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Best car insurance in Rhode Island for 2024
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance companies in Rhode Island
To find the best auto insurance in Rhode Island, we sourced average rate data from Quadrant Information Services for the largest insurers writing policies in the Ocean State. We took a close look at each company's available discounts and optional coverage types, called endorsements. We reviewed ratings from third-party organizations like AM Best, which monitors financial strength, and J.D. Power, whose 2023 U.S. Auto Insurance Study assesses customer satisfaction.
With all this data in hand, we assigned each carrier a Bankrate Score out of 5 points. The higher an insurer's Bankrate Score is, the more it excels in all our parameters. You may be able to use these Scores to quickly assess how well a carrier may be able to meet your insurance needs. To give you a point of comparison, the average cost of minimum coverage car insurance in Rhode Island is $852 per year. Full coverage averages $2,726 per year.
If you are looking for the best car insurance in Rhode Island, you may want to consider quotes from the following companies:
|
|
|
|
---|---|---|---|
4.6
|
$2,544
|
$594
|
|
4.4
|
$2,681
|
$769
|
|
4.2
|
$1,830
|
$580
|
|
4.2
|
$1,881
|
$548
|
|
4.0
|
$2,720
|
$1,272
|
Amica
Best for customer service
4.6
4.6
Avg. full coverage premium
$212/mo
Avg. full coverage premium
$2,544/yr
Customer satisfaction
709/1,000
-
Why Amica made our list: In addition to earning the second-highest customer satisfaction score in the New England region of J.D. Power’s car insurance study, Amica tied with Geico for Best Auto Insurance Company Overall in the 2024 Bankrate Awards. The company has a live chat option for policy management and claims filing, as well as a fairly uncommon set of discounts. Potential savings are available for setting up autopay, owning a home and driving a vehicle with forward collision warning. For more information on Amica’s rates and coverage options, request an insurance quote from Amica.
Who Amica may be good for: Amica may be a good fit for drivers who want robust coverage options and readily available customer service.
Geico
Best for discount variety
4.4
4.4
Avg. full coverage premium
$223/mo
Avg. full coverage premium
$2,681/yr
Customer satisfaction
638/1,000
-
Why Geico made our list: Although Geico doesn't have the cheapest average rates for Rhode Island car insurance, the company has an extensive list of discounts that may help policyholders save on premiums. Potential savings are available for military service, good students, bundling policies and alumni affiliation. Geico also has highly regarded digital tools, which allow policyholders to manage their insurance and file claims through the company website or mobile app.
Who Geico may be good for: Drivers who value digital tool accessibility and discount variety may be interested in Geico.
USAA
Best for military-focused coverage options
4.2
4.2
Avg. full coverage premium
$152/mo
Avg. full coverage premium
$1,830/yr
Customer satisfaction
741/1,000
-
Why USAA made our list: USAA consistently scores highly on J.D. Power reports, but it is technically ineligible for ranking because coverage is only available to current and former military members and their immediate families. Military-focused discount options include potential savings for garaging a vehicle on base and lower rates while you're deployed. USAA has a superior financial strength rating from AM Best and offers highly competitive average rates in Rhode Island.
Who USAA may be good for: USAA may be a good fit for eligible drivers interested in military-focused coverage options and low rates.
Travelers
Best for coverage customization
4.2
4.2
Avg. full coverage premium
$157/mo
Avg. full coverage premium
$1,881/yr
Customer satisfaction
623/1,000
-
Why Travelers made our list: Travelers offers competitive average rates in Rhode Island, as well as extensive coverage and policy customization options. Policyholders may be able to build a more robust policy with accident forgiveness coverage, new car replacement coverage, rideshare coverage and roadside assistance. The company also offers several discounts for qualifying drivers, including a potential discount for drivers with electric or hybrid vehicles. However, Travelers scored below the segment average in the J.D. Power car insurance study, so you may want to speak with current policyholders about their customer service experience.
Who Travelers may be good for: Travelers may be a good fit for drivers who want to build a customized policy and owners of electric or hybrid vehicles.
Nationwide
Best for uncommon coverage options
4
4
Avg. full coverage premium
$227/mo
Avg. full coverage premium
$2,720/yr
Customer satisfaction
Not rated
-
Why Nationwide made our list: Nationwide has higher average rates than some other carriers, but its average full coverage premium is still below the state average for Rhode Island. Policyholders who want to participate in a telematics program have two to choose from with Nationwide: SmartRide is a standard telematics program and SmartMiles is a pay-per-mile option for low-mileage drivers. Other Nationwide coverage options that may be hard to find elsewhere include accident forgiveness, a vanishing deductible and policies tailored to classic cars.
Who Nationwide may be good for: Nationwide may be a good fit for drivers with unique coverage needs and low-mileage drivers interested in pay-per-mile insurance.
How Bankrate chose the best car insurance companies in Rhode Island
To determine the best Rhode Island auto insurance, we pulled average rate data for some of the largest companies by market share. We then compared financial strength ratings and customer satisfaction scores from AM Best and J.D. Power. Coverage options, discounts and digital tools were also assessed for top carriers before assigning each a Bankrate Score out of 5 points.
Why you can trust Bankrate
Read our full methodologyTo help Rhode Island drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in Rhode Island
Car insurance is a personal product, so the best company and coverage options for you may depend heavily on your personal needs. If you are shopping for Rhode Island car insurance, you may want to start with the following steps:
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Answer a few questions to see personalized rates from top carriers in Rhode Island
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Rhode Island?
Based on data from Quadrant Information Services, the average cost of car insurance in Rhode Island $2,726 annually for full coverage, while minimum coverage averages $852. These averages are just above the national averages, which are $2,458 for full and $678 for minimum coverage insurance. Rhode Island's averages are also higher than some of its neighboring states. Massachusetts' annual averages are $1,828 for full and $481 for minimum coverage, while Connecticut drivers pay an average of $2,506 for full and $987 for minimum insurance. Your rate will be based on factors unique to you and your vehicle and is likely to vary from the average.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|
Narragansett | $2,310 | -17% |
Peace Dale | $2,352 | -15% |
Foster | $2,666 | -2% |
Wyoming | $2,324 | -16% |
Harmony | $2,597 | -5% |
Portsmouth | $2,136 | -24% |
Chepachet | $2,562 | -6% |
Greenville | $2,680 | -2% |
Providence | $3,468 | +24% |
Pawtucket | $2,966 | +8% |
Wakefield | $2,288 | -17% |
Wood River Junction | $2,310 | -17% |
East Providence | $2,821 | +3% |
Cranston | $3,172 | +15% |
West Warwick | $2,630 | -4% |
North Kingstown | $2,303 | -17% |
Hope Valley | $2,338 | -15% |
Prudence Island | $2,138 | -24% |
Bradford | $2,301 | -17% |
Middletown | $2,100 | -26% |
Adamsville | $2,173 | -23% |
Shannock | $2,313 | -16% |
Ashaway | $2,311 | -16% |
Pascoag | $2,579 | -6% |
Slatersville | $2,532 | -7% |
Jamestown | $2,120 | -25% |
Warwick | $2,662 | -2% |
Coventry | $2,477 | -10% |
Lincoln | $2,775 | +2% |
Clayville | $2,724 | -0% |
Newport | $2,111 | -25% |
Bristol | $2,453 | -11% |
Mapleville | $2,560 | -6% |
Hopkinton | $2,301 | -17% |
Westerly | $2,191 | -22% |
Central Falls | $3,207 | +16% |
Tiverton | $2,210 | -21% |
West Kingston | $2,331 | -16% |
Little Compton | $2,127 | -25% |
Riverside | $2,940 | +8% |
Albion | $2,592 | -5% |
West Greenwich | $2,506 | -8% |
Hope | $2,877 | +5% |
East Greenwich | $2,542 | -7% |
Woonsocket | $2,608 | -4% |
North Scituate | $2,666 | -2% |
Johnston | $3,346 | +20% |
Saunderstown | $2,375 | -14% |
North Providence | $3,454 | +24% |
Glendale | $2,576 | -6% |
Manville | $2,665 | -2% |
Greene | $2,456 | -10% |
Cumberland | $2,638 | -3% |
Charlestown | $2,329 | -16% |
Harrisville | $2,548 | -7% |
North Smithfield | $2,545 | -7% |
Rockville | $2,326 | -16% |
Smithfield | $2,647 | -3% |
Exeter | $2,379 | -14% |
Kenyon | $2,313 | -16% |
Rumford | $2,898 | +6% |
Warren | $2,487 | -9% |
Oakland | $2,537 | -7% |
Barrington | $2,505 | -8% |
Fiskeville | $2,921 | +7% |
Slocum | $2,417 | -12% |
Kingston | $2,311 | -16% |
Block Island | $2,247 | -19% |
Forestdale | $2,698 | -1% |
Carolina | $2,307 | -17% |
Estimate your car insurance cost in Rhode Island
Your auto insurance rates will vary from Rhode Island state averages based on your driving record, age, credit history, ZIP code and more. Entering a few basic pieces of information into the tool below will give you a more personalized estimate. It won't be an exact quote, but it will give you a benchmark to work from while you shop around for your own coverage.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500These are sample rates and should only be used for comparative purposes.