For a 40-year-old driver with a clean record, Providence car insurance averages about $322 a month ($3,867 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 30% above the Rhode Island average of $248 a month. Of the insurers open to all drivers, State Farm has the lowest full-coverage average in our Providence table, at about $225 a month.
Providence is the most expensive of the 42 Rhode Island cities and towns we price. Our benchmark driver pays about $74 a month more here than the state average and about $83 a month more than in Warwick.
Prices also vary more inside the city than in any of the other three Rhode Island guide cities: the least and most expensive of Providence’s seven ZIP codes are about $88 a month apart for the same driver and car.
Cost data comes from the auto rates insurers file with state regulators, priced across all seven Providence ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.
How Much Is Car Insurance in Providence, RI?
Full coverage in Providence averages $3,867 a year, or about $322 a month, for our benchmark driver. Liability-only coverage at Rhode Island’s 25/50/25 minimum averages $1,279 a year ($107 a month), and 50/100/50 liability with comprehensive and collision averages $3,721 ($310 a month).
- Full coverage (100/300/100, $500 deductibles): $3,867 a year ($322 a month)
- 50/100/50 with $500 deductibles: $3,721 a year ($310 a month)
- Liability only (25/50/25): $1,279 a year ($107 a month)
- Providence County: $3,341 a year ($278 a month) for full coverage
- Rhode Island average: $2,977 a year ($248 a month) for full coverage
- ZIP code range: $269 (02906) to $357 (02907) a month for full coverage
Cheap Car Insurance in Providence: Companies Compared
- Lowest full-coverage average among insurers open to all drivers: State Farm, at about $225 a month ($2,701 a year). USAA, which sells only to military families, is lower still, at about $164 a month.
- Next lowest: Travelers, at about $251 a month, then Progressive at $273.
- Lowest liability-only average among the insurers we price (25/50/25): Amica, at about $78 a month, then Progressive at $83.
- Also on our list: USAA at about $164 a month and Nationwide at $331 (USAA sells only to military families).
- Most expensive in our table: GEICO, at about $397 a month, $2,061 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 insurers we price, at about $78 a month, with Progressive close behind at $83.
Full-coverage averages by insurer in Providence
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 | $1,217 | $101 | $3,007 | $251 |
| Progressive | $992 | $83 | $3,270 | $273 |
| Amica | $939 | $78 | $3,730 | $311 |
| Allstate | $1,762 | $147 | $4,563 | $380 |
| GEICO | $1,485 | $124 | $4,762 | $397 |
| USAA (military families)* | $737 | $61 | $1,966 | $164 |
| State Farm* | $788 | $66 | $2,701 | $225 |
| Nationwide* | $1,651 | $138 | $3,968 | $331 |
| Providence average | $1,279 | $107 | $3,867 | $322 |
This table uses Providence ZIP codes only. See how we calculated these rates.
Providence Car Insurance Rates by ZIP Code
Across the seven Providence ZIP codes we price, full coverage for our driver ranges from about $269 a month in 02906 to $357 in 02907, a gap of $1,062 a year. The East Side’s 02906 is the least expensive Providence ZIP code in our data, and the three ZIP codes south, west and northwest of downtown, 02907, 02909 and 02908, are the most expensive.
Lowest-priced Providence ZIP codes
Highest-priced Providence ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Providence’s average.
| ZIP Code: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 02903 | $1,217 | $101 | $3,576 | $298 | -7% |
| 02904 | $1,240 | $103 | $3,843 | $320 | -1% |
| 02905 | $1,301 | $108 | $3,774 | $315 | -2% |
| 02906 | $1,130 | $94 | $3,227 | $269 | -16% |
| 02907 | $1,385 | $115 | $4,289 | $357 | +11% |
| 02908 | $1,328 | $111 | $4,145 | $345 | +7% |
| 02909 | $1,352 | $113 | $4,212 | $351 | +9% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Providence?
