Best Auto Insurance in Rhode Island (2025)
Compare top-rated auto insurance companies in Rhode Island. Find affordable coverage that meets RI state requirements and save up to 40% on your premium.
$1,598
Avg. Annual Premium
25/50/25
Minimum Coverage
Providence
Largest City
1.1 million
Population
Rhode Island Auto Insurance Requirements
Rhode Island has high population density contributing to above-average insurance rates.
Minimum Liability Coverage: 25/50/25
- • First number: Bodily injury per person
- • Second number: Bodily injury per accident
- • Third number: Property damage per accident
How to Find Cheap Car Insurance in Rhode Island
Compare Multiple Quotes
Get quotes from at least 3-5 insurance companies. Rates in Rhode Island can vary by hundreds of dollars for the same coverage.
Ask About Discounts
Safe driver, multi-policy, good student, and low mileage discounts can significantly reduce your premium.
Consider Higher Deductibles
Raising your deductible from $500 to $1,000 can lower your premium by 15-25%.
Maintain Good Credit
Most insurers in Rhode Island use credit-based insurance scores. A good credit score can mean lower rates.
Drive Safely
A clean driving record is one of the best ways to keep your insurance costs down.
Rhode Island Auto Insurance FAQs
What is the minimum auto insurance required in Rhode Island?
Rhode Island requires minimum liability coverage of 25/50/25 (bodily injury per person/per accident/property damage). Rhode Island has high population density contributing to above-average insurance rates.
How much does car insurance cost in Rhode Island?
The average annual car insurance premium in Rhode Island is $1,598. Your actual rate may vary based on your driving record, age, vehicle, and coverage choices.
What factors affect auto insurance rates in Rhode Island?
Key factors affecting Rhode Island auto insurance rates include your driving record, age, credit score (where permitted), vehicle type, coverage levels, deductibles, and where you live within the state. Drivers in Providence typically pay more than those in rural areas.
How can I find cheap car insurance in Rhode Island?
To find affordable car insurance in Rhode Island: 1) Compare quotes from multiple insurers, 2) Ask about available discounts, 3) Consider raising your deductible, 4) Bundle with home insurance, 5) Maintain a clean driving record. The best rates often come from comparing at least 3-5 different companies.
Get Your Free Rhode Island Quote
Compare rates from top insurers and save up to 40% on your auto insurance.
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