Compare Cheap Auto Insurance in Rhode Island

• Auto insurance in Rhode Island costs an average of $2,435 annually for full coverage and $1,128 annually for minimum coverage.
• USAA (for military-affiliated drivers) and Travelers have the cheapest rates for most drivers in the Ocean State.
• Amica also tends to have below-average rates, and it has higher customer satisfaction ratings.

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• Cheapest full coverage auto insurance in Rhode Island: USAA ($1,296 annually) and Travelers ($1,600 annually)
• Cheapest minimum coverage: USAA ($578 annually) and Travelers ($676 annually)
• Cheapest with a teen driver: USAA ($4,859 annually) and Allstate ($7,011 annually)
• Cheapest with a speeding ticket: USAA ($1,419 annually) and Travelers ($2,624 annually)
• Cheapest with an at-fault accident: USAA ($1,494 annually) and Travelers ($1,934 annually)
• Cheapest with a DUI: USAA ($2,470 annually) and Travelers ($2,773 annually)
• Cheapest with low credit: USAA ($2,455 annually) and Travelers ($3,384 annually)

Travelers has the lowest rates in Rhode Island for most driver categories, but Amica has much better customer satisfaction ratings. Amica does tend to have below-average rates in the Ocean State, so depending on your quote, it may be worth the cost. Always get multiple quotes, as your rate may differ from the average. USAA also has a strong customer service record in Rhode Island but is available only to those affiliated with the military.

1. Compare rates. The company with the lowest average rates may not be the cheapest option for you. Get quotes from at least three companies for the coverage you want so you can see which provider offers the best rates.
2. Maintain a clean record. Violations such as speeding tickets and DUIs will cause your rates to increase, sometimes significantly. Driving safely and avoiding violations are some of the best ways to keep your rates low.
3. Use discounts. When you get quotes, always check what discounts can be applied to your policy. Common discounts include bundling, multivehicle, safe driving and good student.
4. Drop unnecessary coverage. It may be worth dropping some types of coverage from your policy to save money on your premium if you don’t really need them, but be sure to weigh this carefully. For example, if you’ve owned your car for many years and its value has dropped enough, it may no longer make sense to pay for full coverage.

Your auto insurance premium can vary greatly based on where you live. In Rhode Island, Providence is the most expensive city for car insurance, with an average annual premium of $2,693 — 11 percent over the state average. Warwick, meanwhile, has below-average rates of $2,001 per year, on average.

Rhode Island state law requires that drivers carry at least the following liability limits on their auto insurance policy:

• Bodily injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $25,000 per accident⁴

These minimum coverage limits are relatively standard across states but are quite low. For more robust coverage, it’s a good idea to get higher limits — such as $100,000/$300,000/$100,000 — and add full coverage, especially if you have a newer vehicle.

We analyze average auto insurance premiums in Rhode Island for full and minimum coverage for good drivers with good credit as well as other driver profiles, including those with DUIs, accidents, low credit and teenagers. Full coverage averages use the following limits:

• 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