Best and Cheapest Car Insurance in Rhode Island (Save Big With These 10 Companies in 2024)
The top pick overall for the best and cheapest car insurance in Rhode Island are USAA, State Farm, Travelers, offering affordable rates as lows as $28/month
Whether you're a teen, married couple, or senior driver, comparing quotes and understanding coverage options can lead to significant savings.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
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#1 | $28 | A++ | Military Savings | USAA |
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#2 | $32 | B | Complete Coverage | State Farm |
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#3 | $44 | A++ | Specialized Coverage | Travelers |
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#4 | $49 | A+ | Competitive Rates | Progressive |
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#5 | $53 | A++ | Senior Discounts | Geico |
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#6 | $64 | A | Claims Service | American Family |
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#7 | $78 | A | Discount Selection | Farmers |
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#8 | $80 | A+ | Local Agents | Allstate |
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#9 | $81 | A+ | Multi-Policy Savings | Nationwide |
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#10 | $100 | A | Occupational Discount | Liberty Mutual |
Read on to discover the best companies, coverage options, and tips for reducing your car insurance premiums in Rhode Island.
Finding cheaper insurance rates is as easy as entering your ZIP code into our free quote comparison tool above.
What You Should Know
- USAA is the top pick overall for affordable rates, starting at $28/month
- Offers the best and cheapest car insurance in Rhode Island for all driver groups
- Compare quotes to save as rates vary by driving history and location
On this page:
- USAA: Top Overall Pick
- State Farm: Best for Complete Coverage
- Travelers: Best for Specialized Coverage
- Progressive: Best for Competitive Rates
- Geico: Best for Senior Discounts
- American Family: Best for Claims Service
- Farmers: Best for Discount Selection
- Allstate: Best for Local Agents
- Nationwide: Best for Multi-Policy Savings
- Liberty Mutual: Best for Occupational Discount
- Best Providers for Affordable Teen Car Insurance Rates in Rhode Island
- Top Providers for Affordable Car Insurance Rates for Married Couples in Rhode Island
- Top Providers for Affordable Senior Car Insurance Rates in Rhode Island
- Cheapest Areas for Car Insurance in Rhode Island
- Most Expensive Areas for Car Insurance in Rhode Island
- High-Cost Areas for Car Insurance in Rhode Island
- Understanding the Calculation of Auto Insurance Rates in Rhode Island
- Saving Money on Your Car Insurance in Rhode Island
- Clearsurance's Method for Rating and Ranking Insurance Companies
- Affordable Car Insurance Picks for Rhode Island Drivers
#1 – USAA: Top Overall Pick
Pros
- Low Rates: USAA customer reviews highlight the company's competitive rates in Rhode Island, making it an excellent option for budget-conscious drivers.
- Excellent Customer Service: USAA is renowned for its top-tier customer service, consistently receiving high ratings.
- Strong Financial Stability: With a robust financial background, USAA provides peace of mind that claims will be paid promptly.
Cons
- Limited Local Agents: Fewer local agents compared to other providers, which may be a drawback for those preferring in-person service.
- Membership Restrictions: Only available to military members and their families, limiting accessibility.
#2 – State Farm: Best for Complete Coverage
Pros
- Excellent Customer Service: Known for superior customer service, State Farm provides 24/7 support and a network of local agents to assist with any issues or questions.
- Discounts: State Farm Insurance customer reviews highlight various discounts, such as multi-policy, good driver, and student discounts, which help Rhode Island residents save on premiums.
- Innovative Technology: The State Farm mobile app offers features like claims filing, roadside assistance requests, and policy management, enhancing customer experience.
Cons
- Higher Premiums: State Farm's comprehensive coverage options can come at a higher cost compared to other providers, which may not be ideal for budget-conscious drivers.
- Limited Availability of Certain Discounts: Some discounts may not be available in all areas or for all customers, which could limit savings potential for some Rhode Island residents.
