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In Rhode Island, affordable car insurance options include USAA, State Farm, and Safeco.
Full-coverage car insurance in Rhode Island averages $286 each month. The national average is $186. Your actual cost will vary based on multiple factors, including your age, driving history, and where you live. Getting quotes from several insurance companies is the most effective way to find your best rate.
We break down Rhode Island's most affordable car insurance choices by coverage type, driver profile, and insurance provider below.
Affordable full-coverage car insurance in Rhode Island
Full-coverage insurance in Rhode Island averages $286 monthly. The national average is $186. Among Rhode Island's most affordable options for cheapest car insurance providers are USAA, State Farm, and Safeco.
| Average monthly full coverage cost | |
| Rhode Island average | $286 |
| National average | $186 |
| USAA | $166 |
| State Farm | $214 |
| Safeco | $281 |
| Progressive | $275 |
Affordable liability-only car insurance in Rhode Island
USAA, Safeco, and State Farm rank among the most affordable liability car insurance providers in Rhode Island.
Liability-only coverage in Rhode Island costs $181 per month on average, compared to $104 nationally.
| Average monthly liability-only cost | |
| Rhode Island average | $181 |
| National average | $104 |
| USAA | $130 |
| Safeco | $152 |
| State Farm | $167 |
| Direct Auto | $196 |
Cheap car insurance in Rhode Island by age
Age significantly impacts insurance premiums. Car insurance for teens carries the steepest rates, averaging $575 monthly in Rhode Island because of limited driving experience.
Rates decline as drivers enter their 20s, averaging $407 per month. Costs continue dropping for those in their 30s and 40s, with monthly premiums around $314 and $304, respectively.
Premiums tend to increase again for drivers in their 60s and beyond. Rhode Island seniors pay $238 monthly in their 60s and $213 in their 70s on average.
These age-related premium changes reflect varying risk levels by age group. Younger drivers face higher rates due to inexperience, while older drivers sometimes see increases related to health and changing driving patterns.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $575 | $363 |
| 20s | $407 | $257 |
| 30s | $314 | $198 |
| 40s | $304 | $192 |
| 50s | $261 | $165 |
| 60s | $238 | $150 |
| 70s | $213 | $135 |
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Cheap car insurance in Rhode Island for high-risk drivers
Drivers with moving violations or accidents on their record typically face higher car insurance premiums. Below are Rhode Island's average costs for drivers with an accident, speeding ticket, or DUI, based on car insurance if you have a bad driving record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $353 | $223 |
| Speeding ticket | $347 | $219 |
| DUI | $448 | $283 |
Compare low-cost car insurance after an accident
For Rhode Island drivers with an accident on their record, USAA, State Farm, and Safeco provide affordable car insurance options. Full-coverage premiums average $353 monthly for these drivers.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $211 | $165 |
| State Farm | $268 | $209 |
| Safeco | $377 | $205 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Rhode Island drivers with a speeding ticket can find affordable options through USAA, State Farm, and Safeco. Monthly full coverage averages $347 for those with a speeding ticket.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $207 | $162 |
| State Farm | $263 | $205 |
| Safeco | $360 | $196 |
Compare low-cost car insurance after DUI conviction
USAA, State Farm, and Safeco offer affordable full coverage car insurance in Rhode Island for drivers with a DUI. Average full coverage costs $448 monthly for drivers with a DUI on their record.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $251 | $196 |
| State Farm | $323 | $253 |
| Safeco | $455 | $247 |
Cheap car insurance in Rhode Island by credit score
Rhode Island drivers with excellent credit pay $235 per month on average. Drivers with poor credit pay significantly more, with rates beginning at $360 monthly.
Rate differences reflect how insurers price based on credit scores. Poor credit typically leads to higher premiums because of perceived payment risk.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $235 | $148 |
| Good | $258 | $163 |
| Average | $318 | $201 |
| Poor | $360 | $227 |
FAQs
Why is car insurance more expensive in Rhode Island's urban areas?
Providence and Pawtucket have significantly higher insurance rates than rural Rhode Island communities due to increased traffic density and accident frequency in the state's most populated corridors. Rhode Island's status as the nation's smallest state means urban congestion is concentrated in relatively compact areas, leading to higher collision risks.
Is there an option for high-risk drivers who can't get regular insurance in Rhode Island?
Rhode Island operates the Rhode Island Automobile Insurance Plan for drivers who cannot obtain coverage through the voluntary market due to multiple violations, DUI convictions, or other high-risk factors. This assigned risk pool ensures that all drivers can meet the state's mandatory insurance requirements even when traditional carriers decline coverage. While premiums through this program are higher than standard market rates, it provides a legal pathway for high-risk drivers to maintain their driving privileges.
Do I need special coverage considerations as a Rhode Island driver?
Rhode Island drivers should consider comprehensive coverage for coastal weather risks including hurricanes, nor'easters, and salt-air corrosion that's prevalent near Narragansett Bay. The state's harsh winters with frequent ice storms and heavy snowfall create additional vehicle damage risks that comprehensive coverage addresses. Given that Rhode Island drivers average only about 7,500 miles annually, well below the national average, usage-based insurance programs can offer significant savings for low-mileage drivers.
Bottom line
These companies may offer Rhode Island's lowest rates, but that doesn't guarantee they're your cheapest option. Getting quotes from multiple insurance providers and comparing them based on price and service is the best way to find the right company for you.
Data throughout provided by Insurify.
Average rate:
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