Here’s a breakdown of how we reviewed and rated the top auto insurance providers
Key Takeaways
- USAA, Travelers, Geico, Quincy Mutual and Amica offer the cheapest minimum-coverage car insurance for drivers in Rhode Island.
- Rhode Island drivers pay an average of $85 per month for minimum coverage and $222 per month for full coverage.
- Minimum coverage in Rhode Island is about 28% more expensive than the national average while full coverage is around 9% more expensive on average.
A dense population and harsh winter storms can lead to high car insurance rates for Rhode Island residents. But we at the MarketWatch Guides team can help you find the best price for auto coverage, as we have extensively researched the cheapest car insurance companies in the state. Read on to learn more about the cheapest Rhode Island car insurance by coverage level, age group, driving history and city.
Rhode Island Car Insurance at a Glance: Rhode Island is an at-fault state, which means that any driver who causes an accident is required by law to pay for any injuries and property damage to other parties with their car insurance.
Rhode Island law requires minimum liability limits of 25/50/25. This means:
- Bodily injury liability: $250,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
What Is the Cheapest Car Insurance in Rhode Island?
USAA is Rhode Island’s cheapest car insurance company overall, delivering both minimum coverage for $43 monthly and full coverage at $135 per month. For those not affiliated with the military, Travelers is the cheapest option for both minimum and full coverage policies. This conclusion stems from our comprehensive study of 148,284 quotes collected from 78 ZIP codes throughout Rhode Island, where USAA’s minimum plans cost 49% less than state averages and their full coverage runs 39% below typical Rhode Island premiums.
| Cheapest Car Insurance Company in Rhode Island | Average Monthly Minimum-Coverage Rate | Average Monthly Full-Coverage Rate |
|---|---|---|
| USAA | $43 | $135 |
| Travelers | $56 | $157 |
| Geico | $58 | $199 |
| Quincy Mutual | $74 | $226 |
| Amica | $80 | $287 |
Cheapest Car Insurance Rates in Rhode Island: Driver Profile
To help you determine the right car insurance company in Rhode Island for your unique circumstances, we’ve highlighted the companies with the lowest rates within different driver categories below. Note that USAA coverage is only available to active-duty military members, veterans and their families.
| Cheap Rhode Island Car Insurance Category | Cheapest Monthly Car Insurance Rate in Rhode Island | Rhode Island Average Monthly Minimum-Coverage Rate |
|---|---|---|
| Teens (16-year-olds): Allstate | $206 | $351 |
| Young Adults (25-year-olds): USAA | $54 | $103 |
| Adults (35-year-olds): USAA | $43 | $85 |
| Seniors (75-year-olds): USAA | $52 | $102 |
| Bad Credit: USAA | $79 | $164 |
| After a DUI: USAA | $87 | $178 |
| After an Accident: USAA | $43 | $126 |
| After a Speeding Ticket: USAA | $49 | $116 |
Cheapest Car Insurance Coverage in Rhode Island
There’s a big price difference between minimum coverage and full coverage, which makes sense as only full coverage will pay for repairs to your vehicle if you cause an accident or your vehicle is damaged in some way other than a collision. Minimum coverage protects you from liability if you cause a collision or injure another driver. In this section, we examine the average rates from several different providers who offer minimum and full coverage to Rhode Island drivers.
Cheapest Rhode Island Minimum-Coverage Auto Insurance: USAA
Rhode Island Average Minimum-Coverage Cost: $85 per month
USAA’s average minimum-coverage rate is $43 per month, which is 49% cheaper than the state average. But if you don’t qualify for USAA — which is only available for military members, veterans and their immediate families — check out rates from Travelers, which is a good alternative.
| Cheapest Rhode Island Car Insurance Company | Average Monthly Minimum-Coverage Rate | Monthly Savings Compared to Rhode Island Average |
|---|---|---|
| USAA | $43 | 49% |
| Travelers | $56 | 35% |
| Geico | $58 | 32% |
| Quincy Mutual | $74 | 14% |
| Amica | $80 | 6% |
Cheapest Rhode Island Full Coverage Auto Insurance: USAA
Rhode Island Average Full Coverage Cost: $222 per month
Eligible drivers can purchase affordable full-coverage auto insurance from USAA for rates averaging around $135 per month, which is 39% cheaper than the state average. Those who don’t qualify for USAA should consider Travelers, which offers the next most affordable rates.
| Cheapest Rhode Island Car Insurance Company | Average Monthly Full-Coverage Rate | Monthly Savings Compared to Rhode Island Average |
|---|---|---|
| USAA | $135 | 39% |
| Travelers | $157 | 29% |
| Progressive | $188 | 15% |
| Geico | $199 | 10% |
| Allstate | $202 | 9% |
Cheapest Car Insurance by Age in Rhode Island
Auto insurance providers adjust the cost of their rates for coverage based on a number of different factors, one of which is a driver’s age group. Both teen drivers and seniors are viewed by insurers as presenting higher risks to others on the road, so coverage for them is usually more expensive. However, Rhode Island presents some unique variations on this rule of thumb.
