Rhode Island Car Insurance Quotes & Average Rates
Full coverage car insurance in Rhode Island is estimated at $2,494 a year, or $208 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $941 a year. Rhode Island is an at-fault state, and drivers must carry 25/50/25 liability limits. Below you will find estimated rates for 23 Rhode Island cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Rhode Island
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Rhode Island
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,895 | $158 | -24% | Military members and families only |
| Geico | $2,045 | $170 | -18% | Usually cheapest for clean records |
| State Farm | $2,195 | $183 | -12% | Strong for young and student drivers |
| Progressive | $2,369 | $197 | -5% | Competitive after a ticket or accident |
| Travelers | $2,419 | $202 | -3% | Good multi-policy discounts |
| Nationwide | $2,494 | $208 | 0% | Mid-market, wide availability |
| Allstate | $2,843 | $237 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $3,018 | $252 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Rhode Island. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Rhode Island car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $6,736 | $2,542 | $561 |
| 18 years old | $5,682 | $2,144 | $474 |
| 20 years old | $4,705 | $1,775 | $392 |
| 22 years old | $3,908 | $1,475 | $326 |
| 25 years old | $2,982 | $1,125 | $249 |
| 30 years old | $2,571 | $970 | $214 |
| 40 years old | $2,417 | $912 | $201 |
| 50 years old | $2,314 | $873 | $193 |
| 60 years old | $2,288 | $863 | $191 |
| 65 years old | $2,391 | $902 | $199 |
| 70 years old | $2,622 | $990 | $219 |
| 75 years old | $3,060 | $1,155 | $255 |
Estimated premiums by age in Rhode Island, clean record, sedan.
How violations change your Rhode Island premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $2,494 | — |
| 1 speeding ticket | $3,068 | +23% |
| 1 at-fault accident | $3,666 | +47% |
| DUI / DWI | $4,714 | +89% |
What a violation costs a 35-year-old in Rhode Island. Surcharges normally stay on the policy for three to five years.
A DUI in Rhode Island usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Rhode Island minimum insurance requirements
| Required coverage in Rhode Island | Minimum limit |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $25,000 |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the Rhode Island Department of Insurance before you buy.
Coverage levels in Rhode Island
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $941 | $78 |
| Full coverage (100/300/100 + comp & collision) | $2,494 | $208 |
| Full coverage, high limits + low deductible | $2,968 | $247 |
Coverage level comparison for Rhode Island.
Car insurance rates in Rhode Island cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 23 Rhode Island cities we price.