Car Insurance in Rhode Island

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TABLE OF CONTENTS
  • How Much is Car Insurance in Rhode Island?
  • Real Quotes for Jerry.ai Customers in Rhode Island
  • The Cheapest Car Insurance in Rhode Island
  • Most Popular Insurance Companies in Rhode Island
  • Cost to Insure Different Cars in Rhode Island
  • Car Insurance Laws in Rhode Island
  • Car Registration Information in Rhode Island
Looking for car insurance in Rhode Island? Here you’ll find all the information you need on driving a car in The Ocean State, regardless of what kind of car you own, what your budget is, or what kind of driver you are. Whether you live in Providence or Cranston, Warwick or Pawtucket — you can read on for the cheapest car insurance, the best car insurance, and the laws you need to know for Rhode Island car insurance.

How Much is Car Insurance in Rhode Island?

Why do car insurance quotes differ by state? First of all, each state has different laws around what kind of coverage you need to legally drive. Insurance companies also look at the number of car accidents and thefts in an area, how much people are generally using their car, and how likely an area is to have a natural disaster, among other factors. But while you can’t always control where you live, you can get cheap car insurance by choosing an insurance policy that has the best rates for your needs. If you live in Rhode Island, here’s what you should know about how much you’ll pay for insurance: On average, drivers in Rhode Island pay $3,117.89 each year for car insurance. This means drivers in Rhode Island pay 6% above the average for the rest of the country. But however much you pay, you can use our advice on this page to save money.
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What’s Your Rate?

But how do you know what policy is right for you in Rhode Island? The truth is that insurance companies take many different factors into account when coming up with your quote. They create a profile based not only on where you live in Rhode Island, but also on your credit score, marital status, the kind of car you own, and much more.
Not only does your profile change what kind of price you’ll get on car insurance, but it also might change the kind of coverage you want! Not all tiers are the same, and it’s important to know what you’re looking for. You could save money on your monthly or yearly insurance premiums by having a higher deductible. But if you do get into an accident or need to file a claim, that choice will cause you to pay more out of pocket.
The best way to make sure you’re always getting the best coverage for the right price is to let us do all the legwork for you. We can compare quotes from over 40 different insurance companies and find you the best rates in 45 seconds — no matter what kind of coverage you’re looking for.

Real Quotes for Jerry.ai Customers in Rhode Island

CreatedCarsCustomerInsurance CompanyMonthly premiumAmount savedType of coverage
2021-01-05
  • Honda Civic Si
25 year old maleProgressive$93.17$95.83Basic
2021-03-23
  • Mazda 6 I
21 year old maleAllstate$424.25$25.75Standard
2021-01-21
  • Nissan Versa Note S
26 year old femaleProgressive$161.50$288.50Preferred
2021-02-23
  • Chevrolet Cruze Ltz
  • Chevrolet S Truck S10
33 year old maleProgressive$156.83$425.32Standard
2021-01-14
  • Subaru Impreza 2.5i
31 year old maleProgressive$79.50$34.50Basic

The Cheapest Car Insurance in Rhode Island

Which companies offer cheap car insurance in Rhode Island? Below, we’ve ranked Rhode Island car insurance companies based on which ones have, on average, the cheapest car insurance quotes for basic, standard, and preferred coverage levels for different profiles. These are averages to give you a sense of what drivers in your state are paying. But remember — it’s impossible to know what your quotes will be until you start comparing for yourself. That’s why we’re also showing you some real quotes we were able to find for our members recently. If you shop for insurance wisely, you can get a great deal without sacrificing your own safety and protection.
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Cheapest Car Insurance in Rhode Island for Basic Coverage

There’s all kinds of auto insurance you can get in Rhode Island, depending on what your priorities are. But if your priority is the least expensive premium payments, you’ll want to check out a basic plan. In most states you legally need car insurance to drive. Basic plans ensure that you have the minimum coverage required by Rhode Island. These are also plans with liability-only coverage. We were able to look at the average price drivers are paying for basic insurance coverage in Rhode Island, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Basic Coverage in Rhode Island

Filters
RankCompany nameAvg. Annual Premium
1Progressive$1,263
2Allstate$1,666

Real Jerry Quotes for Basic Coverage in Rhode Island

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-01-06
  • Mercedes-benz Gla 250 4matic
25 year old femaleProgressive$89.83$221.17
2021-03-06
  • Volkswagen Passat Glx
  • Volkswagen Jetta Sport
  • Toyota Corolla Ve
53 year old maleProgressive$89.50$124.50
2021-02-09
  • Honda Accord 10th Anniversary
  • Jeep Wrangler X
  • Chevrolet Tilt Master W35042
  • Jeep Cherokee Latitude
  • Chevrolet Silverado K1500
55 year old femaleProgressive$119.33$92.67
2021-03-27
  • Hyundai Sonata Se
22 year old maleProgressive$160.50$214.50
2021-02-18
  • Lexus Es 350
  • Toyota Avalon Xl
35 year old maleNationwide$155.20$284.80

Average Cheapest Car Insurance for Standard Plans in Rhode Island

Most drivers will want more than the basic minimum coverage that Rhode Island requires — but still don’t want to break the bank. Standard plans offer both collision insurance and comprehensive insurance which gives you more protection than a basic plan. These plans generally offer a $1,000 deductible.
Below you’ll find the average price drivers are paying for standard insurance coverage in Rhode Island, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your driving record, your age, how many cars you drive, you gender, and whether or not you’re a homeowner. All of these factors can impact premiums, so be sure to take a look at averages and quotes from drivers similar to you!

Average Cheapest Car Insurance for Standard Coverage in Rhode Island

Filters
RankCompany nameAvg. Annual Premium
1Safeco$1,992
2Progressive$2,483

Real Jerry Quotes for Standard Coverage in Rhode Island

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-03-13
  • Tesla Model 3
37 year old maleProgressive$79$29.33
2021-02-09
  • Ford Fusion Sel
25 year old maleProgressive$219.67$118.33
2021-01-20
  • Ford Escape Hev
28 year old maleSafeco$158.38$81.63
2021-02-18
  • Land Rover Range Rover Sport Hse
  • Cadillac Xt5
43 year old femaleProgressive$298.33$24.17
2021-04-02
  • Ford Focus Se
39 year old maleSafeco$59.38$175.63

Cheapest Car Insurance in Rhode Island for Preferred Coverage

Preferred coverage protects Rhode Island drivers the most against any accidents or theft. Like basic plans, you’ll have collision insurance and comprehensive insurance. This is higher end full coverage, generally with $500 deductibles. That means you’ll be paying less out of pocket in the event of a claim. The downside? Your premiums are likely to be higher than what drivers with standard plans are paying. But if you comparison shop, you can still find the preferred insurance policy that’s less expensive.
We were able to look at the average price drivers are paying for preferred insurance coverage in Rhode Island, as well as real quotes from actual Jerry.ai customers. You can customize these charts to find rates depending on your age, your driving record, whether you’re over or under 25 year old, the number of cars your drive, you gender, and if you own a home — all huge factors real insurance companies use in determining rates.

Average Cheapest Car Insurance for Preferred Coverage in Rhode Island

Filters
RankCompany nameAvg. Annual Premium
1Safeco$2,180
2Progressive$2,440
3Nationwide$3,395

Real Jerry Quotes for Preferred Coverage in Rhode Island

Filters
CreatedCarsCustomerInsurance CompanyMonthly premiumAmount saved
2021-01-08
  • Honda Civic Dx
19 year old maleSafeco$214.31$15.69
2021-02-10
  • Volkswagen Jetta Se
  • Toyota Sienna Le
34 year old maleSafeco$96.95$283.05
2021-03-01
  • Toyota Scion Tc
21 year old maleSafeco$198.18$121.82
2021-03-19
  • Dodge Grand Caravan Crew
  • Hyundai Elantra Gls
  • Honda Accord Ex
  • Toyota Camry Le
  • Chevrolet Trailblazer Ls
33 year old femaleProgressive$308.67$99.33
2021-01-01
  • Chrysler Town & Country Touring L
  • Toyota Highlander Limited
41 year old maleProgressive$281.50$18.78
Insurance companyAverage annual premium in Rhode Island
Progressive$2,128
Safeco$3,195.55

Cost to Insure Different Cars in Rhode Island

Auto insurance companies look into several different factors when coming up with their rates. A big one is what state you’re in — which is why it’s so important for Rhode Island drivers to compare their rates to people in the same state. The car you drive can be a big factor as well. No matter what town, city, or country you live in, certain cars are just going to cost you more in coverage than others. Check out our chart to find out how much different cars cost to insure in Rhode Island. And you can use our table of real quotes from Jerry.ai customers to see what people just like you are paying.
Filters
CreatedCarsCustomerCarrierMonthly premiumAmount savedType of coverage
2021-02-08
  • Nissan Altima 2.5
23 year old maleProgressive$90.67$59.33Basic
2021-02-16
  • Volvo S70 Base
31 year old femaleNationwide$65.89$51.11Basic
2021-01-24
  • Nissan Altima 2.5
45 year old femaleSafeco$191.78$108.22Basic
2021-01-17
  • Toyota Camry Le
52 year old maleProgressive$59.83$115.17Basic
2021-01-18
  • Honda Accord Ex
25 year old maleProgressive$131$192Basic
2021-01-13
  • Lexus Is 250
26 year old maleProgressive$244.83$18.17Preferred
2021-02-11
  • Hyundai Accent Gls
29 year old femaleProgressive$121.83$78.17Basic

