How Much Does Car Insurance Cost in Providence, RI?
Full coverage car insurance in Providence averages $441/month ($5,296/year) in 2026, while state-minimum liability coverage runs about $149/month ($1,788/year), based on InsuranceQuotes.com’s own rate comparison below. Rhode Island’s uninsured-driver rate is among the highest in the country, so carrying uninsured/underinsured motorist coverage matters for Providence drivers. Comparing quotes from multiple Rhode Island car insurance carriers by ZIP code can save real money — Travelers posted the lowest average rate in our comparison at $65/month for state-minimum coverage.
Rates last verified and updated: July 2026.
- State minimum liability on average in Providence, RI costs $149 a month or $1,788 a year. Full coverage auto policies costs around $441 a month or $5,296 a year in Providence.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Providence – 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.
Cheap Car Insurance Companies in Providence, RI
- In Providence the cheapest car insurance companies on average are Travelers, Progressive and Allstate. State minimum liability car insurance starts at $65 a month or $785 a year. The cheapest full coverage car insurance starts at $188 a month or $2,251 a year with a policy from Travelers.
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 |
How to Get a Cheap Auto Insurance Policy in Providence, RI
When it comes to finding the best car insurance rates in Providence, RI, drivers should take advantage of InsuranceQuotes’ easy-to-use quote form and real-time cost comparison tools. By getting multiple free auto insurance quotes from our database of the cheapest local and national insurance companies, motorists can ensure they are receiving the most affordable coverage for their vehicles. With rising costs associated with owning a vehicle, it is crucial for individuals to shop around and compare prices before committing to a policy. At InsuranceQuotes, we strive to make this process as simple and efficient as possible so that drivers can feel confident in their decision when selecting an insurance provider.
How Much Car Insurance Do I Need in Rhode Island?
In Rhode Island, drivers are required to carry minimum levels of car insurance coverage to legally operate a vehicle on public roads. The mandatory coverage in Rhode Island includes:
- Bodily Injury Liability Coverage: This coverage pays for injuries or death that you cause to another person in an at-fault accident. Rhode Island requires minimum bodily injury liability coverage of:
- $25,000 per person injured in any one accident
- $50,000 for all persons injured in any one accident
- Property Damage Liability Coverage: This coverage pays for damage to another person’s property caused by you in an at-fault accident. Rhode Island requires minimum property damage liability coverage of:
- $25,000 for injury to or destruction of property of others in any one accident
These are the minimum coverage requirements mandated by Rhode Island law. However, drivers may opt to purchase additional coverage types, such as collision coverage, comprehensive coverage, medical payments coverage, and more, to enhance their protection.
While the above coverages are required by law, Rhode Island also offers additional optional coverage types for drivers to consider, including:
- Liability Coverage: This coverage is required by law in Rhode Island and helps pay for injuries or property damage you cause to others in an at-fault accident.
- Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.
- Personal Injury Protection (PIP): Also known as “no-fault” insurance, PIP coverage helps pay for medical expenses and other related costs for you and your passengers, regardless of who is at fault in the accident.
- Collision Coverage: This coverage helps pay for damages to your vehicle caused by a collision with another vehicle or object, regardless of fault.
- Comprehensive Coverage: This coverage helps pay for damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, fire, or natural disasters.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if injured in an accident, regardless of fault.
- Rental Reimbursement Coverage: This coverage helps pay for the cost of renting a car while your vehicle is being repaired after a covered accident.
- Towing and Labor Coverage: This coverage reimburses you for towing and labor costs if your vehicle breaks down or becomes disabled.
Car insurance in Providence, RI averages $149/month for state-minimum coverage and $441/month for full coverage in 2026. Travelers offers the most competitive rate in our comparison, starting around $65/month for state-minimum coverage. Comparing multiple quotes is the best way to find your lowest rate in Providence.
RI requires minimum coverage of 25/50/25 + PIP. RI is a no-fault state — your PIP coverage pays your own medical bills after an accident regardless of fault. Driving uninsured in RI can result in license suspension and fines.
Yes. RI is a no-fault state requiring Personal Injury Protection (PIP). Your PIP pays your medical expenses after any accident regardless of who caused it.
For Providence drivers in 2026, Travelers offers the lowest average rate in our comparison at $65/month for state-minimum coverage and $188/month for full coverage. Progressive ($89/month minimum) and Allstate ($106/month minimum) are also competitively priced. Comparing at least three quotes at each renewal is essential since rates shift year to year.
Rhode Island is a no-fault state with an uninsured-driver rate estimated near 1 in 6 motorists — among the highest in the country, a strong reason to carry uninsured/underinsured motorist coverage. To lower your Providence premium: (1) compare at least three carrier quotes annually — Travelers, Progressive, and Allstate posted the lowest average rates in our 2026 comparison, (2) maintain a clean driving record, (3) bundle auto and Providence home insurance or renters for 5 to 15% savings, and (4) raise your deductible to $1,000 on full coverage to reduce premiums 10 to 15%.
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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.
