For a 40-year-old driver with a clean record, Rhode Island car insurance averages about $248 a month ($2,977 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 6% above the national average in our data. It’s higher than in Connecticut and Massachusetts. Of the insurers anyone can buy from, State Farm has the lowest full-coverage average in our statewide table, at about $173 a month.
Rhode Island car insurance: key numbers
- Full coverage: about $248 a month ($2,977 a year)
- Liability only (25/50/25): about $83 a month
- Lowest-priced insurer: Of the insurers anyone can buy from, State Farm has the lowest full-coverage average in our statewide table, at about $173 a month
- Recent price change: −0.8% for full coverage (same insurers and ZIP codes)
- Most and least expensive counties: Providence County (about $278 a month) and Newport County (about $185)
Where you live matters. Providence County costs the most in our data, at about $278 a month for full coverage, and Providence, at $322, is the most expensive of the 42 cities and towns we price. Newport County, home to Newport, Middletown and Jamestown, is the least expensive of the five counties, at $185. Use these averages as a benchmark for where you live, then compare quotes for your own car and address.
Cost data comes from the auto rates insurers file with state regulators, priced across 53 Rhode Island ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Average Car Insurance Costs in Rhode Island: How Much Is It per Month?
For full coverage, Rhode Island drivers pay about $248 a month ($2,977 a year) on average. Liability-only coverage at the state minimum of 25/50/25 runs about $83 a month ($993 a year). Those figures are for a 40-year-old driver with a clean record and use the rates insurers had filed with state regulators as of Aug. 31, 2026.
Full coverage in Rhode Island averages $2,977 a year, or about $248 a month, for our benchmark driver. Liability-only coverage at Rhode Island’s 25/50/25 minimum averages $993 a year ($83 a month), and 50/100/50 liability with comprehensive and collision averages $2,870 ($239 a month).
- Full coverage (100/300/100, $500 deductibles): $2,977 a year ($248 a month)
- 50/100/50 with $500 deductibles: $2,870 a year ($239 a month)
- Liability only (25/50/25): $993 a year ($83 a month)
- Providence: $3,867 a year ($322 a month) for full coverage
- Cranston: $3,507 a year ($292 a month) for full coverage
- Warwick: $2,869 a year ($239 a month) for full coverage
- National average: $2,806 a year ($234 a month) for full coverage
How Rhode Island Compares With Neighboring States
Full-coverage averages: Rhode Island and its neighbors
Monthly, for the same benchmark driver and car in each state. Select a state to see its guide.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
Rhode Island’s average is about $16 a month above Connecticut’s and $66 above Massachusetts’. It’s the 11th-highest of the 50 states and Washington, D.C., in our data.
Cheapest Car Insurance in Rhode Island: Companies Compared
- Lowest full-coverage average among insurers anyone can buy from: State Farm, at about $173 a month ($2,079 a year). USAA comes in even lower, at about $126 a month, but it sells only to military families.
- Next lowest: Travelers, at about $186 a month, then Progressive at $216.
- Lowest liability-only average among the five major insurers we compared (Allstate, Amica, GEICO, Progressive and Travelers) (25/50/25): Amica, at about $62 a month, then Progressive at $67.
- Also on our list: USAA at about $126 a month and Nationwide at $255 (USAA sells only to military families).
- Most expensive in our table: GEICO, at about $300 a month for full coverage, $1,516 a year more than State Farm.
The statewide Rhode Island rate studies we reviewed are split on which insurer is cheapest for full coverage: four of the eight put Travelers first and four put State Farm first, apart from USAA, which sells only to military families. Among the seven published in 2026, Travelers leads four to three. For liability-only coverage at 25/50/25 limits, Amica has the lowest average among the five major insurers we compared, at about $62 a month, with Progressive close behind at $67.
