Average cost of car insurance in Rhode Island in 2025

How much is car insurance in Rhode Island? 

The average car insurance cost in Rhode Island is $926 per year for minimum coverage and $2,997 per year for full coverage. These are slightly higher than the national averages of $808 and $2,692, respectively. However, your own rate will vary since it's based on multiple factors unique to you, such as your age, credit and gender, as well as your car's make, model and age.

Key takeaways

• Full coverage car insurance in Rhode Island costs an average of $250 per month, while minimum coverage averages $77 per month.
• Young male drivers on their own car insurance policies pay some of the highest average rates for car insurance in Rhode Island.
• Rhode Island drivers with poor credit pay an average of 81 percent more for full coverage car insurance compared to those with good credit.

What would you like to do today?

Rhode Island car insurance rates by city

One of many factors insurers take into account when calculating your premium is your ZIP code. Drivers in areas with high accident or theft rates typically pay more for coverage to compensate for this added risk. Regional weather patterns and local repair costs can also influence rates. Below are the average car insurance rates in some of Rhode Island's largest cities.

Average car insurance costs by age and gender in Rhode Island

Rhode Island car insurance carriers are allowed to consider your age and gender when calculating your premium. Young drivers typically pay more for car insurance than older drivers, up until age 70. This is because younger, less experienced drivers tend to have more accidents and file more claims. Rates tend to drop as the driver ages, all other things being equal. Gender, too, plays a role in most states, because male drivers are statistically more likely to be involved in accidents than females. Below you can see what you might pay for coverage as you age in Rhode Island.

Cost considerations for young drivers in Rhode Island

Young drivers under the age of 20 typically pay much higher rates for car insurance, but as you can see, young drivers in Rhode Island who stay on their parents’ full coverage policy typically pay much cheaper rates than those who opt to purchase their own car insurance policy once they turn 18. However, some car insurance companies require that you live with your parents to remain insured on their policy.

How does driving record impact the cost of car insurance in Rhode Island?

Car insurance rates in Rhode Island by credit score

Rhode Island car insurance rates by vehicle type

Estimate your car insurance cost in Rhode Island

Bankrate developed the handy tool below to help you determine a benchmark figure for your premium costs. By inputting a few key data points, it will give you an estimate of what your Rhode Island car insurance rates are likely to be. It's not an exact quote — you'll need to talk to an agent or request a quote online to have an exact number — but it can be helpful when you begin your search for the best rate.

How to save on car insurance in Rhode Island

As a driver, average car insurance rates in Rhode Island or even the average cost for your age do not determine the exact price you will pay. Personal characteristics and policy options can help save you money, and so can taking a few extra steps when finding insurance:

• Gather multiple quotes: Every insurance company has its own methodology for determining rates. You may be surprised, therefore, at the range of prices you'll get when you ask for quotes from more than one company. Shopping around can help you determine which insurer is able to give you the lowest price for your coverage. Make a point of using the same coverage types and limits when requesting quotes so it’s easier to do an even comparison.
• Take advantage of renewal time: It's likely that your policy renews every six months to a year. At renewal time, it’s helpful to review your coverage to ensure it's still what you want. As your car ages, for example, it may make financial sense to drop your collision coverage. At renewal, it may also be a good time to gather a few quotes from other insurers to see if you can get a better deal on your car insurance.
• Consider discounts: Almost every insurer has at least a few discounts, but they may vary from carrier to carrier. Make sure you're getting all the discounts you're entitled to by speaking with an agent when you purchase your insurance, so that you know you've got the most affordable coverage for your needs.
• Consider increasing your deductible: A low deductible means you will pay less out of pocket after a covered claim, while a high deductible means the opposite. Increasing your deductible is likely to save you money on your premium every month, but your collision and comprehensive deductibles may affect your premium differently. To adjust your deductible, it can be a good idea to work with a licensed agent who can review how the change will impact your premium.
• Increase your credit score: In Rhode Island, car insurance companies are allowed to take credit into consideration when determining your premium. Drivers with higher credit scores generally get more favorable rates because drivers with low credit scores have been linked to a higher percentage of claims.

Frequently asked questions

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.