#3 – Travelers: Best for Specialized Coverage
Pros
- Customizable Policies: Travelers Companies, Inc. customer reviews highlight the highly customizable policies available, tailored to meet the unique needs of Rhode Island drivers, including options for specific vehicle types and driver profiles.
- Strong Claims Handling: Known for efficient and fair claims handling, Travelers ensures that policyholders receive the support they need quickly and effectively.
- Discount Opportunities: Travelers provides numerous discount opportunities such as safe driver, multi-car, and homeownership discounts, which can help reduce insurance costs.
Cons
- Higher Rates for Young Drivers: Travelers may charge higher premiums for younger drivers compared to other insurers, making it less competitive for this demographic in Rhode Island.
- Fewer Local Agents: Travelers has fewer local agents compared to some competitors, which might be a disadvantage for customers who prefer in-person service.
#4 – Progressive: Best for Competitive Rates
Pros
- Affordable Premiums: Progressive Insurance customer reviews showcase the company's highly competitive rates in Rhode Island, making it an excellent choice for budget-conscious drivers.
- Wide Range of Discounts: Progressive provides various discounts, including multi-policy, multi-car, and safe driver discounts, which can further reduce costs.
- Customizable Coverage: Drivers can tailor their policies with options like roadside assistance, rental car reimbursement, and custom parts coverage.
Cons
- Customer Service Variability: While many customers have positive experiences, others report inconsistency in customer service quality.
- Limited Local Agents: For those who prefer in-person interactions, Progressive’s reliance on online services might be a drawback.
#5 – Geico: Best for Senior Discounts
Pros
- Senior Discounts: Geico offers significant discounts for senior drivers, making it a top choice for older residents in Rhode Island. Check out our ranking of the top providers: Best Car Insurance for Senior Drivers
- Strong Financial Stability: Geico’s solid financial footing ensures they can reliably pay out claims.
- User-Friendly Digital Tools: Excellent mobile app and online platform for managing policies, filing claims, and getting quotes.
Cons
- Limited Local Agent Interaction: Geico primarily operates online and over the phone, which might not be ideal for those who prefer face-to-face interactions.
- Coverage Options Complexity: Some customers find Geico’s numerous add-on options and coverage levels a bit overwhelming to navigate.
#6 – American Family: Best for Claims Service
Pros
- Efficient Claims Processing: American Family Insurance customer ratings highlight its efficient and hassle-free claims process, ensuring that customers in Rhode Island can return to the road swiftly after an accident.
- Comprehensive Coverage Options: Offers a wide range of coverage options, including collision, comprehensive, and uninsured motorist, catering to various needs and budgets.
- Strong Customer Service: Highly rated for customer support, providing personalized assistance and guidance through the insurance process.
Cons
- Higher Premiums: May have slightly higher premiums compared to some competitors, which could be a drawback for budget-conscious drivers.
- Limited Availability of Agents: While customer service is strong, the availability of local agents in some areas of Rhode Island may be limited.
#7 – Farmers: Best for Discount Selection
Pros
- Extensive Discount Options: Farmers Insurance customer reviews highlight a variety of discounts, such as multi-car, homeowner, and military discounts, that help Rhode Island drivers save on their premiums.
- Customizable Policies: Offers flexible policy options that allow customers to tailor their coverage to meet specific needs, ensuring they only pay for what they need.
- Strong Financial Stability: Known for its financial strength, Farmers can reliably pay out claims, providing peace of mind to policyholders.
Cons
- Complex Discounts: Some customers find the discount qualification criteria to be complex and difficult to understand, which might lead to confusion.
- Limited Availability of Some Discounts: Certain discounts may not be available in all areas or for all types of policies, which can limit savings for some customers.
#8 – Allstate: Best for Local Agents
Pros
- Extensive Agent Network: Allstate customer reviews highlight a large network of local agents, showcasing personalized service and in-depth knowledge of Rhode Island's insurance needs.
- Comprehensive Coverage: Offers a variety of coverage options, including gap insurance and rideshare coverage, catering to diverse policyholder needs.
