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Best car insurance in Rhode Island for 2024

Geico, Amica, USAA, Travelers and Nationwide write some of the best car insurance policies in Rhode Island.

Updated Feb 21, 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.

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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 $800 per year. Full coverage averages $2,683 per year.

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

Insurance company
Bankrate Score
Info
Average full coverage rate Average min coverage rate
4.6
Rating: 4.6 stars out of 5
$2,246
$523
4.4
Rating: 4.4 stars out of 5
$2,562
$753
4.2
Rating: 4.2 stars out of 5
$1,566
$469
4.2
Rating: 4.2 stars out of 5
$1,831
$542
4.0
Rating: 4 stars out of 5
$2,057
$1,089

Amica

Best for customer service

4.6

Rating: 4.6 stars out of 5

Avg. full coverage premium

$187/mo

Avg. full coverage premium

$2,246/yr

Customer satisfaction

Not rated

Geico

Best for discount variety

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$213/mo

Avg. full coverage premium

$2,562/yr

Customer satisfaction

Not rated

USAA

Best for military-focused coverage options

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$130/mo

Avg. full coverage premium

$1,566/yr

Customer satisfaction

Not rated

Travelers

Best for coverage customization

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$153/mo

Avg. full coverage premium

$1,831/yr

Customer satisfaction

Not rated

Nationwide

Best for unique coverage options

4

Rating: 4 stars out of 5

Avg. full coverage premium

$171/mo

Avg. full coverage premium

$2,057/yr

Customer satisfaction

Not rated

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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.

Bankrate logo

Why you can trust Bankrate

Read our full methodology

To 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

20.7K

ZIP codes examined

1.2M

quotes analyzed

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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.

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:

Related content:

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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.

How much is car insurance in Rhode Island?

Based on data from Quadrant Information Services, the average cost of car insurance in Rhode Island is $2,683 annually for full coverage, while minimum coverage averages $800. These averages are just above the national averages, which are $2,545 for full and $741 for minimum coverage insurance. Rhode Island's averages are also higher than some of its neighboring states. Massachusetts' annual averages are $1,646 for full and $416 for minimum coverage, while Connecticut drivers pay an average of $2,187 for full and $826 for minimum insurance. Your rate will be based on factors unique to you and your vehicle, and is likely to vary from the average.

City Avg. annual full coverage premium Avg. savings vs. state average

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.

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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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze February, 2024 rates for 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 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 coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

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46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
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Written by
Mary Van Keuren
Contributor, Insurance

Mary Van Keuren has written for insurance domains such as Bankrate, Coverage.com, and The Simple Dollar for the past five years, specializing in home and auto insurance. She has also written extensively for consumer websites including Reviews.com and Slumber Yard. Prior to that, she worked as a writer in academia for several decades.

Edited by Editor, Insurance