Car Insurance in Rhode Island

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Looking for cheap car insurance in Rhode Island?

Car insurance prices vary depending on where you live—and Rhode Island drivers have to deal with some of the more expensive rates in the country. Constant traffic congestion contributes to inflated insurance rates that can leave you paying more than you have to.
Insurance companies consider a lot of factors, including your location, when calculating your premium. But no two providers use the same formula, which means shopping around will help you save.
Whether you live in Pawtucket or elsewhere in the Ocean State, using Jerry is the best way to find affordable insurance fast.
Jerry is a free insurance shopping app and licensed broker that takes care of your car insurance needs from start to finish. All you have to do is answer a few questions to get access to a list of quotes from top providers. Once you make your choice, Jerry handles everything else—canceling your old policy, switching you over, and updating you on your renewals.
Here are some real quotes from customers in Rhode Island who saved money with Jerry:
Quote DateCarCityAgeCarrier
Before Jerry
After Jerry
January 18, 2021Mazda 6 SportWest Warwick26Safeco$300/mo.$128/mo.
October 13, 2021Mazda CX-5 TouringPawtucket23Progressive$178/mo.$137/mo.
June 20, 2021Dodge Durango CrewWoonsocket45Progressive$180/mo.$148/mo.
July 23, 2021Mazda 3 HatchbackWesterly50Allstate$199/mo.$162/mo.
July 8, 2021Honda Pilot EXEast Providence29Safeco$196/mo.$163/mo.
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How much does car insurance cost in Rhode Island?

The average cost of basic liability car insurance in Rhode Island is $2,526 per year. If you prefer to buy full coverage car insurance in Rhode Island, you can expect to pay an average cost of $2,855 per year.

How does the annual cost in Rhode Island compare to the rest of the country?

In comparison, the national average is $1,764 per year to buy basic liability car insurance and $2,486 per year to buy full-coverage car insurance.
Why is car insurance in Rhode Island more expensive? The following are a few things that contribute to their rates:
  • A high number of uninsured drivers.
  • Severe and inclement weather, such as hurricane remnants and coastal flooding.
  • High population density, which usually leads to higher accident rates.
Here’s how Rhode Island’s insurance savings stack up against nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
National Average$2,491$1,672$2,359$1,390$2,763$1,962
RINational Average
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
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Top auto insurance providers in Rhode Island

Many of the top insurance providers serve Rhode Island, including Allstate, Safeco, and Progressive.
It can be hard to choose between providers, though, as each has its own unique formulas to determine the risk presented by drivers.
Some of the factors that affect your rate are age, driving record, location, and type of vehicle. If you drive a BMW I8, for example, you’ll likely end up paying more than you would for a Mazda as pricier cars cost more to insure.
Customers with Jerry have found some great deals with popular insurers in Rhod Island. Take a look:
Insurance Company
Average Cost
Annual Savings with Jerry
Safeco$3,915$1,395Compare Prices
Nationwide$4,182$1,355Compare Prices
Allstate$4,209$1,285Compare Prices
Travelers$2,275$559Compare Prices
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What car insurance do you need in Rhode Island?

The majority of states have mandatory car insurance minimums that must be met before drivers can hit the road. In Rhode Island, you need the following:
Bodily injury liability$25,000 per person / $50,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$20,000 per accidentCovers the costs resulting from damage you cause to other people’s vehicles or property
It isn’t the best idea to get behind the wheel without the required insurance. Some of the penalties you may end up facing include:
  • Fines of up to $1,000.
  • Suspension of license, registration, and plates.
  • Combined reinstatement fees of more than $500.
  • SR-22 requirement for 1 year. While the minimum insurance will help cover your legal obligations, it won’t fully protect you if you’re involved in an accident. Here are more helpful coverage options worth considering: | —- | —- | | Collision insurance | Covers damages that are the result of a collision with a vehicle or stationary object | | Comprehensive insurance | Covers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster | | Uninsured motorist coverage | Reimburses you for your expenses from an accident caused by an uninsured driver. | | Personal injury protection | Covers medical expenses, lost wages, and rehabilitation costs after an accident. | | Rental reimbursement | Reimburses you for your rental car expenses while your car is being repaired after a claimable accident |
If you want cheap car insurance quotes fast, go to Jerry.
A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help you cancel your old policy.
And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price.
With the type of insurance you need in mind, let’s break down what impacts the cost.

How is your cost of car insurance determined in Rhode Island?

There are numerous factors that play a part in determining your insurance rates. The most important ones include age, driving record, location, and type of vehicle.