Full-coverage averages by insurer in Rhode Island
Monthly, for the same driver and car.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Travelers | $970 | $81 | $2,228 | $186 |
| Progressive | $800 | $67 | $2,590 | $216 |
| Amica | $749 | $62 | $3,050 | $254 |
| Allstate | $1,355 | $113 | $3,419 | $285 |
| GEICO | $1,092 | $91 | $3,595 | $300 |
| USAA (military families)* | $572 | $48 | $1,514 | $126 |
| State Farm* | $612 | $51 | $2,079 | $173 |
| Nationwide* | $1,282 | $107 | $3,055 | $255 |
| Rhode Island average | $993 | $83 | $2,977 | $248 |
These are statewide averages for our benchmark driver. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Your ZIP code matters
How Rhode Island’s Major Car Insurers Compare
Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved over the past nine months.
Travelers
Full coverage unchanged in the past 9 months $186/mo full coverageFirst of five for full coverage and third among 5 major insurers for liability-only coverage statewide. Its full-coverage average is the same as nine months earlier.
Progressive
Full coverage unchanged in the past 9 months $216/mo full coverageSecond of five for full coverage and second among 5 major insurers for liability-only coverage statewide. Its full-coverage average was no different nine months earlier.
Amica
Left out of rate changes $254/mo full coverageThird of five for full coverage and first among 5 major insurers for liability-only coverage statewide. It’s left out of our rate-change comparison.
Allstate
Full coverage unchanged in the past 9 months $285/mo full coverageFourth of five for full coverage and fifth among 5 major insurers for liability-only coverage statewide. Compared with nine months earlier, its full-coverage average hasn’t changed.
GEICO
Full coverage down 2.5% in the past 9 months $300/mo full coverageFifth of five for full coverage and fourth among 5 major insurers for liability-only coverage statewide. It cut its full-coverage average 2.5% in the past 9 months.
Also selling in Rhode Island
Priced from published studiesOf the insurers anyone can buy from, State Farm has the lowest full-coverage average in our statewide table. Our statewide figures are about $126 a month for USAA, $173 for State Farm and $255 for Nationwide.
USAA reviewAre Car Insurance Rates Going Up in Rhode Island?
Not for our benchmark driver. Comparing the four insurers in our rate-change comparison, in the same Rhode Island ZIP codes, their full-coverage average fell from $2,981 a year nine months earlier to $2,958 in rates as of Aug. 31, 2026, a 0.8% drop. GEICO cut its Rhode Island average 2.5%, while Allstate’s, Progressive’s and Travelers’ averages were unchanged. Amica is left out of this comparison, which is why these averages differ from the Rhode Island average above. Rates for liability-only coverage at 25/50/25 limits were roughly flat.
Change in full-coverage averages over the past 9 months
Same driver, same insurer, same ZIP codes. Statewide averages.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.
What to Know About Rhode Island Car Insurance Costs
Rhode Island’s full-coverage average is the 11th-highest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.
- Providence County. Providence County is the most expensive county in our data, and Providence averages $322 a month, about 30% above the state average. Cranston averages $292, Pawtucket $288 and Warwick $239.
- Required uninsured motorist coverage. Every Rhode Island policy must include uninsured motorist coverage of at least 25/50 unless the driver buys only the minimum liability limits and signs a rejection notice.
- How rates are set. Under Rhode Island law, a casualty insurer’s rate filing generally waits 30 days before it takes effect, and the state’s insurance commissioner can extend that waiting period by up to 30 days. The filing takes effect unless the commissioner disapproves it in that time.
Rhode Island Car Insurance Rates by City
Providence is the most expensive of the four Rhode Island cities with two or more ZIP codes in our data, at $322 a month for full coverage, followed by Cranston at $292 and Pawtucket at $288. Warwick is the least expensive of the four, at about $239. Most Rhode Island cities and towns have a single ZIP code in our data. Across all 42 we price, averages run from about $322 in Providence to $178 in Middletown and Westerly.