- Drivewise Program: Usage-based insurance program that rewards safe driving with potential premium discounts.
Cons
- Higher Costs: Premiums can be higher than some competitors, especially for full coverage options.
- Mixed Customer Reviews: Customer satisfaction can vary significantly by location and agent, leading to inconsistent experiences.
#9 – Nationwide: Best for Multi-Policy Savings
Pros
- Multi-Policy Discounts: Save more by bundling auto and home insurance policies, making it affordable for families.
- Accident Forgiveness: Nationwide customer reviews highlight that the company prevents rate increases after your first at-fault accident, providing peace of mind.
- SmartRide Program: Offers discounts for safe driving habits, monitored through a device in your car.
Cons
- Higher Rates for High-Risk Drivers: Those with less-than-perfect driving records may face higher premiums.
- Limited Local Agents: Fewer local agents in some areas of Rhode Island, potentially affecting personalized service.
#10 – Liberty Mutual: Best for Occupational Discount
Pros
- Occupational Discounts: Liberty Mutual insurance customer reviews highlight special discounts available for teachers, firefighters, and various other professions.
- Comprehensive Coverage Options: Wide range of coverage options including gap insurance and new car replacement.
- Deductible Fund: Option to reduce your deductible each year by adding to a fund, beneficial for long-term savings.
Cons
- Higher Premiums for Some Drivers: Rates can be higher for drivers with less-than-perfect records.
- Limited Discounts Compared to Competitors: Fewer discount options compared to other top insurers like Geico and State Farm.
Best Providers for Affordable Teen Car Insurance Rates in Rhode Island
Finding affordable car insurance for teens in Rhode Island can be a challenge due to the higher risk associated with young drivers. However, some insurance providers offer competitive rates tailored for teen drivers. This guide highlights the best providers offering the most budget-friendly options for teen car insurance in Rhode Island. To gain further insights, consult our comprehensive guide titled "What are the cheapest cars to insure?"
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $80 | $189 |
| American Family | $64 | $151 |
| Farmers | $78 | $183 |
| Geico | $53 | $125 |
| Liberty Mutual | $100 | $235 |
| Nationwide | $81 | $190 |
| Progressive | $49 | $116 |
| State Farm | $32 | $76 |
| Travelers | $44 | $103 |
| USAA | $28 | $65 |
When it comes to finding the cheapest car insurance rates for teens in Rhode Island, several providers stand out. For minimum coverage, USAA offers the lowest rate at $28, followed by State Farm at $32, and Progressive at $49. For full coverage, USAA remains the most affordable at $65, with State Farm at $76, and Progressive at $116. These rates highlight that USAA and State Farm consistently provide some of the best deals for teen drivers.
Explore car insurance discounts from top providers in New Rhode Island. Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, and USAA offer a variety of discounts such as safe driver, multi-policy, good student, and anti-theft device. Compare these options to find the best savings and coverage tailored to your needs.
Because of a lack of driving experience, car insurance for teens can be pricey. They can be looked at as a high-risk driver, since they don't have much in the way of driving history. It can help to shop around to find the best prices. Though it's also best to teach them proper driving habits. A defensive driving course can help too. Out of the five largest auto insurers in Rhode Island, Geico is the cheapest auto insurance option for both male and female teen drivers on average.
The table presents monthly car insurance rates from various companies, comparing premiums for 18-year-old male and female drivers, highlighting differences in costs based on gender and age demographics.
| Insurance Company | Female (Age 18) | Male (Age 18) |
|---|---|---|
| Allstate | $98 | $215 |
| American Family | $191 | $259 |
| Farmers | $379 | $399 |
| Geico | $240 | $314 |
| Liberty Mutual | $271 | $426 |
| Nationwide | $228 | $296 |
| Progressive | $375 | $426 |
| State Farm | $94 | $125 |
| Travelers | $549 | $868 |
| USAA | $152 | $173 |
These rates are based on profiles for 18-year-old male and female drivers in Rhode Island. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Rhode Island will differ. Rate data is provided by Quadrant Information Services.
