
Ruby (41 years old)
Currently Insured
coverageCoverage
State Minimum
carLexus RX 350
$125
per month
card cover
Brian (38 years old)
Not Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carJeep Grand Cherokee Laredo
$339
per month
card cover
Leon (46 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
carChevrolet Traverse LT
$210
per month
card cover
Floyd (29 years old)
Not Currently Insured
coverageCoverage
15,000 per person
30,000 per accident bodily injury
Comp / Collision
locationProvidence, RI
carFord Fusion SE Hybrid
$281
per month

Cheapest car insurance for drivers with poor credit

Statistically,
drivers with poor credit
history are considered more likely to file claims, which leads to higher average insurance costs.
To save more on your car insurance, you can take steps where possible to strengthen your credit score.
Take a look at rates Rhode Island drivers with varying credit scores have found for car insurance. 
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$125
Chevrolet Silverado K1500 LT
• State Minimum Liability
• Comp / Collision
660 - 750
Safeco
$76
Honda Civic LX
• State Minimum Liability
• Comp / Collision
550 - 659
Safeco
$164
Volkswagen Taos SE
• State Minimum Liability
• Comp / Collision
< 550
Progressive
$408
Dodge Durango GT
• State Minimum Liability
• Comp / Collision
coverageLast Updated Oct 13, 2024

Cheapest Rhode Island car insurance by age

Young drivers and those without an
unrestricted driver’s license
pay some of the highest car insurance rates, but after age 19, safe drivers will usually see their premiums decline over time. On average, premium costs start to increase again around age 75.

Cheapest Rhode Island car insurance for young drivers

Out of any age group in Rhode Island, teen drivers can expect to pay the most for car insurance.
This is largely due to their increased risk for accidents while they’re still early on in gaining experience behind the wheel.
This also makes full coverage worth considering for young drivers—especially those who are driving newer or more valuable vehicles.
card cover
Fannie (22 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
carHonda Civic LX
$173
per month
card cover
Jesse (23 years old)
coverageCoverage
State Minimum
locationProvidence, RI
carFord Fusion S
$193
per month
card cover
Catherine (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carHonda Accord LX
$366
per month
card cover
Jack (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carVolvo S60 2.5T
$251
per month
card cover
Calvin (24 years old)
coverageCoverage
State Minimum
carHonda Accord Sport
$241
per month
card cover
Alberta (22 years old)
coverageCoverage
15,000 per person
30,000 per accident bodily injury
carNissan Leaf S
$91
per month

Cheapest Rhode Island car insurance for senior drivers

Due to an increased risk for accidents, and the likelihood for severe injuries if an accident does happen, car insurance premiums typically start to rise again as you reach your mid-seventies.
Here are some of the rates senior drivers have been able to find with Jerry.
card cover
Laura (79 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
carChevrolet Sonic LT
$159
per month
card cover
Nell (66 years old)
coverageCoverage
State Minimum
carFord Fusion SE
$60
per month
card cover
Jose (73 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationWarren, RI
carHonda Accord EX
$134
per month

Over 3,500,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Progressive
I always shared a good relationship with progressive
Jeffrey
Safeco
The policy offered is about $40 cheaper than my previous car insurance carrier.
Tyler
National General
I like this insurance a lot
Krista
AAA
I love this. I'm not paying and arm and a leg to keep my vehicle on the road
Eason

How to find car insurance discounts in Rhode Island for your motor vehicle

What kind of car you drive has a significant impact on your car insurance costs. Insurers will evaluate your vehicle’s safety, theft risk, repair and replacement costs, and other factors when calculating your premium.
Some of the most popular vehicles in Rhode Island include: 
Popular CarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Toyota RAV4 LEProgressive
$212
• State Minimum Liability
• Comp / Collision
coverageLast Updated Oct 15, 2024

Is it cheaper to insure a new car or a used car?

Generally, newer cars cost more to insure than older ones. This is because their replacement cost is higher in the event of an accident and they may be more appealing targets for theft. 
Used cars, on the other hand, typically have a lower overall value, resulting in cheaper insurance premiums since the cost to the insurance company for a total loss is less.
card cover
Allie (36 years old)
2003 Honda Element EX
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$284
per month
card cover
Janie (21 years old)
2003 Honda CR-V EX
coverageCoverage
State Minimum
locationProvidence, RI
$311
per month
card cover
Jennie (44 years old)
2003 Hyundai Sonata GL
coverageCoverage
State Minimum
$177
per month
card cover
Louisa (33 years old)
2002 Lexus ES 300
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$161
per month
card cover
Chad (43 years old)
2004 Nissan Sentra 1.8
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$320
per month
card cover
Ola (50 years old)
2002 Honda CR-V EX
coverageCoverage
State Minimum
locationProvidence, RI
$250
per month

