Best car insurance companies in Rhode Island

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    Article Highlights

    For drivers looking for the best car insurance in Rhode Island, we have provided an overview of the top providers by market share. Our report includes a look at what the average rates are for Rhode Island and how these rates are affected by your driving record. You can also compare rates by provider and major cities in Rhode Island.

    The average Rhode Island driver pays $2,103 per year for insurance, which breaks down to about $175 each month for 12 months of coverage. In comparison, the national average car insurance rate in the United States is $1,555 per year for a 12 month, full coverage policy. The average minimum coverage rate across the U.S. is $545 for a 12 month premium.

    While these rates may be useful in your comparison-shopping, please keep in mind that the following rates represent averages for Rhode Island and may not reflect your actual premium quote.

    Rhode Island Quickfacts

    • Cheapest carrier for full coverage in Rhode Island is Travelers: $1,481
    • Cheapest carrier for minimum coverage in Rhode Island is Amica: $504
    • Carrier with highest customer satisfaction in Rhode Island: USAA
    • Number of uninsured drivers in Rhode Island: 15.2%
    • Rhode Island is on the higher end for car insurance rates

    Average cost of car insurance in Rhode Island

    Clean record 1 speeding ticket 1 accident
    Full coverage$2,066$2,610$2,953
    Minimum coverage$790$1,009$1,202

    Quadrant data services, 2020

    Best car insurance companies in Rhode Island

    Average annual premiums by insurance carrier

    Company Full coverage rate Minimum coverage rate

    Quadrant data services, 2020

    Car insurance rates in Rhode Island by city

    City Full coverage annual rate Minimum coverage annual rate
    East Providence$2,137$797

    Quadrant data services, 2020


    Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.

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