Best Cheap Car Insurance in Rhode Island 2021

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Rhode Island is the smallest state in the U.S. with just over 1,000 miles of roadway. Despite having a population of slightly over one million, Rhode Island car insurance is among the most expensive in the country. To keep costs down, drivers need to find a car insurance provider that can meet their needs and fit their budget.

Every driver in Rhode Island is required by law to purchase car insurance, but finding the cheapest auto insurance isn’t always easy. Your annual premium is largely dependent on a variety of factors, like your vehicle type, driving history, credit score, deductible and even your marital status. It’s important to do research to find a company that can offer you the best value.

Best car insurance companies in Rhode Island

To simplify your insurance buying experience, we put together a list of the cheapest auto insurance companies in Rhode Island. These providers were ranked highly in J.D. Power’s 2020 Auto Insurance Study for the New England region and were evaluated based on their coverage options, price, claims handling process and customer service.

In addition to appearing on J.D. Power’s latest insurance study, the top four companies we chose are also highly rated by other prominent market research firms.

J.D. Power customer satisfaction score AM Best financial stability rating Average annual premium for full coverage
Amica 863/1000 A+ $1,725
Geico 841/1000 A++ $1,722
Allstate 812/1000 A+ $2,409
Progressive 828/1000 A+ $814


Allstate is known for being an all-around strong insurance provider. It has a variety of coverage options and discounts available. Although its average annual premium for full coverage is quite high at $2,409, drivers can take advantage of its discount and bundling options to lower the premium.


Amica earned the top spot on J.D. Power’s list, receiving 863/1000 points for overall satisfaction, policy offerings and customer experience. The insurer also received an A+ rating for strong financial health from AM Best. Amica also offers some unique coverage options like free lock replacement if you lose your keys, free airbag repair after an accident, lost wage coverage if you have to go to court for a claim and no depreciation loss if a new vehicle is totaled.


Geico consistently offers some of the lowest insurance rates for Rhode Islanders. The company received 841/1000 for price in J.D. Power’s study. Besides standard car insurance, Geico offers RV, motorcycle, collector auto, rideshare, Mexico and commercial vehicle insurance. The provider offers several possible discounts and other insurance products for renters and homeowners as bundling options.


Progressive earned 828/1000 points in J.D. Power’s study for price and policy offerings. It is a great option for drivers of all ages. Progressive also offers one of the cheapest car insurance premiums for full coverage across Rhode Island. This provider also offers some helpful additional options such as custom parts and equipment value coverage, a deductible savings bank, rental car reimbursement and roadside assistance.

Average cost of car insurance in Rhode Island

The average cost of car insurance in Rhode Island is $1,846 per year for full coverage, about 40% higher than the U.S. national average of $1,738.

Average annual premium for minimum coverage in Rhode Island Average annual premium for full coverage in Rhode Island
$605 $1,846

State minimum insurance requirements in Rhode Island

The state of Rhode Island requires all drivers to have a minimum amount of car insurance to legally have their car on the road. Drivers must carry $25,000/$50,000 in bodily injury protection, which will cover:up to $25,000 in expenses for one person hurt in an accident, or up to $50,000 if more than one person is injured.

Drivers are also required to have the following:

  • $25,000 in property damage coverage, which will pay for repairs to another car or structure if you’re found at-fault.
  • $25,000/$50,000 in uninsured/underinsured motorist coverage. That type of coverage pays for damages to your car or medical expenses if you are injured in an accident caused by an uninsured driver, or a driver that does not have enough insurance to cover your claim.

How to get the best car insurance

When shopping around for car insurance, compare the prices for full coverage, rather than minimum coverage. Although minimum coverage allows you to abide by your state minimum requirements law for auto insurance, it does not protect you and your passengers in the event you’re involved in a no-fault accident. To prevent paying more in the long run, search for full coverage car insurance.

You’ll also need to evaluate your needs, evaluate your personal details, and consider your geographic location when looking to find the best car insurance.

Evaluate your needs

Each car insurance company offers different coverage options and has different requirements for obtaining insurance. Look at your driving record, accident history, claims history and credit score as these are all factors that can affect your car insurance premium. You will also want to consider your gender, age, marital status, and any future plan you may have such as if you’ll be buying a new home or car.

For example, if you are about to purchase a new home, some insurance companies like Progressive and Geico offer bundling options for auto and home. Additionally, some insurance companies will also offer a homeowners discount, enabling you to save more with these options in mind.

Consider state factors

Each car insurance company offers add-on coverage options that differ based on your geographic location. That’s why there are local agents representing each area code so that they can assist Rhode Island drivers specific to their geographic needs. In Rhode Island, according to the III, 15.3% of drivers are uninsured. This ranks the state at 13 with the most uninsured drivers. Therefore, considering an add-on like uninsured motorist coverage is something to look into.

Car insurance discounts in Rhode Island

If price is your main focus when shopping for auto insurance, you’re in luck. All of the providers on our list offer discounts to help customers save money on their premiums.

Amica offers savings for:

  • Staying claim-free for three years
  • Signing up for autopay
  • Insuring multiple vehicles

Geico will lower your premium if you:

  • Have an anti-theft system in your car
  • Take a defensive driving course
  • Are a member of the military

Allstate helps drivers save money if they:

  • Sign up for paperless billing
  • Insure a new vehicle
  • Are a good student

Progressive’s auto insurance discounts include:

  • Owning a home
  • Getting a quote online
  • Paying your premium in full

Frequently asked questions

Is car insurance required in Rhode Island?

Yes, auto insurance is a legal requirement for all drivers in Rhode Island. In the section above, we layed out exactly how much car insurance you are required to have. However, you can opt to purchase more coverage than what’s required for more protection.

What is the best car insurance in Rhode Island?

The cheapest car insurance provider is highly individualized. Your rates will vary based on your age, driving history, credit score, location and type of vehicle. Because of that, there is no one company that offers the cheapest rates for every driver.

What information is needed to get car insurance in Rhode Island?

To get car insurance, you need to submit some information about yourself and your car. Be prepared with your vehicle’s VIN number and the year, make and model. Some companies also require the driver to submit their Social Security number so they can give you an accurate quote based on your credit score.

How can I save money on car insurance?

There are a variety of ways to save money on your car insurance. Try raising your deductible, finding discounts you qualify for, paying your premium in full, improving your credit score and remaining accident-free.


Bankrate utilizes Quadrant Information Services to analyze 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 cleaning 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 sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.