Full-coverage averages in Rhode Island cities with two or more ZIP codes
Monthly, cities with at least two ZIP codes in our data. Dark bars have a city guide.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
The table lists all 42 Rhode Island cities and towns in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your town.
| City or Town: | ZIP Codes in Our Data: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Providence | 7 | $1,279 | $107 | $3,867 | $322 |
| North Providence | 1 | $1,221 | $102 | $3,809 | $317 |
| Central Falls | 1 | $1,208 | $101 | $3,741 | $312 |
| Johnston | 1 | $1,167 | $97 | $3,656 | $305 |
| Cranston | 3 | $1,169 | $97 | $3,507 | $292 |
| Pawtucket | 2 | $1,199 | $100 | $3,452 | $288 |
| Rumford | 1 | $1,167 | $97 | $3,365 | $280 |
| Riverside | 1 | $1,129 | $94 | $3,237 | $270 |
| Lincoln | 1 | $1,028 | $86 | $3,143 | $262 |
| East Providence | 1 | $1,074 | $90 | $3,096 | $258 |
| Greenville | 1 | $945 | $79 | $2,974 | $248 |
| Smithfield | 1 | $928 | $77 | $2,938 | $245 |
| Foster | 1 | $860 | $72 | $2,924 | $244 |
| North Scituate | 1 | $880 | $73 | $2,886 | $241 |
| Chepachet | 1 | $886 | $74 | $2,878 | $240 |
| West Warwick | 1 | $996 | $83 | $2,872 | $239 |
| Warwick | 3 | $1,036 | $86 | $2,869 | $239 |
| Cumberland | 1 | $965 | $80 | $2,787 | $232 |
| Woonsocket | 1 | $905 | $75 | $2,773 | $231 |
| Harrisville | 1 | $872 | $73 | $2,755 | $230 |
| Barrington | 1 | $971 | $81 | $2,743 | $229 |
| North Smithfield | 1 | $893 | $74 | $2,733 | $228 |
| Coventry | 1 | $884 | $74 | $2,727 | $227 |
| West Greenwich | 1 | $927 | $77 | $2,715 | $226 |
| Pascoag | 1 | $850 | $71 | $2,697 | $225 |
| East Greenwich | 1 | $936 | $78 | $2,688 | $224 |
| Warren | 1 | $987 | $82 | $2,641 | $220 |
| Bristol | 1 | $889 | $74 | $2,583 | $215 |
| West Kingston | 1 | $844 | $70 | $2,556 | $213 |
| Saunderstown | 1 | $825 | $69 | $2,551 | $213 |
| North Kingstown | 1 | $863 | $72 | $2,529 | $211 |
| Exeter | 1 | $829 | $69 | $2,526 | $211 |
| Wakefield | 1 | $794 | $66 | $2,519 | $210 |
| Kingston | 1 | $820 | $68 | $2,515 | $210 |
| Narragansett | 1 | $778 | $65 | $2,456 | $205 |
| Charlestown | 1 | $772 | $64 | $2,386 | $199 |
| Tiverton | 1 | $804 | $67 | $2,384 | $199 |
| Portsmouth | 1 | $781 | $65 | $2,235 | $186 |
| Newport | 1 | $769 | $64 | $2,216 | $185 |
| Jamestown | 1 | $730 | $61 | $2,153 | $179 |
| Westerly | 1 | $748 | $62 | $2,141 | $178 |
| Middletown | 1 | $758 | $63 | $2,133 | $178 |
| Rhode Island average | 53 | $993 | $83 | $2,977 | $248 |
Rhode Island City Car Insurance Guides
Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.
Compare Rhode Island with other states on our car insurance rates by state page.
Rhode Island Car Insurance Rates by County
Providence County is the most expensive of Rhode Island’s five counties in our data, at about $278 a month for full coverage, followed by Kent County ($233) and Bristol County ($221). Washington County ($205) and Newport County ($185) are the least expensive. We price all five of Rhode Island’s counties.
| County: | ZIP Codes in Our Data: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Providence County | 29 | $1,098 | $92 | $3,341 | $278 |
| Kent County | 7 | $979 | $82 | $2,801 | $233 |
| Bristol County | 3 | $949 | $79 | $2,656 | $221 |
| Washington County | 9 | $808 | $67 | $2,464 | $205 |
| Newport County | 5 | $769 | $64 | $2,224 | $185 |
| Rhode Island average | 53 | $993 | $83 | $2,977 | $248 |
How Much More Does Better Coverage Cost in Rhode Island?