Raising liability limits from 50/100/50 to 100/300/100 adds about $146 a year on average in our Providence data, with the same $500 deductibles. That’s about $12 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.
Is Car Insurance Going Up in Providence?
No, for our benchmark driver. Comparing the four insurers in our rate-change comparison, in the same Providence ZIP codes, their full-coverage average was $3,901 a year in both the Nov. 30, 2025, and Aug. 31, 2026, rates. Allstate’s, GEICO’s, Progressive’s and Travelers’ averages were unchanged. Amica is left out of this comparison, which is why these averages differ from the Providence average above. Liability-only coverage at 25/50/25 limits rose 1.0%, led by GEICO, which raised its liability-only average 4.0%.
Why Does Car Insurance Cost More in Providence?
Providence County averages about $278 a month for full coverage, the most expensive of Rhode Island’s five counties in our data. It holds 29 of the 53 ZIP codes we price, including those in Providence, Cranston and Pawtucket.
Towns that border the city vary: North Providence averages about $317 a month and Johnston $305, while East Providence, across the Seekonk River, averages $258. Where you live is one of the factors Rhode Island insurers use, so neighboring cities and towns can be priced differently.
How Providence Car Insurance Compares With Other Rhode Island Cities
More Rhode Island cities and towns are in the Rhode Island rates by city table, and you can compare states on our car insurance rates by state page.
Pawtucket, about four miles north, averages $288 a month, and Cranston, about three miles south, $292. Warwick, about eight miles south, averages $239.
What Car Insurance Is Required in Providence?
Drivers in Providence follow Rhode Island’s rules. Every policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
- Uninsured motorist coverage, which also covers underinsured drivers, of $25,000 per person and $50,000 per crash
A $75,000 combined single limit can replace the separate liability limits. Only drivers who buy just the minimum liability limits can turn down uninsured motorist coverage, and they have to sign a rejection notice.
Our Rhode Island requirements guide covers the state’s weekly insurance checks and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Providence
- Compare State Farm and Travelers first. They have the two lowest full-coverage averages among insurers open to all drivers in our Providence table, about $225 and $251 a month.
- Quote several insurers. In our Providence table, the lowest and highest averages among insurers open to all drivers are about $172 a month apart for the same driver and car.
- 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.
- Answer any insurance verification letter. If the DMV can’t match your car to a policy for four weeks in a row, it sends a letter, and you have 15 days to send proof. Ignoring that letter and a second notice leads to a revoked registration, under state law.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See Rhode Island home insurance rates.
Ready to compare
How We Calculated Providence 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: 35 full-coverage premiums from five insurers across seven Providence 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 insurer we rank and a published 2026 study we reviewed also ranks 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.
Providence Car Insurance FAQ
For our benchmark driver, full coverage in Providence averages about $322 a month ($3,867 a year) and liability-only coverage about $107 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 30% above the Rhode Island average of $248 a month.
Of the insurers open to all drivers, State Farm has the lowest full-coverage average in our Providence table, at about $225 a month, followed by Travelers at $251. USAA, which sells only to military families, is lower still, at about $164 a month. For liability-only coverage, Amica has the lowest average among the insurers we price, at about $78 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 full coverage averages about $322 a month, 30% above the Rhode Island average and the highest of the 42 cities and towns we price in the state. Providence County is the most expensive of the five counties, and prices are highest south of downtown, at about $357 a month in 02907.
In our data, 02906 has the lowest full-coverage average in Providence, at about $269 a month, and 02907 the highest, at about $357. The ZIP code table on this page lists all seven.
In our Providence data, full coverage (100/300/100 with $500 deductibles) averages about $322 a month and liability-only coverage at 25/50/25 limits about $107, a difference of about $215 a month ($2,588 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
No, for our benchmark driver. Comparing the four insurers in our rate-change comparison (Amica is left out), their Providence full-coverage average was unchanged at about $3,901 a year. That’s higher than the Providence average of $3,867 because it leaves out Amica. Liability-only coverage at 25/50/25 limits rose 1.0%.
- 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.
