Best Cheap Car Insurance in Rhode Island 2020

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Rhode Island is the smallest state in the U.S. with just over 1,000 miles of roadway. But despite having a population of slightly over one million, car insurance in Rhode Island 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 2019 Auto Insurance Study for the New England region and were evaluated based on their coverage options, price, claims handling process and customer service.

  • Allstate: Allstate is well known for being an all-around strong insurance provider. It has a variety of coverage options and discounts available.
  • Amica: Amica earned the top spot on J.D. Power’s list, receiving 5 out of 5 stars for overall satisfaction, policy offerings and customer experience.
  • Geico: Geico consistently offers some of the lowest insurance rates for Rhode Islanders. The company received 5 out of 5 stars for price in J.D. Power’s study.
  • Progressive: Progressive earned 4 out of 5 stars in J.D. Power’s study for price and policy offerings. It is a great option for drivers of all ages.

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, including the Better Business Bureau (BBB) and AM Best.

J.D. Power BBB AM Best
Amica 5 out of 5 A+ A+
Geico 4 out of 5 A+ A++
Allstate 4 out of 5 A+ A+
Progressive 3 out of 5 C- A+

Finding the right cheap car insurance in Rhode Island for you

The four providers we evaluated on this list all offer reasonable premiums, but remember that the cheapest car insurance in Rhode Island for you depends on factors like your accident history, credit score and age. Each company will appeal to a different type of driver based on their unique circumstances.

Cheapest Rhode Island car insurance for safe drivers: Progressive

Through Progressive’s Snapshot program, drivers can save money on their rates based on how well they drive. The company estimates that drivers who enroll in the program can save an average of $145 on their annual premium.

Cheapest Rhode Island car insurance for military personnel: Geico

Geico is the only insurance provider on our list that offers a military discount. If you’re an active member of the military, you can save 15% on your car insurance premium with Geico. There’s also a 25% discount for service members who have to go on emergency deployment.

Cheapest Rhode Island car insurance for students: Progressive

Progressive offers discounts for student drivers that maintain a ‘B’ average or better in school. If your child is on your auto insurance plan, you’re in luck. There is also a discount for  full-time students who are in school more than 100 miles away from home and don’t have a vehicle with them.

Cheapest Rhode Island car insurance for drivers with one accident: Allstate

If you have a history of accidents or traffic violations, you can expect to pay more for your insurance premiums. But with Allstate’s accident forgiveness program, your rates won’t increase if you’ve been in an accident.

Average cost of car insurance in Rhode Island

According to The Zebra, the average cost of car insurance in Rhode Island is $2,004 per year, about 40% higher than the U.S. national average. But that doesn’t mean that every driver should expect to pay that exact rate. The actual cost of your car insurance in Rhode Island depends on a variety of factors, such as your age:

  • 18 year old: $7,295
  • 40 year old: $1,799

Your credit score:

  • Poor credit: $3,572
  • Excellent credit: $2,016

And your driving history:

  • At-fault accident: $2,395
  • DUI: $3,495

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

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 $25,000 in property damage coverage, which will pay for repairs to another car or structure if you’re found at-fault. Drivers must also have $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.

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 cheapest 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.