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Average cost of car insurance in Rhode Island for 2022

Updated Dec 02, 2022
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How much is car insurance in Rhode Island? On average Rhode Island car insurance rates are $749 for minimum coverage and $2,018 for full. Of course, many things influence how much you’ll pay for auto insurance besides Rhode Island’s minimum requirements and your car’s make and model. Next in line comes your zip code, driving history, age, and chosen insurance provider.

How much does car insurance cost in Rhode Island?

Rhode Island auto insurance rates are determined by a variety of data points. For example, providers look at:

  • Age
  • Gender
  • Driving history
  • ZIP code
  • Car make and model
  • Deductible
  • Credit score
  • State requirements
  • Coverage amount

Each driver has a unique premium that fluctuates as life changes. However, the state average is $2,018 for full coverage and $749 for minimum. This is more than the national average, which is currently $1,674 and $565.

Rhode Island car insurance rates by company

The table below shows the importance of shopping around for the cheapest car insurance company. As you can see, companies do not charge the same as the state average. Luckily, Rhode Island drivers have a lot of great companies to choose from based on their needs and the factors that influence their personal rate.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Allstate $1,219 $3,853
Amica $512 $1,810
Geico $643 $1,798
MetLife $1,147 $2,855
Nationwide $766 $1,722
Progressive $1,012 $2,433
Quincy Mut Grp $805 $2,071
State Farm $329 $955
Travelers $558 $1,308
USAA $523 $1,297

Rhode Island car insurance rates by city

The following list shows the top 20 most populated cities in Rhode Island followed by their average premiums and how they compare to the state average for full coverage ($2,018). Though some cities are less populated than others, providers still charge drivers living in certain ZIP codes more on average.

City Average annual premium for full coverage % increase in average annual premium
Providence $2,651 31%
Warwick $2,027 0%
Cranston $2,480 23%
Pawtucket $2,248 11%
Woonsocket $1,946 -4%
Coventry $1,917 -5%
West Warwick $2,024 0%
Johnston $2,501 24%
Newport $1,577 -22%
Bristol $1,880 -7%
North Kingstown $1,788 -11%
East Providence $2,143 6%
Westerly $1,683 -17%
Lincoln $2,064 2%
Central Falls $2,387 18%
Riverside $2,212 10%
Portsmouth $1,630 -19%
Barrington $1,898 -6%
Tiverton $1,670 -17%
North Providence $2,580 28%

Rhode Island car insurance rates by age

Average car insurance rates in Rhode Island are heavily influenced by a driver’s age. This is because younger drivers file more claims than older, more experienced ones. As you can see, there is a shift for most drivers by the time they turn 25, assuming they have maintained a clean driving record.

Age Average annual premium in Rhode Island
Age 16* $2,927
Age 18 $6,041
Age 20 $1,430
Age 25 $2,324
Age 30 $2,038
Age 40 $1,937
Age 50 $1,742
Age 60 $574
Age 70 $1,884

*16 year old calculated on parent’s policy disclosure

Rhode Island car insurance rates by driving record

The average cost of car insurance in Rhode Island takes a sharp turn after a driving offense. Get a speeding ticket, accident or DUI on your record and you will generally pay a lot more for the same amount of coverage.

The table below illustrates the average increase after a single conviction. If you become a repeat offender, however, the increase will be even more.

Driving incident Average annual full coverage premium in Rhode Island % increase of average annual premium
Speeding ticket $2,426 20.21%
Accident $2,376 17.74%
DUI $3,695 83.10%

How to save on car insurance in Rhode Island

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

  • Shop around: If you have never shopped around because you assumed you would get the same rate with a different company, you are likely in for a pleasant surprise. Consider getting several quotes so you can compare your options.
  • Compare discounts: Once you start looking into discounts you will notice many insurance providers offer similar discounts. However, not all providers will give the same amount or have the same eligibility requirements. To find out how much you might save, speak with an agent during the quote process. This will help you find the cheapest insurance company for you.
  • Consider increasing your deductible: A low deductible means you will likely get a higher insurance payout after an accident, while a high deductible is the opposite. Increasing your deductible will save you money on your premium every month, but some people do not choose this option because they do not want to pay the higher amount before their insurance company helps pay for damages.
  • Drive an older car: An older car with a high safety rating could save you a lot of money on your car insurance bill. Maximize your savings by buying a car that would make you eligible for car-oriented discounts such as anti-lock brakes and daytime running lights.
  • Increase your credit score: It is legal for car insurance companies in Rhode Island to use your credit score when calculating 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


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.

Written by
Lauren Ward
Insurance Contributor

Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and She covers auto, homeowners, life insurance, and other topics in the personal finance industry.