Raising liability limits from 50/100/50 to 100/300/100 adds about $107 a year on average statewide in our data, with the same $500 deductibles. Across the five insurers, the step up costs $16 (Travelers) to $218 (GEICO) a year. Statewide, that’s about $9 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.
Rhode Island Car Insurance Rules at a Glance
Required on every policy
25/50/25- $25,000 per person and $50,000 per crash in bodily injury liability
- $25,000 in property damage liability
- Or a $75,000 combined single limit
- Uninsured motorist coverage of at least $25,000 per person and $50,000 per crash, unless you buy only the minimum limits and reject it in writing
How coverage is checked
Every week- Insurers report their policies weekly
- The DMV matches them with registered vehicles
- A letter after four weeks without a match
- 15 days to answer, then a second notice
If you drive uninsured
Up to one year- License suspension of up to 30 days for a first offense
- Up to six months for a second
- Up to one year for a third or later
- Fines can apply to every offense
What Car Insurance Is Required in Rhode Island?
Rhode Island drivers must carry auto insurance, according to the Department of Business Regulation. Under R.I. Gen. Laws 31-47-2, the minimum policy is:
- $25,000 per person and $50,000 per crash in bodily injury liability.
- $25,000 in property damage liability.
- Or a $75,000 combined single limit in place of those three.
Every policy must also include uninsured motorist coverage, which in Rhode Island also covers underinsured drivers, of at least $25,000 per person and $50,000 per crash, under R.I. Gen. Laws 27-7-2.1. You can choose uninsured motorist limits lower than your liability limits in writing, but not below that floor. Only drivers who buy just the minimum liability limits can reject it, after signing a notice approved by the Department of Business Regulation, which strongly recommends the coverage for most drivers.
Your insurer must be licensed in Rhode Island, according to the Rhode Island DMV, and the DMV says to keep proof of insurance in the car with your registration. Under R.I. Gen. Laws 31-47-12, you can show that proof on your phone.
Insurers report their policies every week for the DMV’s Insurance Verification Program, which matches them with the VINs of registered vehicles. If your vehicle has no matching policy for four weeks in a row, the DMV sends a letter asking for proof of insurance. You have 15 days to answer it. If you don’t, a second notice gives you another 15 days, and then the DMV revokes the registration, under R.I. Gen. Laws 31-47.4-4. Getting it back takes a reinstatement fee and starts a 12-month monitoring period.
Driving uninsured can also cost you your license. Under R.I. Gen. Laws 31-47-12, a first offense can bring a suspension of up to 30 days, a second up to six months and a third or later up to one year, along with fines. After a license suspension for driving under the influence or refusing a chemical test, you must maintain proof of financial responsibility for three years, under R.I. Gen. Laws 31-32-4.
Rhode Island uses pure comparative negligence: under R.I. Gen. Laws 9-20-4, your damages are reduced by your share of the fault, but being partly at fault doesn’t stop you from recovering. If you move to Rhode Island, you have 30 days to title and register your vehicle, according to the DMV, and 30 days to get a Rhode Island license.
How to Lower Your Car Insurance Rate in Rhode Island
- Quote several insurers. In our Rhode Island table, the lowest and highest averages among insurers anyone can buy from are about $127 a month apart for the same driver and car.
- Compare State Farm and Travelers first. They have the two lowest full-coverage averages among insurers anyone can buy from in our Rhode Island table, about $173 and $186 a month.
- Keep uninsured motorist coverage. Rhode Island requires it unless you buy only the minimum liability limits and sign a rejection notice, and the Department of Business Regulation strongly recommends it for most drivers. Our full-coverage prices include it at 100/300.