Teens in Rhode Island can expect to pay more for car insurance as they lack experience behind the wheel and are more likely to file a claim. Middle-aged drivers, on the other hand, are afforded some of the cheapest rates. While seniors often pay more for car insurance in other states, Rhode Island has a law that reduces the practice of older adults being charged higher rates. In the section below, we examine different affordable coverage options based on drivers’ ages in the state.
Cheapest Rhode Island Auto Insurance for Teens: Allstate
Rhode Island Minimum-Coverage Average for Teen Drivers: $351
Rhode Island Full-Coverage Average for Teen Drivers: $519
On average, Allstate offers the least expensive minimum- and full-coverage rates for teen drivers with their own policy in Rhode Island. The average minimum-coverage rate from the insurer is 41% cheaper than the state average, while its full-coverage rates are right in line with the state average.
| Cheapest Rhode Island Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| Allstate | $206 |
| Geico | $248 |
| Nationwide | $472 |
| Cheapest Rhode Island Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| Allstate | $518 |
| Geico | $622 |
| Nationwide | $649 |
*Rates are for 16-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Rhode Island Auto Insurance for Young Adults: USAA
Rhode Island Minimum Coverage Average for Young Adults: $103
Rhode Island Full Coverage Average for Young Adults: $269
For eligible 25-year-old drivers, USAA offers the cheapest minimum coverage on average. The provider’s average premium for this age group in Rhode Island is $54, which is 48% below the state average. USAA is also the cheapest provider of full coverage for young adults, offering average rates that are 36% less expensive than the state average.
If you aren’t eligible for USAA insurance, Travelers is a good option for young adults in Rhode Island.
| Cheapest Rhode Island Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $54 |
| Travelers | $60 |
| Geico | $67 |
| Amica | $86 |
| Allstate | $91 |
| Cheapest Rhode Island Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| USAA | $173 |
| Travelers | $180 |
| Allstate | $222 |
| Progressive | $224 |
*Rates are for 25-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Rhode Island Auto Insurance for Adults: USAA
Rhode Island Minimum-Coverage Average for Adults: $85
Rhode Island Full-Coverage Average for Adults: $222
USAA also offers the least expensive rates for eligible 35-year-old drivers looking for minimum or full coverage. Based on USAA’s average premiums, qualified drivers pay around 49% less than the state average for minimum coverage and 39% less for full coverage.
In this age category, Travelers also offers competitive rates if you don’t qualify for USAA coverage in Rhode Island.
| Cheapest Rhode Island Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $43 |
| Travelers | $56 |
| Geico | $58 |
| Quincy Mutual | $74 |
| Amica | $80 |
| Cheapest Rhode Island Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| USAA | $135 |
| Travelers | $157 |
| Progressive | $188 |
| Geico | $199 |
| Allstate | $202 |
*Rates are for 35-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Rhode Island Auto Insurance for Seniors: USAA
Rhode Island Minimum-Coverage Average for Seniors: $102
Rhode Island Full-Coverage Average for Seniors: $246
For 75-year-old drivers in the state, USAA offers the cheapest minimum coverage out of the companies we surveyed. The company’s average rate is around 52% cheaper than the state average. For full coverage insurance, USAA offers the best rates for eligible seniors, with premiums, on average, coming in around 43% cheaper than the state average. Geico and Progressive are also competitive for seniors who are ineligible for USAA.
| Cheapest Rhode Island Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $52 |
| Geico | $73 |
| Travelers | $84 |
| Progressive | $94 |
| Cheapest Rhode Island Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| USAA | $140 |
| Progressive | $178 |
| Travelers | $206 |
| Allstate | $210 |
*Rates are for 75-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Car Insurance for High-Risk Drivers in Rhode Island
Speeding tickets and at-fault accidents increase the cost of your car insurance coverage — but not forever. Minor violations like tickets stay on your driving record for three years in Rhode Island. A major violation like a DUI conviction, on the other hand, will stay on your driving record for life.
