How Much Does Auto Insurance Cost in Rhode Island?

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  • State minimum liability on average in Rhode Island costs $149 a month or $1,788 a year. Full coverage auto policies costs around $441 a month or $5,296 a year in RI.

InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in RI- Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.

Providence, Rhode Island Car Insurance

Cheap Car Insurance Companies in Rhode Island

Here are the average policy rates from the cheapest local and national insurance providers in Providence from our cost database of used-car drivers who are single, middle aged and have a clean driving record:

Insurance Company:State Minimum:Monthly:Full Coverage:Monthly:
Travelers$785$65$2,251$188
Progressive$1,067$89$3,396$283
Allstate$1,272$106$3,896$325
Amica$1,665$139$4,860$405
GEICO$1,733$144$4,892$408
SEE A LIST OF POPULAR RI CITY COST GUIDES

Rhode Island Minimum Insurance Requirements

Rhode Island may be the smallest state in the country, but the risk of an accident is no less. As a Rhode Island resident, you must carry liability insurance on vehicles you own. The minimum legal limits for coverage are:

You may choose a combined bodily injury and property damage policy of $75,000 instead of the separate limits. Your license may be suspended if you don’t carry the minimum insurance.

The Insurance Division of the Department of Business Regulation, or DBR, approves car insurance rates. The staff reviews rate information to ensure rates are fair and nondiscriminatory. To make sure insurance companies follow state laws and regulations in the treatment of customers, the department conducts periodic audits of the claims handling process.

Average Cost of Car Insurance in Rhode Island by County

The average cost of car insurance in RI varies between each driver. We provide a breakdown of the amount you can expect to pay on car insurance policy costs by county for vehicle types below for a minimum state policy of the average driver:

Auto Insurance Costs by County:Sedan:SUV:Coupe:Truck:Hybrid:
Bristol$1,215$914$1,246$1,165$1,130
Kent$1,612$1,220$1,651$1,559$1,502
Newport$1,215$914$1,246$1,165$1,130
Providence$1,588$1,190$1,610$1,545$1,482
Washington$1,296$977$1,334$1,234$1,202

Moving to Rhode Island: Important Information

If you’re moving to Rhode Island, you have 30 days to get a new title and registration. If your car is newer than a 2001 model, the vehicle identification number (VIN) has to be checked by a local police department. You’ll also need a title or a copy of the title for cars newer than 2001.

You also have 30 days to get a Rhode Island license. You’ll need to fill out an application and bring your current license, proof of residency, Social Security card, and proper identification to the Department of Motor Vehicles.

Understanding Driving Laws in Rhode Island

The Department of Motor Vehicles has information about Rhode Island driving laws. The driver’s manual talks about some specific laws all drivers need to know.

Frequently Asked Questions About Rhode Island Auto Insurance

1. What happens if you don’t have auto insurance?

If you’re caught without the minimum required liability insurance, your license and registration are suspended. You may also be fined and have to pay fees to have them renewed.

2. What happens if you have an accident in Rhode Island?

Similar to any other state, if you’re involved in an accident, stay at the scene of the accident until the police arrive. Your insurance company needs full details and reports to process your claim properly and assess fault.

3. Can you buy more than the required amount of insurance?

You can buy more liability insurance and other types of coverage. Your insurance company can tell you if you need other types of insurance coverage, or more coverage than is required by law based on your needs, lifestyle and driving habits.

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