Best Auto Insurance in Rhode Island of 2026

• Drivers looking for the cheapest insurance in Rhode Island should consider Travelers, while Amica is best for those prioritizing customer service. Allstate, USAA, and GEICO also made our list of top picks.
• Auto insurance in Rhode Island costs around $2,759 per year for full coverage and $1,171 for minimum coverage, both of which are much higher than the national averages.
• While average rates reflect general pricing trends, individual premiums differ depending on factors like age and driving history.

Full Coverage Rates in Rhode Island

Car insurance in Rhode Island is expensive compared to the national average. Full coverage in the Ocean State costs an average of $2,759 annually. That’s 17 percent higher than the national average.

Minimum Coverage

Minimum coverage in Rhode Island costs $1,171 per year, on average, which is also more expensive than the national average.

Cost of Auto Insurance in Rhode Island by City

Car insurance rates depend on where you live, and they can vary significantly even within a small state like Rhode Island. On average, Providence has the most expensive car insurance rates at around $4,000 per year, which is much higher than the state average. Meanwhile, Warwick has rates closer to the state average at $2,965 per year.

According to the most recent report by the National Highway Traffic Safety Administration, there were 70 traffic fatalities in Rhode Island in 2023.⁸ This represented a slight increase from 52 the year before. There were another 243 serious injuries as a result of car accidents. Eleven deaths were linked to alcohol, 32 were related to speeding, and four involved drivers aged 20 or younger.

Rhode Island state law mandates the following minimum coverage limits:

• Bodily injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $25,000 per accident

Rhode Island car insurance is pricey, so it may be tempting to get only the minimum limits. However, if you cause a serious accident, these limits are not likely to cover you fully, which means you may be on the hook for significant expenses. If you can, we recommend increasing your limits as well as adding full coverage, which includes comprehensive and collision and covers damages to your own car.

To determine the best auto insurance companies in Rhode Island, we evaluated insurers across the following four key categories:

• Pricing (40%): We analyzed average annual premiums for full and minimum coverage for a good driver profile in Rhode Island. We also looked at average rates for high-risk driver profiles in the state, including those with an accident, speeding ticket, or poor credit. Additionally, we considered available discounts and whether major opportunities like bundling, good student, and telematics discounts are offered. We use the following limits for full coverage:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): A company’s ability to handle claims efficiently and fairly is paramount. We considered third-party evaluations from sources like J.D. Power’s Claims Satisfaction Report and CRASH Network’s Insurer Report Card for insurers operating in Rhode Island. We also looked at financial strength ratings from AM Best and Moody’s, which indicate an insurer’s ability to pay claims.
• Customer Experience (25%): The overall experience of obtaining a quote, purchasing a policy, and interacting with the insurer was evaluated based on: ease of online quote and purchase process, and regional customer satisfaction scores (J.D. Power U.S. Auto Insurance Study and Digital Experience Study) for Rhode Island and complaint data from the National Association of Insurance Commissioners (NAIC) and Better Business Bureau (BBB) ratings for companies operating in the state.
• Coverage Options (10%): We value insurers that provide additional protection beyond legally-required coverage in Rhode Island, through optional endorsements like gap insurance, rideshare coverage, accident forgiveness, and other offerings.

By evaluating these key areas and weighing them according to their importance, we aimed to provide a comprehensive and data-driven analysis of the best auto insurance options for drivers in Rhode Island.