Every state handles the relationship between traffic violations and insurance rates differently. Rhode Island, in particular, allows insurance companies to look back three years into a driver’s record when determining rates. To that end, an improved driving record could mean lower rates in the future for drivers in the state.
Cheapest Rhode Island Auto Insurance for Bad Credit: USAA
Rhode Island Minimum-Coverage Average for Bad Credit: $164
Rhode Island Full-Coverage Average for Bad Credit: $341
Low or bad credit scores could double the price you pay for car insurance in Rhode Island. For eligible drivers with bad credit, USAA’s average rate for minimum coverage is 52% below the average paid by other drivers with lower credit in the state. For full coverage, USAA beats the state average by around 16%. If you don’t qualify for USAA coverage, Geico is a competitive alternative for drivers with less-than-stellar credit scores.
| Cheapest Rhode Island Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $79 |
| Geico | $82 |
| Travelers | $118 |
| Progressive | $129 |
| Amica | $136 |
| Cheapest Rhode Island Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| USAA | $287 |
| Geico | $292 |
| Progressive | $313 |
| Travelers | $361 |
| Allstate | $365 |
*Rates are for a 35-year-old driver who owns a 2023 Toyota Camry with no driving violations.
Cheapest Rhode Island Auto Insurance After a DUI: USAA
Rhode Island Minimum-Coverage Average After a DUI: $178
Rhode Island Full-Coverage Average After a DUI: $316
In Rhode Island, USAA offers the cheapest minimum-coverage rates for drivers with a DUI on their record, with Progressive close behind. Drivers with a DUI looking for full coverage can generally find the cheapest rates from Progressive at $228 per month on average.
| Cheapest Rhode Island Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $87 |
| Progressive | $103 |
| Travelers | $109 |
| Allstate | $138 |
| Farmers | $207 |
| Cheapest Rhode Island Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| Progressive | $228 |
| USAA | $251 |
| Travelers | $270 |
| Allstate | $312 |
| American Family | $474 |
*Rates are for a 35-year-old driver with no driving violations who owns a 2023 Toyota Camry.
Cheapest Rhode Island Auto Insurance After an Accident: USAA
Rhode Island Minimum-Coverage Average After an Accident: $126
Rhode Island Full-Coverage Average After an Accident: $297
Being at fault for an auto accident will impact your car insurance rates. For eligible Rhode Island drivers, USAA offers the cheapest rates after an accident. For minimum coverage, the provider’s average premium is 66% cheaper than the state average for drivers with a recent accident. USAA’s average full coverage rate for those same drivers is 54% cheaper than the average paid in Rhode Island.
If you do not qualify for USAA, both Travelers and Geico are affordable options if you have an accident on your record.
| Cheapest Rhode Island Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $43 |
| Travelers | $75 |
| Geico | $75 |
| Amica | $81 |
| Allstate | $150 |
| Cheapest Rhode Island Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| USAA | $136 |
| Travelers | $212 |
| Geico | $257 |
| Amica | $295 |
| Allstate | $330 |
*Rates are for a 35-year-old driver who owns a 2023 Toyota Camry and has good credit.
Cheapest Rhode Island Auto Insurance After a Speeding Ticket: USAA
Rhode Island Minimum-Coverage Average After a Speeding Ticket: $116
Rhode Island Full-Coverage Average After a Speeding Ticket: $290
USAA offers the cheapest minimum coverage to drivers with a speeding ticket in the Ocean State, with the average rate around 57% less than the state average. USAA also offers the cheapest full-coverage auto insurance to eligible drivers in this group, with rates that are 47% cheaper than the state average. If you don’t qualify for USAA, Travelers’ rates are a comparable option.
| Cheapest Rhode Island Car Insurance Company | Average Monthly Minimum Coverage Rate |
|---|---|
| USAA | $49 |
| Travelers | $67 |
| Geico | $106 |
| Amica | $112 |
| Allstate | $112 |
| Cheapest Rhode Island Car Insurance Company | Average Monthly Full Coverage Rate |
|---|---|
| USAA | $155 |
| Travelers | $188 |
| Progressive | $253 |
| Allstate | $255 |
*Rates are for a 35-year-old driver who owns a 2023 Toyota Camry and has good credit.
