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Cheapest car insurance in Providence, Rhode Island (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Providence, Rhode Island.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance quotes in Providence

In Providence, the average
auto insurance
policy costs about $130 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. Providence drivers pay 26% more than the
Rhode Island
average.  
Drivers looking to save on car insurance in Providence, Rhode Island trust Jerry. Jerry helps you
compare and buy car insurance policies
that meet your needs and budget in seconds. Check out the table below for cheap car insurance quotes Jerry found for Providence drivers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$377
Carolyn, 59
Zip: 02907
Dodge Durango GT
• State Minimum Liability
• Comp / Collision
Allstate
$144
Barbara, 44
Zip: 02909
Nissan Versa S
• State Minimum Liability
Travelers
$333
Landon, 31
Zip: 02909
Toyota Highlander
• 50,000/100,000 Liability
• Comp / Collision
Nationwide
$235
Luis, 27
Zip: 02904
Honda Accord EXL
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 10, 2024

Best car insurance companies in Providence

There is no one-size-fits-all model for car insurance—what works for one driver may not work for another.
Car insurance quotes
vary between providers and drivers due to age, driving record, and credit score. So no single company offers the most affordable rate for every driver. 
Aside from price, there are other factors to consider when choosing an insurance provider, such as claims handling and customer service. 
For Providence drivers looking for the cheapest car insurance company in Rhode Island, you’re in the right place. Jerry conducted the largest insurance survey in the nation—and the results were surprising. Big-name carriers like GEICO and Progressive received good feedback for customer service, but only Liberty Mutual and Nationwide got 5/5 rankings overall. 
If you’re wondering which carrier might be your best pick, check out the table below to see how Providence drivers ranked different insurance companies on a scale of 0 to 5.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.7
4.4
N/A
4.7
Travelers
4.3
N/A
N/A
Safeco
4.3
3.3
N/A
4.7
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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.

Best cheap car insurance quotes in Providence

Drivers in Providence must carry liability insurance that meets the state-mandated requirements before getting on the road. But while minimum coverage might be all that’s required, it’s often not enough. 
Consider purchasing a full coverage policy. If you’re involved in an accident, whether at fault or not, collision and comprehensive coverage offer greater financial protection for you and your car.

Cheap minimum liability insurance quotes in Providence

If you’re behind the wheel in Providence, Rhode Island, you’ll need bodily injury and property damage liability that meets the state coverage limits. In Rhode Island, it follows the 25/50/25 rule.
Here’s a breakdown of Rhode Island’s liability insurance minimums:
In most cases, drivers in Rhode Island must also have
uninsured motorist coverage
, but you can choose to decline the purchase if you have a policy with only the minimum limits of bodily injury and property damage liability as required by law.
With this basic liability insurance coverage, you’ll be covered up to your policy limits if you’re at fault in an accident that causes injury or property damage while driving. 
Finding affordable car insurance can be tricky—but Jerry is here to help.
card cover
Allen (30 years old)
coverageCoverage
State Minimum
locationProvidence, RI
(Zip Code: 02904)
$138
per month
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Callie (37 years old)
coverageCoverage
State Minimum
locationProvidence, RI
(Zip Code: 02903)
$200
per month
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Barbara (44 years old)
coverageCoverage
State Minimum
locationProvidence, RI
(Zip Code: 02909)
$144
per month
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Henrietta (34 years old)
coverageCoverage
State Minimum
locationProvidence, RI
(Zip Code: 02908)
carNissan Maxima SE
$169
per month

Do you need more than minimum coverage in Providence?

The minimum insurance requirements in Rhode Island are higher than in many other states, but most drivers purchase minimum insurance that exceeds the 25/50/25 liability coverage. 
If you’re involved in a car crash, and you or the other party sustain serious injuries or damage, the expenses can quickly add up to more than your policy limits. And if you’re found at fault, 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.
On top of that, liability coverage only covers others’ injuries and damages—not your own. Without additional coverage, you could be on the hook for covering your own medical expenses or vehicle damage.
The bottom line: For more financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.

