Shopping for Rhode Island car insurance isn’t just an item on your financial checklist — it’s a personal decision. Each driver juggles different priorities, from cost and auto coverage to customer service. To help you find your perfect match, we analyzed 50 companies to identify the best car insurance in Rhode Island.
Best car insurance companies in Rhode Island
Rhode Island drivers need car insurance that handles everything the state throws at them, from Providence’s rush-hour commutes to Newport’s seasonal traffic surges. Whether you’re looking for cheaper car insurance, upgraded add-ons, discounts, or perks, the five insurers below stand out for Rhode Island drivers.
Amica: Best overall
GEICO: Best for discounts
HiRoad: Best for safe drivers
HiRoad rewards good driving habits with cheap auto insurance that’s up to 50% off every month. You download an app that tracks behavior behind the wheel and calculates driving scores to determine your monthly rate. Minimum coverage options are available, but you can add roadside assistance and car rental coverage.
USAA: Best for military and veterans
Progressive: Best for high-risk drivers
How to get the best car insurance in Rhode Island
Between navigating Providence’s narrow one-ways and dodging beach traffic in Bristol and Narragansett, Rhode Islanders need to balance the average rate with the right insurance coverage. Beyond the monthly rate, here’s what really matters when you’re shopping for car insurance in the Ocean State.
Average cost of car insurance in Rhode Island
Rhode Island’s average rate is $184 per month, which is higher than the national average rate of $144.
While Rhode Island auto insurance costs stayed about the same from 2023 to 2024, where you live matters. In fact, monthly rates can change pretty significantly from one ZIP code to another. For example, Providence drivers pay higher car insurance rates than drivers in cities like Cranston and Warwick.
The state faces specific challenges that can limit your ability to cash in on cheap car insurance, like dense traffic, severe weather events, and high vehicle repair costs. Insurify research projects a 3% increase in the average rate for Rhode Island in 2025.