Best Car Insurance in Rhode Island (2025)

Top Rhode Island car insurance picks include Amica, GEICO, and HiRoad.

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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.

Pros
  • More control over car insurance rate

  • Save by bundling auto and renters insurance

  • A (Excellent) financial strength rating from AM Best

Cons
  • Limited coverage customization

  • No rideshare insurance

  • Monthly rate fluctuates based on driving habits

USAA: Best for military and veterans

Progressive: Best for high-risk drivers

  • Our editorial team analyzed regional and national auto insurance companies that sell policies in Rhode Island to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

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 $143.

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.

Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Amy has been a contributor at Insurify since September 2023.