Car Insurance Costs by City in Rhode Island
Along with your age, credit score and driving record, car insurance rates can vary depending on your location within Rhode Island. You’ll pay slightly different rates in Bristol than in Pawtucket, for example, based in part on factors like traffic density, crime rates, and weather risks.
See the average cost of car insurance in each Rhode Island city below.
| City | Average Monthly Minimum-Coverage Rate |
|---|---|
| Barrington | $86 |
| Bristol | $81 |
| Central Falls | $113 |
| Coventry | $82 |
| Cranston | $106 |
| Cumberland | $89 |
| East Greenwich | $89 |
| East Providence | $101 |
| Johnston | $106 |
| Kingston | $72 |
| Lincoln | $90 |
| Narragansett | $73 |
| Newport | $69 |
| Newport East | $68 |
| North Kingstown | $77 |
| North Providence | $115 |
| North Smithfield | $82 |
| Pawtucket | $106 |
| Portsmouth | $70 |
| Providence | $120 |
| Riverside | $101 |
| Smithfield | $88 |
| Tiverton | $72 |
| Wakefield | $70 |
| Warren | $87 |
| Warwick | $93 |
| West Warwick | $91 |
| Westerly | $69 |
| Woonsocket | $89 |
Largest Auto Insurance Providers in Rhode Island
Progressive is the largest auto insurance provider in Rhode Island, according to National Association of Insurance Commissioners data. Below is a breakdown of the 10 largest car insurance companies in the state.
Rhode Island Car Insurance Trends: What You Need To Know
Risk factors that affect the cost of car insurance vary by region. In Rhode Island, the following risk factors can drive up the cost of insurance for everyone:
- Population density: Rhode Island has a density of 1,062 people per square mile and ranks second in the U.S. for population density, behind New Jersey. Higher population density means more cars on the road and greater chances for auto accidents. The higher risks of accidents equates to more expensive car insurance for a given area.
- Harsh weather: Rhode Island lies in the path of Nor’easter storms and coastal cyclones, which barrel through New England annually. When environmental damage claims increase in a region, car insurance companies usually raise rates to compensate. While Rhode Island averaged 0.7 disaster events per year from 1980 to 2024, that number has increased in the last five years to 1.8 disasters annually on average.
$ – $ per month
on car insurance.
Sorry, we couldn’t find any results based on your selections.
Cheap Car Insurance in Rhode Island: FAQ
Below are some frequently asked questions about cheap car insurance in Rhode Island:
Based on our research, USAA generally offers the cheapest car insurance in Rhode Island for a variety of driver profiles. We found the company charges an average of $43 per month for minimum liability coverage insurance, while a full-coverage policy averages $135 per month. For drivers who don’t qualify for USAA, Travelers is the next best option with an average minimum-coverage rate of $56 per month and full-coverage rate of $157 per month in Rhode Island.
Based on our research and estimates from insurers, Rhode Island drivers can expect to pay an average of $222 per month for full-coverage auto insurance, or $2,670 per year. Minimum coverage, on the other hand, costs Rhode Islanders about $85 per month or $1,026 per year on average. Keep in mind that car insurance rates will vary depending on a driver’s age, credit score, place of residence and other factors like their individual vehicle.
Our rate data shows USAA, Travelers, Geico, Quincy Mutual and Amica offer some of the lowest prices on car insurance for Rhode Island drivers.
How We Chose the Cheapest Car Insurance in Rhode Island
Our comprehensive rating system utilizes the latest 2025 insurance rates from Quadrant Information Services in combination with data we’ve collected on dozens of insurance companies. To help consumers get the most accurate picture of insurance rates in the state of Rhode Island, we’ve averaged rates from the 11 most popular providers across 78 Rhode Island ZIP codes. Unless otherwise specified, our base driver profiles for Rhode Island insurance quotes include male and female drivers, age 35, driving a 2023 Toyota Camry with a clean driving record and good credit.
We’ve also looked at quotes for Rhode Island drivers of multiple ages and those with a history of accidents, speeding tickets, DUIs or poor credit. Our minimum-coverage quotes reflect coverage that meets state minimum insurance requirements in Rhode Island, while our full-coverage quotes reflect the following coverage amounts:
✔ $50,000 per person in bodily injury coverage
✔ $100,000 per accident in bodily injury coverage
✔ $50,000 per person in property damage coverage
✔ $500 comprehensive coverage deductible
✔ $500 collision coverage deductible
*Data accurate at time of publication.
