Rhode Island Car Insurance Calculator
Calculate your auto insurance cost in Rhode Island. Compare with state averages and find savings.
$1,756
Avg Annual Premium
25/50/25
Min Liability
Monthly Avg
$146
Full Coverage
$2,289
Min Coverage
$598
Uninsured Rate
14.6%
Rhode Island Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristRequired
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Rhode Island
Small stateDense populationUrban driving
Major Metro Areas in Rhode Island
ProvidenceWarwickCranstonPawtucketEast Providence
FAQ
Rhode Island Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Rhode Island
The average annual car insurance premium in Rhode Island is $1,756, or about $146 per month. Full coverage averages $2,289 annually, while minimum coverage averages $598. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Rhode Island requires minimum liability coverage of 25/50/25 ($25,000/$50,000 for bodily injury and $25,000 for property damage). Uninsured motorist coverage is also required.
Key factors affecting Rhode Island car insurance rates include: Small state, Dense population, Urban driving. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 14.6% of drivers in Rhode Island are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Rhode Island car insurance: 1) Compare quotes from multiple insurers like GEICO, State Farm, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Rhode Island include: GEICO, State Farm, Progressive, Allstate, Amica Mutual. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
RI Insurance Costs
Average premiums in Rhode Island:
- Annual Average$1,756
- Monthly Average$146
- Full Coverage$2,289
- Minimum Coverage$598
RI Requirements
Minimum coverage required:
- Liability25/50/25
- PIP RequiredNo
- UM RequiredYes
- Uninsured Rate14.6%
Top RI Insurers
Popular insurance companies:
- •GEICO
- •State Farm
- •Progressive
- •Allstate
- •Amica Mutual