- Know which accidents can raise your rate. Under the Department of Business Regulation rating rule, an insurer can’t surcharge you for an accident with a property damage claim under $3,000, or for one in which you were 50% or less at fault.
- Ask for a re-rate if your credit improves. Rhode Island insurers can use credit-based insurance scores, but they must pass along any lower rate that better credit earns, under R.I. Gen. Laws 27-6-53.
- Ask your insurer questions. Since Jan. 1, 2026, Rhode Island insurers can’t add a surcharge or penalty because you asked about your policy’s terms, according to the Department of Business Regulation.
- Compare at every renewal. Over the past nine months, GEICO has cut its statewide average 2.5%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Rhode Island and our home insurance guide for Providence, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Rhode Island Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 265 full-coverage premiums from five insurers across 53 Rhode Island ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Rhode Island’s 25/50/25 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied. An insurer marked * is named cheapest only when it’s priced below every major insurer we compared and at least half of the statewide rate studies we cite rank it cheapest.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Amica is left out of our rate-change comparisons, which cover the other four insurers. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published Rhode Island rate studies, scaled to our benchmark driver. They aren’t included in our averages.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Rhode Island law and the Rhode Island Department of Business Regulation. We refresh these figures when new rate data is released.
More Rhode Island Car Insurance Breakdowns
The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.
Rhode Island Car Insurance Rates by County and Vehicle Type
In this analysis, an SUV is the least expensive vehicle type to insure and a coupe the most expensive in all five counties. A coupe costs about 36% more than an SUV on average.
| 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 |
Rhode Island Car Insurance FAQ
The average cost of car insurance in Rhode Island is about $248 a month ($2,977 a year) for full coverage and $83 a month ($993 a year) for liability-only coverage at the 25/50/25 state minimum. That’s for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026.
Of the insurers anyone can buy from, State Farm has the lowest full-coverage average in our statewide Rhode Island table, at about $173 a month, followed by Travelers at $186. USAA, which sells only to military families, is lower still, at about $126 a month. For liability-only coverage, Amica has the lowest average among the five major insurers we compared, at about $62 a month. The statewide Rhode Island rate studies we reviewed are split on which insurer is cheapest for full coverage: four of the eight put Travelers first and four State Farm, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, Providence County costs the most, at about $278 a month for full coverage, and Providence is the most expensive of the 42 cities and towns we price, at about $322. Newport County is the least expensive county, at about $185, and Middletown and Westerly are the least expensive towns we price, at about $178 each.
Not for our benchmark driver. Comparing the four insurers in our rate-change comparison (Amica is left out), their Rhode Island full-coverage average fell 0.8%, from about $2,981 to $2,958 a year. That’s lower than the Rhode Island average of $2,977 because it leaves out Amica. GEICO cut its Rhode Island average 2.5%. Liability-only coverage at 25/50/25 limits was about unchanged.
Rhode Island requires $25,000 per person and $50,000 per crash in bodily injury liability and $25,000 in property damage liability, or a $75,000 combined single limit. Policies must also include uninsured motorist coverage of at least $25,000 per person and $50,000 per crash, which drivers who buy only the minimum liability limits can reject in writing.
Rhode Island requires liability insurance, which pays for injuries and damage you cause to others, and uninsured motorist coverage, which pays for your injuries when the at-fault driver has no insurance or too little. Only drivers who buy just the minimum liability limits can reject uninsured motorist coverage, in writing. Under Rhode Island’s pure comparative negligence law, your damages are reduced by your share of the fault, but being partly at fault doesn’t stop you from recovering.
For our benchmark driver, full coverage in Rhode Island averages about $248 a month. Connecticut averages about $232, 7% below Rhode Island. Massachusetts averages about $182, 27% below Rhode Island. Every neighboring state costs less. These averages use the same driver and coverage in every state, from rates as of Aug. 31, 2026.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