How to find cheap car insurance in Rhode Island in your city

Among other factors, car insurance providers will consider where your car is kept to determine insurance costs.
Your city’s population density, crime rates, accident rates, and weather trends all affect what sorts of risks your vehicle may be exposed to. Even within the same city, different zip codes may have different rate trends.
Drivers who are able to keep their vehicles in a locked garage, where the vehicle is protected from tampering and the elements, can often see lower insurance rates.
Here’s what rates for some Rhode Island drivers look like across the state.
CityCustomerInsurance CompanyPremium (monthly)CarInsurance coverage
Coventry, RI
Bertie, 25
Progressive
$110
Ford Fusion SE
• State Minimum Liability
Coventry, RI
Clarence, 47
Nationwide
$99
Jeep Cherokee Trailhawk
• No Coverage Liability
East Providence, RI
Bruce, 38
Allstate
$204
Mitsubishi Outlander Sport ES
• State Minimum Liability
Pawtucket, RI
Leona, 42
Travelers
$105
Chrysler 200 Limited
• 20,000/40,000 Liability
• Comp / Collision
Coventry, RI
Madge, 40
Safeco
$103
Jaguar XE Premium
• 100,000/300,000 Liability
• Comp / Collision
Coventry, RI
Victoria, 33
National General
$134
KIA Optima Hybrid
• 15,000/30,000 Liability
Central Falls, RI
Myrtle, 22
Aspire Advantage
$90
Nissan Leaf S
• 15,000/30,000 Liability
coverageLast Updated Oct 11, 2024

How to lower the cost of car insurance in Rhode Island

Courtesy of Jerry’s licensed insurance agents, here are several ways you could save on your Rhode Island car insurance costs:
  1. Shop around and compare quotes. 
  2. Bundle your car insurance with home insurance
    or renters insurance to get a discount. 
  3. Find out what
    insurance discounts
    you’re eligible for—like good student discounts, safe driver discounts, or responsible payer discounts.
  4. Take steps to boost your credit score. 
  5. Increase your deductible for your comprehensive and collision coverage (just be sure you can cover the out-of-pocket cost).
  6. Take an approved
    defensive driving course
  7. Consider dropping collision and comprehensive coverage on older, low-value cars. 

Why is car insurance so expensive in Rhode Island?

For all the factors determining your car insurance costs that are within your control, there are plenty outside of it. Your Rhode Island car insurance rate might be affected by:
  • Your city’s population density
  • Local accident and crime rates
  • Rising repair costs
  • Uninsured drivers
  • Healthcare costs
  • Severe weather risks

FAQs

Yes. Rhode Island requires all drivers to carry insurance in accordance with state minimums to drive legally.
Since car insurance rates are based on a multitude of factors that can be highly specific to an individual, there’s no single car insurance provider that will offer the best service or the cheapest rates for everyone. To find savings on car insurance, it’s a good idea to seek out multiple quotes and compare your options.
Jerry’s survey of 15,000+ auto insurance policyholders shows that there’s no insurance provider that will offer the cheapest rates for everyone across the board.
That’s why comparing multiple car insurance quotes is one of the best ways to find savings on car insurance in Rhode Island.
Drivers in Rhode Island are legally required to carry at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as at least $25,000 in property damage liability. These liability limits are sometimes referred to as 25/50/25.
Rhode Island also requires uninsured/underinsured motorist coverage in most cases, but you have the option to decline it if you choose a policy with only the minimum liability coverage amounts listed above.
Yes. Driving without car insurance is illegal in Rhode. It’s also illegal to have a vehicle registered with the state that is not also covered with adequate insurance for its purposes.
If you own a vehicle in Rhode Island that you don’t often drive, but you have it registered, you should check out the costs for
parking or storage insurance
or
classic car insurance
if it’s a collector vehicle. Jerry can get you the best price for both!
Drivers in Rhode Island are legally required to carry at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as at least $25,000 in property damage liability. These liability limits are sometimes referred to as 25/50/25.
Rhode Island also requires uninsured/underinsured motorist coverage in most cases, but you have the option to decline it if you choose a policy with only the minimum liability coverage amounts listed above.
Rhode Island’s insurance premiums tend to be significantly higher than the national average due to several factors, including:
  • Heavily populated urban areas
  • Higher-than-average highway traffic
  • Higher-than-average number of uninsured motorists
Rhode Island's busy highways, densely populated urban areas, and high concentration of uninsured motorists tends to drive up average insurance rates across the board. Your individual RI insurance premiums could increase based on:
  • Your driving history
  • Where you live
  • The car you drive, and more
Car insurance providers in Rhode Island may check your credit history when calculating the cost of your premium. The stronger your credit score, the lower the rate you’ll likely see. 
In Rhode Island, insurance typically follows the car instead of the driver. However, to ensure you’re covered in whatever situation in which you find yourself driving, be sure to check with your provider.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our Experts

avatar
R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
avatar
Lina Zhang
badge icon
Licensed Insurance Agent
badge icon
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.