Best Cheap Auto Insurance in Providence, Rhode Island (2025)

Providence drivers pay an average of $233 per month for car insurance, compared to Rhode Island’s average monthly rate of $184. You’ll pay $183 per month for liability coverage and $282 for full coverage.

The best way to find affordable coverage is to compare car insurance quotes from multiple insurers. Each company has a different formula to calculate your rates, and by getting rates from several insurers, you can cast a wider net to find the best coverage for you in Providence.

Best car insurance companies in Providence

While the cheapest car insurance company below might seem like the best choice, it’s not always the right fit for every driver. Your unique rates will depend on various factors, like your age, driving record, and credit score, so it’s crucial to compare quotes from multiple companies before buying. Below, you’ll find the top insurers for a few main driver categories in Providence.

Best insurer for military families: USAA

Best insurer for cheap rates: Safeco

Best insurer for discounts and customization: State Farm

How to get the cheapest car insurance in Providence

One of the best ways you can get cheap car insurance is by comparing quotes. Each company weighs factors differently — your credit score may be more important with one company, for example, while your driving record may be a bigger influence with another insurer.

Other factors companies look at include your marital status, age, gender, ZIP code, and how long you’ve been driving. Here are a few ways you can save:

• Increase your deductible. The higher the deductible you choose, the lower your premiums will be — but make sure you select a deductible that you can still afford to pay out of pocket if needed.

• Bundle home and auto policies. Many insurers offer generous discounts to drivers who bundle their auto policies with home or renters insurance.

• Apply for discounts. Look for companies that offer relevant discounts for you, but be mindful that your overall costs can still be lower with a company that doesn’t offer many discounts.

• Consider a telematics program. Many companies offer mobile apps or devices you can plug into your car to record your driving, with corresponding rate reductions for good drivers.

• Reduce your amount of coverage. Purchasing a smaller amount of coverage (if you’re already buying more than legally required) can be a good way to save money.

Cheapest liability-only car insurance in Providence

If you’re looking for the lowest-cost option, purchasing a minimum level of liability car insurance is the way to go. This helps cover the cost of any injuries or damages you cause to other people while you’re behind the wheel. However, it won’t cover any injuries or damages to you or your car.1

On average, drivers in Providence pay $183 per month for liability insurance. The table below lists liability rates from popular insurers in Rhode Island.

Cheapest full-coverage car insurance in Providence

Full-coverage car insurance is a good choice if you want thorough protection. In addition to liability coverage, full-coverage policies typically include collision and comprehensive coverages, which pay to fix your car after collisions with vehicles and other objects and damage from non-collision events, like theft, vandalism, and weather.1

On average, drivers in Providence pay $282 per month for full-coverage insurance. The table below lists full-coverage rates from popular insurers in Rhode Island.

Car insurance requirements in Rhode Island

Rhode Island, like most states, is an at-fault state for auto insurance. This means you’ll need to pay for damages and injuries to another party if you cause a car accident, and vice versa. Rhode Island state law requires you to carry a minimum level of liability coverage.2

Below are the minimum limits you must carry to drive legally in the state:

Other types of coverages you may want to consider adding include:

Cheapest car insurance for drivers with an incident

Having an incident on your driving record — most commonly a speeding ticket, at-fault accident, or a conviction for driving under the influence (DUI) — can affect your ability to get affordable coverage. These infractions typically result in an increase in your car insurance rates, though it may take more than one speeding ticket to see a big effect.3

While many insurers will charge you higher rates after these incidents, you can still find affordable coverage from some companies. Some even specialize in offering coverage to higher-risk drivers.

Cheapest car insurance for drivers with a speeding ticket

Having multiple speeding tickets on your record indicates you have a history of risky driving, and it’s only a question of when you need to file a claim. Speeding was a contributing factor in about a third of car crash deaths in 2021, according to the National Highway Traffic Safety Administration.4

Providence drivers pay on average $203 per month for liability coverage and $313 per month for full coverage after a ticket.

But, you can likely find a cheaper rate from one of the carriers below.

Cheapest car insurance for drivers with an at-fault accident

An at-fault accident on your record shows insurers that you’re more likely to get into an accident again in the future. Your rates will likely increase, and you may find more frequent rejections from insurance companies when you do shop around for rates.

Providence drivers pay on average $222 per month for liability coverage and $342 per month for full coverage after an accident.

Below are the most affordable insurers in Providence for drivers with an at-fault accident on their record.

Cheapest car insurance for drivers with a DUI

Driving under the influence (DUI) is one of the most serious offenses you can commit behind the wheel. Not only will your insurance rates skyrocket, but many insurers may even decline to offer you coverage at all. Even so, you can still find a few insurers that will cover you.

On average, Providence drivers with a DUI pay $295 per month for liability coverage and $455 per month for full coverage.

Below, you’ll find some of the best choices in Providence if you have a DUI.

Cheapest car insurance for seniors

Senior drivers have the most experience of anyone on the road — one of the key factors that insurers consider when setting rates. On average, Providence seniors pay $153 per month for liability insurance, and $235 per month for full coverage.

However, as your cognitive and physical condition starts to decline, insurers will start to raise rates again.5 But you can still find affordable rates with some insurers. Below are the cheapest options for senior drivers in Providence.

Cheapest car insurance for teens

Young drivers have the least experience on the road, so they typically face the highest rates. Providence teens pay $391 per month for liability insurance, and $603 per month for full coverage.

Some ways teens can save on car insurance are by staying on their parent’s policy, driving cars with extra safety features, and applying for good student discounts.

Providence car insurance quotes by credit tier

Insurers in Providence are permitted to use your credit score when determining your rates.1 Drivers with good credit typically pay less than drivers with poor credit. Here’s how much Providence residents pay for car insurance based on their credit scores:

Is car insurance more expensive in Providence?

Car insurance costs a good bit more in Providence compared to the national average. While the average U.S. resident pays $106 per month for a liability-only policy, Providence residents pay $143. Full coverage costs even more, with an average premium of $204 for people living in Providence versus $172 per month for the entire U.S.

Rates may be higher in Providence for many reasons. One contributing factor may be the number of uninsured drivers: One out of every six drivers in Rhode Island doesn’t carry any insurance, and this drives up costs for everyone. Other factors could include things like higher rates of vandalism, theft, and road rage incidents.

More cities in Rhode Island

Even within Rhode Island itself, Providence is one of the most expensive places to insure your car, with the average cost of car insurance in Rhode Island sitting at $220. Here’s how average full-coverage quotes compare between Providence and neighboring towns:

Providence car insurance FAQs