Cheapest Auto Insurance in Rhode Island (2025)

Rhode Island’s full-coverage car insurance average is lower than the national average, according to Insurify data. Its liability car insurance costs are also lower. In the Ocean State, liability-only coverage averages $146 per month, compared to the national average of $104.

A 50% increase in fatal traffic accidents from 2022 to 2023 and a high number of alcohol-impaired drivers could contribute to the Ocean State’s insurance costs.1 2

Here’s what you should know about finding car insurance in Rhode Island.

3 of the cheapest car insurance companies in Rhode Island 

Every driver in Rhode Island has a unique situation that affects their insurance needs and rates. But some of the best insurance companies in the state offer more affordable auto rates than others by coverage level and driver profile.

If you want to lock in the best deal, it’s a good idea to shop around and compare quotes from multiple insurers. Below, you can learn about some of the cheapest and best insurance companies in Rhode Island to help you streamline your search.

USAA

Safeco

GEICO

How to get the cheapest car insurance in Rhode Island

You can’t avoid the expense of car insurance, but you can make sure you don’t pay more than you need to for coverage. Consider the strategies below to help you find the best rates for your situation:3

• Increase your deductible. In general, a higher collision or comprehensive deductible leads to lower auto insurance premiums. If you can afford a higher deductible, this is a viable route.

• Ask for discounts. Many insurance companies offer a lengthy list of discounts, so you can always ask whether you qualify for any.

• Consider telematics. Telematics-based coverage uses a device or mobile app to track your driving habits. Many insurers offer discounts just for enrolling, and some reward good driving with premium reductions.

• Shop around. Comparing quotes from multiple insurance companies can help you find the cheapest car insurance for your needs. Consider shopping around each year, as the cheapest options will change over time.

Cheapest liability-only car insurance quotes in Rhode Island

After a car accident, liability-only car insurance helps you pay for the damages or injuries you caused to the other driver and their passengers.2

In general, minimum-coverage car insurance is the most affordable option, but it may not include all the coverage you want. You should make sure this coverage offers enough financial protection for your situation. Insurance professionals generally recommend you buy more liability than your state’s minimum required amount.

Rhode Island-based drivers pay a monthly average of $146 for liability-only insurance. The following table provides examples of liability rates from some top insurers.

Cheapest full-coverage car insurance quotes in Rhode Island

Full-coverage auto insurance extends beyond a liability-only car insurance policy to offer significantly more vehicle protection. On top of liability coverage, this type of policy includes comprehensive and collision coverage. If you finance or lease your vehicle, your lender or leasing company will typically require you to buy full coverage. But it’s a good idea to consider full coverage, even if you’re not required to buy it.

After an accident, collision coverage can help you pay to repair your vehicle or purchase a replacement vehicle. If you encounter a different kind of incident, like a fallen tree or natural disaster, comprehensive coverage can help you get back on the road.

Full-coverage policies in Rhode Island cost drivers an average of $222 per month. Here are the cheapest car insurance rates Rhode Island drivers can find to secure affordable full-coverage insurance.

Car insurance requirements in Rhode Island

Rhode Island drivers must carry a minimum amount of car insurance to drive legally in the state. The minimum coverage requirements include the following:

You may decide you want more coverage than the minimum liability coverage required in the state. Common optional coverages that provide more protection include:

Cheapest car insurance in Rhode Island by driving record

Depending on the severity of the offense, making a mistake while driving can affect the cost of your auto insurance for several years.

In general, drivers with incidents — including speeding tickets, driving under the influence, and at-fault accidents — pay more for car insurance than drivers with a clean record. Insurers view drivers with incidents as higher risk, so they increase rates to offset that risk.

For example, Rhode Island drivers with a clean record pay an average of $146 per month for a liability policy. But Rhode Island drivers with a DUI pay a monthly average of $242 for liability coverage.