Average Cost of Car Insurance in Rhode Island in 2025

On average, you can expect to pay $2,435 per year in Rhode Island for full coverage auto insurance. This is right around the national average full coverage cost, which is $2,399. However, your price may be well above or below that, depending on your demographic details and the amount of coverage you opt for. Let’s take a closer look at the demographic details below.

By City

Where you live will impact your rate. Some places have a higher number of claims than others, which causes insurance rates to go up in those areas.

By Age

Age is one of the most significant factors affecting your car insurance rates. Younger drivers, especially teen drivers, tend to be more expensive than older drivers because they lack the experience and safety mindset of older drivers. This is true in Rhode Island and across the country. When drivers hit their 20s, they can expect a decrease in premiums, especially around age 25.

By Gender

In general, men tend to pay more for car insurance than women because they are more likely to get into an accident. The difference becomes less significant the older you get. In Rhode Island, men pay about 2 percent more than women.

By Coverage Level

When you opt for more coverage on your auto insurance policy, you will pay more. In Rhode Island, drivers pay about twice as much for full coverage versus liability only. However, full coverage will prevent high out-of-pocket costs in the event of an accident.

By Violation

You will pay more for auto insurance when you have an accident or a ticket on your record. The higher rate is because insurance companies consider you a higher risk for accidents and other violations.

*USAA has cheaper average rates in these categories, but is only available to military members, veterans, and their families.

There are some standard ways to save on car insurance in Rhode Island. One example is to adjust your deductible. The deductible is what you pay to repair your car if you are in an at-fault accident. The higher your deductible is, the lower your premium will be because you are assuming more responsibility for the cost.

Some people will also adjust coverages and liability limits. The lower your limits are, the less your premium will be. Keep in mind that if you reduce coverage, you could be on the hook for the difference between what your insurance covers and overall damages from the accident.

Also, ask your carrier about any discounts that you are eligible for. You may get a reduced premium if you drive fewer than 5,000 miles per year or have taken a driver’s safety course (usually for senior drivers). Some companies, such as State Farm, have a program for new drivers and good students to help lower the cost of insurance for teen drivers.

Rhode Island has a minimum insurance requirement. This legal minimum means that every driver must maintain a certain amount of coverage. More coverage is recommended but not required.

The minimum liability requirement in Rhode Island is:

• $25,000 in bodily injury per person
• $50,000 in total bodily injury per accident
• $25,000 in property damage²

Like many other states, Rhode Island is considered an at-fault state. This means that the person responsible for an accident is liable for the injuries and damages incurred by the harmed party. Without insurance, this could result in many thousands of dollars in damages owed by the at-fault driver in a car accident.

An SR-22 or FR-44 is a financial responsibility filing with the state for those who have lost their driver’s license or had a major infraction, such as a DUI.

In the past, Rhode Island used SR-22s for drivers with these infractions to prove that they had the required vehicle insurance. However, since July 2018, the state no longer requires an SR-22 to prove financial responsibility.

Car insurance in Rhode Island is not cheap, though you can get a better deal if you have a good driving record and good credit. Make sure to get quotes from various carriers to get the best rate for you. Your demographic will change your rate, and you shouldn’t rely on just one company’s quote.

We analyzed average auto insurance premiums in Rhode Island for full and minimum coverage. In addition, we reviewed different driver profiles, including drivers with good credit, those with DUIs, accidents, teenagers, and those with low credit. 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