Compare Cheap Auto Insurance in Rhode Island

USAA has the cheapest full coverage auto insurance in Rhode Island, at $1,806. However, eligibility for USAA is restricted to military members, veterans and their families. Travelers has the cheapest rates for nonmilitary drivers, at $2,228 per year — 19 percent lower than the state average.

USAA offers the cheapest minimum coverage as well, with an average annual premium of $620. For nonmilitary drivers, Travelers has the lowest rates, at $751 per year, which is still 36 percent less than the state average.

Insuring a teen driver in Rhode Island is very expensive, with rates in the state nearly double the national average. USAA has the lowest rates for teens affiliated with the military (either themselves or through a parent), at $5,813 per year. Nonmilitary households with teen drivers can also find cheaper rates from Allstate ($7,344 annually) and GEICO ($8,250 annually).

Rhode Island drivers with a speeding ticket will get the best rates, on average, from Progressive, at $3,170. That’s 14 percent cheaper than the state average. Amica and Travelers have the next-lowest rates, at $3,331 and $3,335 per year, respectively. Both are about 10 percent below the state average.

USAA also offers the cheapest rates for Rhode Island drivers with an at-fault accident, at $1,900 annually, on average. Travelers has the next-lowest rates, without eligibility requirements, at $2,243 annually — 32 percent below the state average.

Progressive and Travelers offer the best rates for drivers convicted of a DUI in Rhode Island, with average annual premiums of $2,853 and $3,895, respectively.

Progressive has the cheapest average rates for drivers with low credit in Rhode Island at $3,651 per year. GEICO is the next cheapest at $3,815 – 29 percent lower than the state average.

Amica ranks highest for customer satisfaction in Rhode Island, and while it’s not always the cheapest, its rates are below average for many driver profiles (except for teens and drivers with an at-fault accident or DUI on their records). 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 $3,911 — 42 percent over the state average. Warwick, meanwhile, has lower rates of $2,913 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: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible