Last updated: November 12, 2025
Compare Cheap Auto Insurance in Rhode Island
USAA and Travelers offer the cheapest average auto insurance rates in Rhode Island, but only military-affiliated drivers are eligible for USAA.
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Auto insurance in Rhode Island is relatively expensive compared with the national average. Full coverage costs an average of $2,435 per year in the Ocean State, which is slightly above the national average of $2,399.
Meanwhile, minimum coverage costs an average of $1,128 per year, which is 78 percent higher than the national average. The rate you pay can vary depending on many factors, including your credit history, your location and whether you have any violations on your record.
Overview:
- 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.
Cheapest Car Insurance in Rhode Island for Full Coverage: USAA and Travelers
USAA has the cheapest full coverage auto insurance in Rhode Island, at $1,296. However, eligibility for USAA is restricted to military members, veterans and their families. Travelers has the cheapest rates for nonmilitary drivers, at $1,600 per year — 34 percent lower than the state average.
| Provider | Annual full coverage | Monthly full coverage |
|---|---|---|
| USAA | $1,296 | $108 |
| Travelers | $1,600 | $133 |
| Amica | $2,200 | $183 |
| GEICO | $2,501 | $208 |
| Nationwide | $2,506 | $209 |
| Progressive | $2,647 | $221 |
| Allstate | $2,749 | $229 |
| Farmers | $3,517 | $293 |
| Rhode Island average | $2,435 | $203 |
| National average | $2,399 | $200 |
Cheapest Car Insurance in Rhode Island for Minimum Coverage: USAA and Travelers
USAA offers the cheapest minimum coverage as well, with an average annual premium of $578. For nonmilitary drivers, Travelers has the lowest rates, at $676 per year, which is still 40 percent less than the state average.
| Provider | Annual minimum coverage | Monthly minimum coverage |
|---|---|---|
| USAA | $578 | $48 |
| Travelers | $676 | $56 |
| Amica | $925 | $77 |
| GEICO | $1,134 | $95 |
| Progressive | $1,194 | $100 |
| Nationwide | $1,458 | $122 |
| Rhode Island average | $1,128 | $94 |
| National average | $635 | $53 |
FYI:
State Farm is no longer writing new policies in Rhode Island or Massachusetts.
Cheapest Car Insurance in Rhode Island for Teen Drivers: USAA and Allstate
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 $4,859 per year. Nonmilitary households with teen drivers can also find cheaper rates from Allstate ($7,011 annually) and GEICO ($7,515 annually).
| Provider | Annual rate with a teen driver | Monthly rate with a teen driver |
|---|---|---|
| USAA | $4,859 | $405 |
| Allstate | $7,011 | $584 |
| GEICO | $7,515 | $626 |
| Nationwide | $10,112 | $843 |
| Amica | $10,228 | $852 |
| Farmers | $12,579 | $1,048 |
| Progressive | $13,961 | $1,163 |
| Travelers | $15,015 | $1,251 |
| Rhode Island average | $9,400 | $783 |
| National average | $5,327 | $444 |
Cheapest Car Insurance in Rhode Island With a Speeding Ticket: USAA and Travelers
Rhode Island drivers with a speeding ticket who are eligible for USAA will get the best rates, on average, from this provider, at $1,419. That’s 54 percent cheaper than the state average. Travelers has the next-lowest rates, at $2,624 per year, which is 16 percent below the state average.
| Provider | Annual rate with a speeding ticket | Monthly rate with a speeding ticket |
|---|---|---|
| USAA | $1,419 | $118 |
| Travelers | $2,624 | $219 |
| American Family | $2,717 | $226 |
| Amica | $2,731 | $228 |
| Progressive | $3,102 | $259 |
| Allstate | $3,404 | $284 |
| Nationwide | $3,601 | $300 |
| Farmers | $4,479 | $373 |
| GEICO | $4,611 | $384 |
| Rhode Island average | $3,114 | $260 |
| National average | $2,511 | $209 |
Cheapest Car Insurance in Rhode Island With an At-Fault Accident: USAA and Travelers
USAA also offers the cheapest rates for Rhode Island drivers with an at-fault accident, at $1,494 annually, on average. Travelers has the next-lowest rates, without eligibility requirements, at $1,934 annually — 31 percent below the state average.
| Provider | Annual rate with an at-fault accident | Monthly rate with an at-fault accident |
|---|---|---|
| USAA | $1,494 | $125 |
| Travelers | $1,934 | $161 |
| Allstate | $2,791 | $233 |
| Progressive | $2,845 | $237 |
| Amica | $2,880 | $240 |
| GEICO | $3,164 | $264 |
| Nationwide | $3,358 | $280 |
| Farmers | $4,171 | $348 |
| Rhode Island average | $2,783 | $232 |
| National average | $2,812 | $234 |
Cheapest Car Insurance in Rhode Island With a DUI: USAA and Travelers
USAA and Travelers offer the best rates for drivers convicted of a DUI in Rhode Island, with average annual premiums of $2,470 and $2,773, respectively. USAA is available only to the military community, but Travelers still offers affordable rates that are 36 percent below the state average.