Cheap full coverage car insurance quotes in Providence

If you don’t want to deal with the financial burden of a serious accident, investing in full-coverage
car insurance
is the way to go. 
Full-coverage insurance includes liability coverage in addition to comprehensive and collision coverage. 
  • Comprehensive coverage
    pays for damage to your car from almost all other causes, including fire, theft, vandalism, hail, ice, flooding, and animal damage. It will also cover the cost of broken glass, such as windshield damage. 
  • Collision coverage
    pays for damage that results from a collision with another car or stationary object, such as a tree or sign.
If you lease or finance your car, your lender will require you to have collision and comprehensive coverage.  
On top of a full-coverage policy, you can also purchase
uninsured motorist coverage
to protect you against injuries and property damage if you’re in a collision with a driver who doesn’t have insurance.
Check out the table below for examples of how drivers in Providence found affordable full-coverage insurance policies with Jerry.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$408
Ernest, 59
Zip: 02907
Dodge Durango GT
• State Minimum Liability
• Comp / Collision
Nationwide
$235
Luis, 27
Zip: 02904
Honda Accord EXL
• State Minimum Liability
• Comp / Collision
Safeco
$167
Birdie, 37
Zip: 02909
Nissan Maxima S
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$333
Landon, 31
Zip: 02909
Toyota Highlander
• State Minimum Liability
• Comp / Collision
Allstate
$303
Marian, 40
Zip: 02907
Nissan Titan XE
coverageLast Updated Apr 11, 2024
Finding affordable car insurance doesn’t have to be like finding a needle in a haystack. With a comparison app and licensed
insurance broker
like Jerry, you can find the coverage you need at the most affordable rates in minutes. And with over 100+ licensed insurance agents and 24/7 end-to-end customer service, no questions will go unanswered.
Lower my car insurance too!

Average cost of car insurance in Providence

After analyzing scores of insurance providers in Providence, we have discovered that the average price for minimum liability coverage amounts to be $130 per month or $1,560 per year. Additionally, residents of Providence can expect to pay an average of $150 per month or $1,800 per year for full coverage insurance.
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.

Average cost of car insurance in Providence by zip code

The cost of car insurance in Providence can greatly differ depending on your specific zip code. Each individual zip code within Providence has its own unique driving risks which directly factor into your insurance quotes. Living in a neighborhood notorious for higher rates of car thefts and accidents increases its risk profile, thereby increasing premiums.
In short, the degree of risk tied to your zip code is a key determinant of whether your coverage will come with a higher or lower price tag.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
2903
$143
$291
2906
$89
$386
2909
$159
$297

Car insurance quotes in Providence by rating factors 

Insurance companies in Providence use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: High annual mileage can result in higher insurance costs.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How do different factors impact your car insurance costs in Providence?

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Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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Prohibited (or effectively prohibited): Rhode Island currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Providence:

Cheap car insurance quotes in Providence after driving violations

Your
Rhode Island driving record
also has a big influence on your car insurance premium. If your driving record has a long history of violations, you’re flagged as a “
high-risk driver
” and will pay more for insurance. 
Some common violations that could increase your insurance rates include:
  • Speeding
  • DUIs
  • At fault accident 
  • Reckless driving 
  • Driving on a suspended license
  • Driving without insurance

Cheapest car insurance in Providence after speeding ticket

Speeding tickets
don’t always increase your car insurance rates, but they do in Rhode Island—and some have more of an impact than others. If you’re caught driving 22 mph or more over the speed limit, for example, you’ll see 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)CustomerCarInsurance Coverage
Speeding 1-5
Progressive
$333
Lloyd, 30
Zip: 02909
Honda Accord EXL
• State Minimum Liability
Speeding 11-15
Safeco
$232
Lina, 26
Zip: 02903
Ford Focus SE
• 50,000/100,000 Liability
• Comp / Collision
Speeding 16-20
Progressive
$757
Lee, 21
Zip: 02907
Honda Civic SI
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 7, 2024

Cheapest car insurance in Providence after DUI

A DUI violation in Rhode Island can send you car insurance rates through the roof. Having a DUI charge on your driving record classifies you as a high-risk driver, and many insurers aren’t willing to offer high-risk car insurance.  
But there’s good news—some insurers charge less for car insurance for drivers with a major violation on their record, so it can pay to shop around.
Rhode Islanders have found affordable policies with Jerry after receiving a DUI.
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Douglas (30 years old)
coverageCoverage
State Minimum
locationProvidence, RI
(Zip Code: 02904)
$138
per month
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Florence (33 years old)
coverageCoverage
State Minimum
locationProvidence, RI
(Zip Code: 02904)
carAcura 3.2TL
$131
per month
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Bess (30 years old)
coverageCoverage
State Minimum
locationProvidence, RI
(Zip Code: 02906)
$62
per month

Cheapest car insurance in Providence after an at-fault accident

Your accident and claims history plays a major role in how much you pay for car insurance. That said, having
accident forgiveness
on your policy can help prevent your rates from spiking.
Drivers who have had one or more at-fault accidents can often see high insurance premiums—check out how Jerry helped Providence drivers with an accident on their record find affordable insurance.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Safeco
$255
Jeanette, 43
Zip: 02907
Honda Accord EXL
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Progressive
$408
Virgie, 59
Zip: 02907
Dodge Durango GT
• State Minimum Liability
• Comp / Collision
Not At Fault
Travelers
$288
Ralph, 37
Zip: 02909
Honda Accord Sport
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Allstate
$171
Rena, 45
Zip: 02907
Toyota Sienna CE
• State Minimum Liability
coverageLast Updated Apr 12, 2024