Car Insurance Laws in Rhode Island

Tourists visit Rhode Island all year round, snapping pictures of the largest bug in the world in Providence and visiting Cogswell Tower in Central Falls. Areas that are normally low-traffic become plugged up by visitors that can slow down commuters and get in the way of resident motorists. Unfortunately, when traffic volumes spike, car accidents increase as well, and insurance premiums are sure to follow.
Nearly all states have laws that predicate how much car insurance each driver needs to have, and Rhode Island is no different. If you live and drive in Rhode Island, here’s what you should know about the minimum auto insurance coverage requirements.

What Car Insurance Is Required by Law in Rhode Island?

In order to register a car with the state of Rhode Island, resident drivers first need to secure at least a base amount of auto insurance to legally operate their vehicle. Proof of insurance or financial responsibility needs to be carried that shows you have, at minimum: Bodily Injury Liability (BIL) and Property Damage Liability (PDL) coverage.
As a so-called “tort state,” Rhode Island is not a no-fault state when it comes to car accidents, so Personal Injury Protection (PIP) insurance isn’t offered. If a driver were to be found at fault in a car accident, no matter how serious, someone injured in the accident could file a lawsuit for medical bills and damages against them. However, BIL coverage is intended to cover the other parties’ injuries up to the maximum on the policy and can pay for things like medications, ambulance rides, and even lost wages.
PDL coverage is also mandatory in Rhode Island and is similar to BIL coverage, except its purpose is to pay for property damage to inanimate objects as a result of the accident. That could be other cars or objects you hit with your car like a house, utility pole, or fence. PDL does not necessarily cover your personal vehicle’s damage, however.
Minimum coverage amounts are just that: minimums. Often they are insufficient to cover all the damage caused in an accident, in which case you can be taken to court by the other driver to recoup their costs. Or, if the other party is at fault but is not adequately insured, additional types of optional coverage can help mitigate those circumstances. You may want to consider uninsured motorist coverage and underinsured motorist coverage. Of course, collision and comprehensive coverage are suggested but not required either.

Can You Drive a Car without Insurance in Rhode Island?

Residents of Rhode Island cannot drive legally unless they have purchased a policy from an insurer licensed to do business in the state. An insurance card must be in the vehicle with the driver and produced if requested by law enforcement. Driving without proof of insurance can result in a fine of up to $500 and a license suspension up to three months for the first offence, with subsequent offences carrying a fine of up to $1,000 and a 12-month suspension.
If you get into an accident and are uninsured at the time, you could face penalties including impoundment of your registration and plates, suspension of your driver’s license, and a record of a violation as part of your permanent driving record in Rhode Island.

What Are the Minimum Car Insurance Requirements in Rhode Island?

Certain amounts of insurance must be maintained continuously for all registered vehicles in Rhode Island if you wish to drive. This is a legal requirement that provides protection for you as a driver and any other people or property that could be involved in a car accident.
To ensure you are legally able to drive in the state of Rhode Island, the following minimum coverage amounts are mandatory.
Minimum Insurance Requirements in Rhode Island
  • Bodily injury liability per person: $25,000
  • Bodily injury per accident: $50,000
  • Property damage liability per accident: $25,000

Car Registration Information in Rhode Island

Minimum auto insurance coverage is one thing, but Rhode Island drivers also need to make sure their vehicle is registered in the state. For vehicles coming from out of state, you must obtain registration within 30 days of moving to Rhode Island.
License plates are issued whenever a new vehicle registration is accepted. In order to complete an initial registration, you must provide:
  • Current insurance information
  • Sales Tax form
  • Original title for the car with the vehicle identification number (VIN)
  • The bill of sale
  • Gross Vehicle Weight
  • Your driver’s license or ID card
  • Manufacturer’s Statement of Origin (for new cars only)
Registering a vehicle in Rhode Island has a lengthy application form but the process is straightforward. New registrations must either be completed in person at the Rhode Island DMV, or they can be mailed into the DMV with documents notarized. Registration renewals can be processed online in minutes, at an AAA office (for AAA members only), by mailing them to the DMV, or by placing the renewal form and fees in drop boxes at a DMV branch. The initial registration fee is calculated based on the vehicle weight and can be paid quarterly or annually. Renewals can be performed annually or for a two-year period.
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