| Provider | Annual rate with a DUI | Monthly rate with a DUI |
|---|---|---|
| USAA | $2,470 | $206 |
| Travelers | $2,773 | $231 |
| Progressive | $3,092 | $258 |
| Allstate | $4,099 | $342 |
| Nationwide | $5,528 | $461 |
| Farmers | $6,014 | $501 |
| GEICO | $7,859 | $655 |
| Amica | $8,268 | $689 |
| Rhode Island average | $4,311 | $359 |
| National average | $3,305 | $275 |
Cheapest Car Insurance in Rhode Island With Low Credit: USAA and Travelers
USAA and Travelers also have the cheapest rates for drivers with low credit in Rhode Island. USAA’s average annual premium of $2,455 is 45 percent lower than the state average. Travelers’ annual premium is almost $1,000 more, at $3,384, but it is still 24 percent less than than the state average.
| Provider | Annual rate with low credit | Monthly rate with low credit |
|---|---|---|
| USAA | $2,455 | $205 |
| Travelers | $3,384 | $282 |
| GEICO | $3,433 | $286 |
| Progressive | $3,933 | $328 |
| Nationwide | $4,436 | $370 |
| Allstate | $5,096 | $425 |
| Amica | $5,505 | $459 |
| Farmers | $7,727 | $644 |
| Rhode Island average | $4,425 | $369 |
| National average | $3,377 | $281 |
FYI:
Low credit can have a significant impact on your auto insurance premiums — Rhode Island drivers with low credit pay an average of 82 percent more than those with good credit. Work to improve your credit over time to lower your rates.
Best Claims and Customer Satisfaction in Rhode Island: Amica
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.
| Provider | New England customer satisfaction (J.D. Power)1 | Claims satisfaction (J.D. Power)2 | CRASH Network Insurer Report Card grade3 |
|---|---|---|---|
| USAA | 741 | 726 | D+ |
| Amica | 709 | 746 | B+ (honor roll) |
| Allstate | 646 | 691 | D |
| GEICO | 638 | 692 | C- |
| Travelers | 623 | 684 | C |
| Progressive | 620 | 672 | C |
| Farmers | 600 | 706 | C- |
| Nationwide | N/A | 728 | C |
| Average | 637 | 697 | C+ |
How to Find the Cheapest Car Insurance Rates in Rhode Island
- 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.
- 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.
- 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.
- 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.
Average Auto Insurance Cost in Rhode Island by City
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.
| City | Annual full coverage | Monthly full coverage |
|---|---|---|
| Providence | $2,693 | $224 |
| Cranston | $2,431 | $203 |
| Pawtucket | $2,359 | $197 |
| East Providence | $2,162 | $180 |
| Warwick | $2,001 | $167 |
| Rhode Island average | $2,435 | $203 |
Minimum Car Insurance Requirements in Rhode Island
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.
Frequently Asked Questions
USAA has the cheapest auto insurance in Rhode Island, at $1,296 annually for full coverage and $578 annually for minimum coverage. However, it is available only to the military community. Travelers has the cheapest average rates for nonmilitary drivers, at $1,600 annually for full coverage and $676 annually for minimum coverage.
In Rhode Island, GEICO tends to be cheaper than Progressive for drivers with clean records. For example, GEICO costs around $2,501 per year for full coverage, while Progressive averages $2,647 per year. For minimum coverage, GEICO costs $1,134 per year, on average, and Progressive charges an average of $1,194 per year. However, Progressive has cheaper average rates for drivers with DUIs.
The best way to get a good-student discount on car insurance in Rhode Island varies among providers, as they may have different eligibility requirements. Check with your insurer to see what’s available. However, most good-student discounts are available to students under 25 who maintain at least a B average (3.0 GPA).
If you have a poor credit score in Rhode Island, try to improve your credit by making on-time payments and not taking on more debt, which can help lower your rates over time. For more short-term options, take advantage of discounts, consider signing up for a telematics program, drop coverage you may not need, and maintain a clean driving record.
Methodology
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
Citations
Trust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds. J.D. Power. (2024, Jun 5).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-studyAuto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-study2024 CRASH Network Insurer Report Card. CRASH Network. (2024).
https://www.crashnetwork.com/irc/Part 230-20-05-3. Automobile Insurance Consumer Bill of Rights. Rhode Island Department of State. (2024).
https://rules.sos.ri.gov/regulations/part/230-20-05-3
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