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Best car insurance in Rhode Island for 2023

Updated Sep 13, 2023
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Best car insurance companies in Rhode Island

We began our search for the best auto insurance in Rhode Island by partnering with Quadrant Information Services to obtain current quoted premium information from the largest insurance carriers in the state. We then reviewed each company’s coverage options, discounts, financial strength ratings and third-party customer service scores — like the 2022 J.D. Power Auto Insurance Study — to assign each carrier a Bankrate Score. The higher the Bankrate Score, the higher each company ranked in each category. To evaluate how competitive these rates are in Rhode Island, we can compare them to the state’s annual averages for full and minimum coverage, which are $1,886 and $551, respectively.

If you are looking for the best car insurance in Rhode Island, you may want to consider the following companies:

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (New England)
827
/1,000
Average monthly full coverage premium
$144
Average annual full coverage premium
$1,729
Amica
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (New England)
862
/1,000
Average monthly full coverage premium
$142
Average annual full coverage premium
$1,709
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (New England)
884
/1,000
Average monthly full coverage premium
$108
Average annual full coverage premium
$1,299
Travelers
Rating: 4 stars out of 5
4.0
Bankrate Score
Info
J.D. Power score (New England)
816
/1,000
Average monthly full coverage premium
$129
Average annual full coverage premium
$1,544
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (New England)
Not rated
Average monthly full coverage premium
$154
Average annual full coverage premium
$1,843
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

*USAA is not officially ranked by J.D. Power due to eligibility restrictions

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (New England)
827
/1,000
Average monthly minimum coverage premium
$41
Average annual minimum coverage premium
$489
Amica
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (New England)
862
/1,000
Average monthly minimum coverage premium
$39
Average annual minimum coverage premium
$465
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (New England)
884
/1,000
Average monthly minimum coverage premium
$40
Average annual minimum coverage premium
$474
Travelers
Rating: 4 stars out of 5
4.0
Bankrate Score
Info
J.D. Power score (New England)
816
/1,000
Average monthly minimum coverage premium
$39
Average annual minimum coverage premium
$464
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (New England)
Not rated
Average monthly minimum coverage premium
$69
Average annual minimum coverage premium
$826
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

*USAA is not officially ranked by J.D. Power due to eligibility restrictions

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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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.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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Insurance Disclosure

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 for discount variety

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 827/1,000 AM Best: A++

Average annual premium

$ 1,729 for full coverage
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Why Geico made our list: Although Geico doesn't have the average cheapest Rhode Island rates on our list, the company has an extensive list of discounts that may help policyholders save on their premiums. Potential savings are available for military service, good students, bundling and alumni affiliation. Geico also stood out for its digital tools, which allow policyholders to manage their policies and file claims through its website or mobile app.

Who Geico may be good for: Drivers who value digital tool accessibility and discount variety may be interested in Geico. 

Read full Geico Insurance review

Best for customer service

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 862/1,000 AM Best: A+

Average annual premium

$ 1,709 for full coverage
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Answer a few questions to see personalized rates from top carriers.

Why Amica made our list: In addition to earning the highest customer satisfaction score in the New England region of the J.D. Power study, Amica tied with Geico as our best auto insurance company overall in the 2023 Bankrate Awards. The company has a live chat option for policy management and claims filing, as well as a fairly unique set of discounts. Potential savings are available for setting up auto-pay, owning a home and driving a vehicle with forward collision warning. For more information on Amica’s rates and coverage options, you may want to 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.

Read full Amica Insurance review

Best for military-focused coverage options

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 884/1,000 AM Best: A++

Average annual premium

$ 1,299 for full coverage
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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 family. 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. 

Read full USAA Insurance review

Best for coverage customizations

Rating: 4 stars out of 5
4 Bankrate Score
JD Power: 816/1,000 AM Best: A++

Average annual premium

$ 1,544 for full coverage
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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. Travelers did score below the segment average in the J.D. Power 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. It may also appeal to drivers with electric or hybrid vehicles. 

Read full Travelers Insurance review

Best for unique coverage options

Rating: 3.9 stars out of 5
3.9 Bankrate Score
JD Power: Not rated AM Best: A+

Average annual premium

$ 1,843 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Nationwide made our list: Nationwide has some of the highest average rates on our list, 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 programs. 

Read full Nationwide Insurance review

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.

How much is car insurance in Rhode Island?

The average annual cost of car insurance in Rhode Island is $1,886 per year for full coverage. This is lower than the U.S. national average of $2,014. Minimum coverage is also cheaper than average in the state at $551 per year compared to the national average of $622. 

Although Rhode Island's average premiums are below the national average, they are a bit pricier than some neighboring states. Connecticut has annual average rates of $1,553 for full coverage and $620 for minimum. Massachusetts has annual averages of $1,262 for full coverage and $429 for minimum. Differences in cost may be the result of several variables, including rates of traffic accidents, population densities, local costs of repairs and more.

Average annual premium for full coverage in Rhode Island Average annual premium for minimum coverage in Rhode Island
$1,886 $551

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:

Consider minimum insurance requirements in Rhode Island

Rhode Island requires all drivers to have the state-mandated minimum amount of car insurance to legally drive their car on the road. Reputable car insurance companies will not allow you to buy a policy with less than these minimum liability requirements, but most insurance professionals recommend purchasing higher limits if you can afford to do so. Full coverage car insurance may offer better financial protection in the event of an accident or other covered incident. 

Consider lender requirements

If you finance or lease your vehicle, you may be required to carry full coverage car insurance. These requirements may help to protect both you and the lender if your vehicle becomes damaged or totaled. Without full coverage, drivers can be stuck paying off the loan on a car that is no longer functional while still needing to find the finances for a new vehicle.

Consider your individual needs

Everyone has different needs when it comes to auto insurance coverage. Maybe you have a young driver and need a company with plenty of teen driver discounts. Or perhaps your driving record is not the best, and you need a company that will insure high-risk drivers. The first step to finding the best coverage for you is likely understanding what you need. Once you've narrowed down the coverage types, discounts and digital tools you want, you can compare quotes from carriers that offer these options. 

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Written by
Joshua Cox-Steib
Contributor, Personal Finance

Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate, Coverage.com, The Simple Dollar, Reviews.com, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.

Edited by Editor, Insurance