Cheapest car insurance in Providence after other driving violations

Speeding tickets, DUIs, and at-fault accidents aren’t the only reasons your insurance could increase. Other driving violations, such as
reckless driving
and driving without insurance, can also cause your car insurance costs to increase in Providence
To get a better idea of how violations can cause rates to vary, here’s a look at the rates Jerry users have found for various violations.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Progressive
$200
Cordelia, 46
Zip: 02907
Nissan Rogue S
• State Minimum Liability
• Comp / Collision
Defective Equipment
Progressive
$83
Ola, 34
Zip: 02904
Toyota Camry LE
• 30,000/60,000 Liability
• Comp / Collision
Failure to Yield
Safeco
$168
Isabelle, 37
Zip: 02908
Honda Accord EX
• State Minimum Liability
Cell Phone
Progressive
$757
Bessie, 21
Zip: 02907
Honda Civic SI
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Progressive
$200
Jonathan, 46
Zip: 02907
Nissan Rogue S
• State Minimum Liability
• Comp / Collision
Failure to Yield
Safeco
$168
Bess, 37
Zip: 02908
Honda Accord EX
• State Minimum Liability
Improper Passing
Safeco
$131
Margaret, 33
Zip: 02904
Acura 3.2TL
• State Minimum Liability
coverageLast Updated Apr 11, 2024

Cheap car insurance quotes in Providence by age

Teen drivers
aged 16 to 19 and those without an
unrestricted driver’s license
see some of the highest insurance rates of any age demographic due to limited driving experience. After age 25, safe drivers typically see their car insurance rates decrease—but they’ll start to increase again in their mid-70s.

Cheapest car insurance in Providence for young drivers

Drivers under 19 pay the highest insurance rates out of any age group in Providence. For teen drivers with a new car, purchasing a full coverage policy is recommended. Limited driving experience means a higher risk of getting into a car crash, so full coverage can offer greater financial protection and peace of mind—and staying on a parent's insurance policy can also keep rates low.
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Vincent (23 years old)
coverageCoverage
State Minimum
locationProvidence, RI
(Zip Code: 02909)
$200
per month
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Patrick (22 years old)
coverageCoverage
State Minimum
locationProvidence, RI
(Zip Code: 02904)
carFord Fusion S
$193
per month
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Ernest (23 years old)
coverageCoverage
State Minimum
locationProvidence, RI
(Zip Code: 02904)
$369
per month
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Sam (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationProvidence, RI
(Zip Code: 02904)
$183
per month

Cheapest car insurance in Providence for senior drivers

Seniors are also hit hard when it comes to insurance premiums.
Car insurance rates for seniors
start to rise around 75 for several reasons—namely that older drivers are more susceptible to severe injuries and mortality if involved in an accident and have slower reflexes that can increase the risk of a collision.
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Jordan (65 years old)
coverageCoverage
State Minimum
locationProvidence, RI
(Zip Code: 02904)
$119
per month

Cheap car insurance quotes in Providence based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
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Jeanette (59 years old)
Currently Insured
coverageCoverage
State Minimum
locationProvidence, RI
(Zip Code: 02907)
$408
per month
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Jim (31 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationProvidence, RI
(Zip Code: 02909)
carToyota Highlander
$333
per month
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Elva (44 years old)
Currently Insured
coverageCoverage
State Minimum
locationProvidence, RI
(Zip Code: 02909)
$144
per month
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Celia (34 years old)
Currently Insured
coverageCoverage
State Minimum
locationProvidence, RI
(Zip Code: 02908)
carNissan Maxima SE
$169
per month
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Rebecca (44 years old)
Currently Insured
coverageCoverage
State Minimum
locationProvidence, RI
(Zip Code: 02909)
$144
per month

Cheap car insurance quotes in for drivers with poor credit

drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$107
Walter, 32
Zip: 02903
Toyota Prius Prime LE
• State Minimum Liability
660 - 750
Safeco
$197
Lucinda, 30
Zip: 02909
KIA Optima LX
• State Minimum Liability
• Comp / Collision
660 - 750
Travelers
$288
Ralph, 37
Zip: 02909
Honda Accord Sport
• 50,000/100,000 Liability
• Comp / Collision
550 - 659
Safeco
$149
Ray, 27
Zip: 02903
Hyundai Sonata GLS
• State Minimum Liability
• Comp / Collision
< 550
Progressive
$408
Martha, 59
Zip: 02907
Dodge Durango GT
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 12, 2024

How to lower car insurance costs in Providence

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

People living in Providence pay on average $130 per month – or $1,560 per year – on state-minimum liability coverage. Full coverage in Providence costs on average $150 per month or $1,800 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
Based on thousands of Providence drivers Jerry has worked with, car insurance in Providence costs an average of $74 per month for state-minimum coverage and $166 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
The state-minimum car insurance in Providence, Rhode Island is $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 25/50/25 coverage.
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Liberty Mutual,
Progressive
, and
Nationwide
receive good ratings from Providence drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

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
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Licensed Insurance Agent
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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.