Average Car Insurance Cost in Rhode Island (2025)
Drivers in Rhode Island pay an average of $184 per month for car insurance.
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In Rhode Island, full-coverage car insurance costs an average of $220 per month. Compared to the rest of the country, where the average price of full-coverage car insurance is $182 per month, the Ocean State’s auto insurance rates are below average.
Like some other parts of the U.S., car insurance rates in Rhode Island have been volatile over the last few years. In 2023, the Rhode Island average cost of full-coverage car insurance was $198 per month. As of February 2025, drivers in the state pay an average of $220 per month for full coverage.
Due to the shift in rates, it’s important for drivers to compare rates from multiple insurance companies to find the best policy at the best price. Here’s what Rhode Islanders need to know about the average rate of car insurance in the Ocean State.
Quick Facts
The average cost of minimum-coverage car insurance in Rhode Island is $147 per month.
Rhode Island requires drivers to carry a minimum-coverage level of 25/50/25.
USAA, Direct Auto, and Liberty Mutual have the lowest average car insurance rates in Rhode Island.
How much is car insurance in Rhode Island?
In Rhode Island, liability-only car insurance costs an average of $147 per month, or $1,767 per year. Rhode Island drivers who opt to purchase full-coverage auto insurance pay an average of $220 per month, or an annual rate of $2,641.
Exact car insurance rates may vary based on a wide range of factors. For example, details like your driving record, location, credit history, deductible, coverage amount, and the insurance company you choose could all come into play.1 Still, it’s helpful to understand average insurance costs so you’ll know if you’re getting good car insurance coverage for an affordable price.
How Rhode Island car insurance rates have changed over the past two years
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To find car insurance rates in Rhode Island and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Rhode Island rose to $2,400 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain cheaper than in Rhode Island.
See how Rhode Island car insurance prices have changed over the past two years below.
Average Rhode Island car insurance rates by city
Average car insurance rates may differ based on where you live within a state. Rhode Island has more than 400 miles of coastline. So, residents living in coastal cities that could face damage from coastal storms and flooding might pay a higher average rate for car insurance compared to people who live inland. Rhode Island drivers who live in densely populated areas might also pay higher car insurance costs due to higher crime rates.
See the table below for the average monthly cost of car insurance for Rhode Island drivers in Providence.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Rhode Island car insurance rates by age and gender
Age and gender can also affect the cost of your car insurance premiums. In Rhode Island, teen drivers pay the highest rates for car insurance due to their lack of experience behind the wheel. Auto insurance rates typically start to go down for drivers by age 25.
In Rhode Island, a 60-year-old driver may pay the most affordable car insurance premiums due to their ample experience and driving history. See the table below for a look at the average rates for Rhode Island drivers by age and gender.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in Rhode Island
The type of vehicle you drive can also influence your car insurance rate. Newer vehicles often carry a higher price tag when it comes to repairs and replacements. But they may also come with safety features that have the potential to help drivers lower the severity and frequency of car accidents.
It’s unsurprising that two of the most popular vehicles in Rhode Island are trucks. After all, the state receives anywhere from 20 to 55 average inches of snowfall per year (depending on location). Meanwhile, the Toyota RAV4, Hyundai Tucson, and Honda CR-V might appeal to drivers who value fuel economy, comfort, and lower emissions.
See the table below for a look at the five most popular vehicles among Rhode Island drivers and the average cost to insure them.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Rhode Island
Your driving record also plays a key role in your auto insurance rates. In general, finding good car insurance coverage at an affordable price is easier for people with clean driving records. But if you have a driving record with a history of car accidents, speeding tickets, or DUIs, you risk paying higher auto insurance premiums.
Rhode Islanders with a clean record pay $115 per month, on average. The table below compares average car insurance rates for Rhode Island drivers with an incident on their driving record.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Your credit history has the potential to affect your car insurance rates in Rhode Island.2 Good or excellent credit could save you money and help you find a cheap rate on car insurance coverage.
The table below shows the average car insurance rate drivers pay in Rhode Island based on their credit tier.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to lower your insurance costs in Rhode Island
As a driver, you have little control over how much an insurance company charges to insure your vehicle. Still, you can take some steps to improve your chances of finding a cheap rate on car insurance.
Below are several things that might help you lower your insurance costs in Rhode Island:
Rhode Island average car insurance cost FAQs
If you’re shopping for cheap car insurance in Rhode Island, the following information may help as you research your options.
The average annual rate of car insurance in Rhode Island is $2,641 for full coverage. In comparison, Rhode Island drivers who opt for liability-only car insurance pay an average rate of $1,767 per year.
USAA could be a good option if you’re looking for cheap car insurance, as the company offers the most affordable average rates to eligible Rhode Island drivers. The average annual rate of liability-only coverage with USAA is $82 per month.
Other affordable insurance companies in Rhode Island include Direct Auto, at $96 per month, and Liberty Mutual, at $100 per month for liability-only policies.
The cost of car insurance coverage in Rhode Island can vary based on many factors. The average cost of liability-only car insurance is $147 per month. Full coverage costs an average of $220 per month. But you may pay more or less than the average rate for the state depending on details like the car you drive, your desired coverage amount, credit history, age, and driving record.
USAA, Direct Auto, and Liberty Mutual are three of the best auto insurance companies in Rhode Island. Still, it’s always wise to shop around and compare multiple options. As you compare companies, look for companies that offer good car insurance rates, high customer satisfaction ratings, and other features that may be important to you.
Minimum liability car insurance requirements for the state of Rhode Island are as follows:
$25,000 per person in bodily injury liability
$50,000 per car accident in bodily injury liability
$25,000 per accident in property damage liability
Per Rhode Island car insurance laws, drivers can opt to buy a single-limit policy with at least $75,000 in combined coverage instead if they prefer.3
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