Cost to insure your car in Rhode Island by age

Insurers value driving experience. The younger you are, the less experience you have, which will likely be reflected in higher insurance premiums.
New drivers have a far higher chance of experiencing a crash or having a “close call” compared to their more experienced counterparts. This added risk leads insurers to charge higher premiums to drivers under the age of 25.
What young drivers in Rhode Island need to know
  • Graduated licensing laws in Rhode Island help young drivers develop the necessary skills they need to stay safe on the road.
  • Completing an approved defensive driving course can help young drivers to secure lower rates.
  • Maintaining a good average can qualify student drivers for a good student discount
It’s true that young drivers likely won’t receive the same low rates as their parents enjoy. But shopping around for affordable rates and maintaining a clean driving record can go a long way to helping lower premiums that are usually rather high.
Comparison shopping with Jerry, no matter your age, is the best place to start. Here are the average rates for drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
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Cost to insure your car in Rhode Island with a poor driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
In Rhode Island, insurance companies can access all your traffic offenses within the last five years. If you commit another violation within that period, it will be considered a second offense and you’ll be hit with even more serious penalties.
But there’s good news! Jerry can help Rhode Island drivers find great car insurance even with a blemish on their driving record:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$3,695$1,155
Leaving scene of an Accident/Hit and Run$4,404$3,076
Driving on Sus. License$4,229$1,454
Speeding under 15$3,465$997
Failure to Obey Traffic Sign$3,348$974
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Cost to insure your car in Rhode Island, based on where you live

Rhode Island’s urban centers may offer exciting activities, but their high density is also a hotspot for traffic accidents.
Your zip code and specific location does matter to insurance companies. Drivers in more urban hubs, who have higher rates of accidents, thefts, and claims, will typically pay more than those in urban areas.
The good news is that Jerry can help you find competitive car insurance in Rhode Island whether you live in Providence or Jamestown.
Here are the cheapest cities for car insurance in Rhode Island:
Average Cost
Annual Savings with Jerry
East Providence$2,871$1,091
North Providence$2,847$798
South Kingstown$3,108$366
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Cost to insure your car in Rhode Island, based on the type of car you drive

Finally, insurers will look at the type of car you drive when setting your premium. While it isn’t always the case, relatively inexpensive cars have lower insurance premiums because they cost less to repair or replace if you’re in an accident.
If you drive the relatively inexpensive Nissan Rogue, for example, your insurance rates should be on the more affordable side. Driving a pricy BMW 530 XI will most likely lead to higher premiums simply due to its high MSRP.
Here’s what it costs to insure some popular makes and models in Rhode Island, with and without Jerry:
Average Cost
Annual Savings with Jerry
Hyundai Sonata Sport$3,175$1,394
Dodge Durango SXT$3,000$1,379
Hyundai Sonata SE$3,628$1,200
Nissan Murano S$2,536$954
Lexus RX 350$2,512$872
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How to save money on car insurance in Rhode Island

No matter where you live, your driving experience, or the type of vehicle you drive, there are always ways to save money on your car insurance.

Shop around for quotes

The ideal way to find the best rates on all kinds of insurance is comparison shopping. But doing it yourself can lead to hours of research, repetitive calls, sorting through paperwork, and reading overly complicated policies.
​​If you’re shopping for car insurance, Jerry will generate competitive quotes from up to 50 providers in less than a minute. Jerry will finalize your new policy, cancel your old one, and it will keep you updated on the best prices every time your policy is up for renewal.
With Jerry, you’ll enjoy all the savings without any of the usual hassles that come with comparison shopping.

Look for discounts

Most insurance companies have a range of discounts that can be very helpful if you qualify for them. Be sure to reach out to your insurance agent and see which ones you qualify for!
Some of the most common car insurance discounts in Rhode Island include:
Discount typeWho is eligible?
Bundling your policiesGet your car and home policies from the same company and you could enjoy a reduced premium.
Green vehicle discount If you drive a hybrid or electric vehicle, you could be eligible for a good discount on your car insurance premium.
Good student discount Full-time students with good grades can usually qualify for a healthy discount on their car insurance premium. You may have to provide proof of enrollment and grade point average.
Safe driver discountHave you been accident-free for several years? Rhode Island drivers with a good record can usually get a “safe driver” discount. If you’ve never had a crash or a speeding ticket, ask about this discount. You may have to wait six months to prove that you’re a safe driver.
Telematics discountsIn exchange for installing a free telematics device in your vehicle, you could get a discount on your premium. The device passively tracks your driving behavior and allows the company to reward you for safe driving. There’s usually a discount just for signing up, too.
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Increase your deductible

An easy way to bring your insurance premium down is by increasing your deductible—sometimes fairly substantially.
You should only consider doing this if you can afford to pay the deductible in full each time you have to make a claim. You could otherwise find yourself in a precarious financial situation in the event of an accident.

Registering your car in Rhode Island

To register a car in Rhode Island, bring the following paperwork to the DMV:
  • A driver’s license or ID card.
  • Proof of insurance.
  • Proof of sales tax form.
  • A car title (TR-1) or signed lease agreement.
  • Emissions testing certificate, if applicable
  • Safety inspection certificate, if applicable
It’s usually best to make an appointment first. Once there, you’ll have to fill out a registration form that asks for some personal details as well as information about your vehicle.
Rhode Island drivers are required to renew their vehicle registration every two years.

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