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 Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage
Progressive	$161	Susan, 29, Providence, RI	Hyundai Sonata Limited	State Minimum	No
Progressive	$662	Jerome, 41, Providence, RI	Toyota Camry Le	State Minimum	Yes
Progressive	$310	Bettie, 22, West Warwick, RI	Kia Optima Lx	State Minimum	No
Progressive	$443	Lizzie, 21, Providence, RI	Toyota Camry Ce	State Minimum	No
Progressive	$157	Franklin, 33, North Providence, RI	Kia K5 Gt Line	State Minimum	No

Last Updated Dec 17, 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 Company	Date	Cost rating (out of 5)	What our customer said:
Bristol West	October 30, 2024	4	“For car insurance” -Stanley
Bristol West	October 25, 2024	5	“Awesome with best proces” -Ollie
First Acceptance	October 25, 2024	5	“So far this was an easy and smooth process. Thanks for everything “ -Luke
Infinity	October 23, 2024	5	“Literally the cheapest quote for me” -Trisha
Mercury	October 22, 2024	3	“Good coverage, affordable until you file a claim.” -Sally

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:

• Bodily injury liability: $25,000 per person, $50,000 per accident
• Property damage liability: $25,000 per accident1

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.

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.

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 Coverage	Has Full Coverage	Insurance Company	Premium (monthly)	Customer	Car
State Minimum	Yes	Progressive	$476	Zachary, 32, Warren, RI	Chevrolet Malibu Lt
State Minimum	Yes	Progressive	$454	Ruby, 46, Woonsocket, RI	Hyundai Tucson Gls
State Minimum	Yes	Progressive	$143	Georgia, 48, Greenville, RI	Toyota Corolla
State Minimum	Yes	Progressive	$295	Essie, 29, Pawtucket, RI	Subaru Forester 2.5X Limite
State Minimum	Yes	Progressive	$544	Austin, 25, Providence, RI	Toyota Camry L

Last Updated Dec 16, 2024

Average rates for minimum liability coverage and full coverage car insurance in Rhode Island

Jerry’s data shows that the average cost of minimum liability coverage in Rhode Island is $151 per month or $1,816 per year. A full coverage policy in Rhode Island has an average annual premium of $2,778, or $232 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:

• Medical payments (MedPay)
• Towing and labor coverage
• Rental reimbursement coverage

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.

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 Type	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Speeding Violation-Minor	Progressive	$157	Franklin, 33, North Providence, RI	State Minimum	No
Speeding Violation-Minor	Progressive	$220	Esther, 22, North Providence, RI	State Minimum	No
Speeding Violation-Minor	Progressive	$1,173	Etta, 18, Johnston, RI	State Minimum	Yes
Speeding Violation-Minor	Progressive	$227	Angel, 41, Pawtucket, RI	50/100	Yes
Speeding Violation-Minor	Progressive	$107	Gussie, 30, Lincoln, RI	State Minimum	No

Last Updated Dec 17, 2024

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.

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 Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage
Not At Fault	Progressive	$157	Franklin, 33, North Providence, RI	State Minimum	No
Not At Fault	Progressive	$476	Zachary, 32, Warren, RI	State Minimum	Yes
Not At Fault	Progressive	$454	Ruby, 46, Woonsocket, RI	State Minimum	Yes
Not At Fault	Progressive	$295	Essie, 29, Pawtucket, RI	State Minimum	Yes
Not At Fault	Progressive	$602	Josephine, 23, Providence, RI	State Minimum	No

Last Updated Dec 16, 2024

• Is Rhode Island an at-fault state?

  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.

Violation	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage
Failure to Obey Signal	Progressive	$189	Bertha, 26, Providence, RI	State Minimum	No
Driving on Sus. License	Progressive	$383	Steve, 41, Providence, RI	State Minimum	Yes
Illegal Turn	Progressive	$67	Sam, 63, Newport, RI	State Minimum	Yes
Improper Passing	Progressive	$483	Melvin, 25, North Providence, RI	State Minimum	Yes
Improper Passing	Progressive	$138	Earl, 30, Providence, RI	State Minimum	No

Last Updated Dec 17, 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.

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 Range	Insurance Company	Premium (monthly)	Customer	Car	Liability Limits	Has Full Coverage
750+	Progressive	$161	Susan, 29, Providence, RI	Hyundai Sonata Limited	State Minimum	No
660-750	Progressive	$662	Jerome, 41, Providence, RI	Toyota Camry Le	State Minimum	Yes
550-659	Progressive	$310	Bettie, 22, West Warwick, RI	Kia Optima Lx	State Minimum	No
<550	Progressive	$443	Lizzie, 21, Providence, RI	Toyota Camry Ce	State Minimum	No
<550	Progressive	$157	Franklin, 33, North Providence, RI	Kia K5 Gt Line	State Minimum	No

Last Updated Dec 17, 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.

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.

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:

• Hyundai Tucson
• Ford F-150
• Nissan Rogue
• Toyota RAV4
• Toyota Tacoma
• Chevrolet Silverado 1500

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage
Toyota Rav4 Le	Dairyland	$405	Barbara, 42, Portland, OR	50/100	Yes
Toyota Rav4	Dairyland	$172	George, 50, Beaverton, OR	State Minimum	No
Ram 1500 Big Horn	Safeco	$104	Alice, 26, Portland, OR	State Minimum	No
Toyota Rav4 Le	Bristol West	$289	Elsie, 23, Newberg, OR	100/300	Yes
Nissan Rogue S	Safeco	$353	Marian, 38, Portland, OR	State Minimum	Yes

Last Updated Dec 17, 2024

Learn more: How to get car insurance before buying a car

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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.

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.

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance Coverage	Has Full Coverage
Providence, RI	Susan	Progressive	$161	Hyundai Sonata Limited	State Minimum	No
Providence, RI	Jerome	Progressive	$662	Toyota Camry Le	State Minimum	Yes
West Warwick, RI	Bettie	Progressive	$310	Kia Optima Lx	State Minimum	No
Providence, RI	Lizzie	Progressive	$443	Toyota Camry Ce	State Minimum	No
North Providence, RI	Franklin	Progressive	$157	Kia K5 Gt Line	State Minimum	No

Last Updated Dec 17, 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:

• Shop around and compare quotes.
• Bundle your car insurance with home insurance or renters insurance to get a discount.
• Find out what insurance discounts you’re eligible for—like good student discounts, safe driver discounts, or responsible payer discounts.
• Take steps to boost your credit score.
• Increase your deductible for your comprehensive and collision coverage (just be sure you can cover the out-of-pocket cost).
• Take an approved defensive driving course.
• Consider dropping collision and comprehensive coverage on older, low-value cars.

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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