Top Providers for Affordable Car Insurance Rates for Married Couples in Rhode Island
Out of these companies, USAA offers the cheapest car insurance rates for married couples in Rhode Island on average. The table below displays Rhode Island car insurance rates for a married couple with two cars on a policy from the top companies in the state. For additional details, explore our comprehensive resource titled "Best Car Insurance Companies for Married Couples."
This table showcases the monthly car insurance rates from top providers in Rhode Island for married couples, weighing demographic factors such as marital status and residency.
| Insurance Company | Rates |
|---|---|
| Allstate | $94 |
| American Family | $81 |
| Farmers | $100 |
| Geico | $53 |
| Liberty Mutual | $137 |
| Nationwide | $109 |
| Progressive | $70 |
| State Farm | $44 |
| Travelers | $52 |
| USAA | $41 |
These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had one driving incident within the past three years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Rhode Island will differ. Rate data is provided by Quadrant Information Services.
Top Providers for Affordable Senior Car Insurance Rates in Rhode Island
Among the 10 most popular auto insurance companies in Rhode Island, USAA provides the cheapest car insurance rates for male and female senior drivers on average. While rates do tend to go down the older a person gets, it's also important to note that this is based on clean driving history. Someone with a clean driving record is going to have lower rates, regardless of age. To learn more, explore our comprehensive resource on insurance titled "The Cost Benefits to Taking a Defensive Driving Course."
This table presents the monthly car insurance rates for senior drivers in Rhode Island, comparing premiums for 65-year-old males and females across top insurance providers.
| Insurance Company | Female (Age 65) | Male (Age 65) |
|---|---|---|
| Allstate | $84 | $89 |
| American Family | $59 | $60 |
| Farmers | $69 | $74 |
| Geico | $55 | $52 |
| Liberty Mutual | $96 | $96 |
| Nationwide | $70 | $75 |
| Progressive | $47 | $47 |
| State Farm | $29 | $29 |
| Travelers | $45 | $45 |
| USAA | $26 | $26 |
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Rhode Island will differ. Rate data is provided by Quadrant Information Services.
Cheapest Areas for Car Insurance in Rhode Island
Car insurance rates are determined based on your risk of filing a car insurance claim. Since different areas of Rhode Island have different risks, car insurance rates vary depending on where you live. In the table below, you can see the top 10 cheapest areas in Rhode Island for car insurance based on average rates for single adults. To delve deeper, refer to our in-depth report titled "When to File a Car Insurance Claim."
The table displays monthly car insurance rates in Rhode Island, considering the cheapest areas and their corresponding rates, while factoring in demographics such as city location and regional characteristics.
| City | Rates |
|---|---|
| Jamestown | $100 |
| Middletown | $100 |
| Newport | $100 |
| Little Compton | $101 |
| Block Island | $102 |
| Westerly | $103 |
| Portsmouth | $104 |
| Prudence Island | $105 |
| Tiverton | $109 |
| Bradford | $109 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Rhode Island will differ. Rate data is provided by Quadrant Information Services.
Most Expensive Areas for Car Insurance in Rhode Island
Depending on certain factors, including as crime rate and severe weather, car insurance rates can be more expensive in certain areas of Rhode Island than others. The table below displays the top 10 most expensive areas in Rhode Island for car insurance based on average rates for a single adult. For a thorough understanding, refer to our detailed analysis titled "Why Is Car insurance So Expensive?"
The table below shows the monthly car insurance rates for different cities in Rhode Island, highlighting the most expensive areas, with demographic factors such as urban density and traffic patterns being considered.
| City | Rates |
|---|---|
| Providence | $170 |
| North Providence | $166 |
| Johnston | $160 |
| Central Falls | $158 |
| Cranston | $156 |
| Pawtucket | $156 |
| Peace Dale | $153 |
| Rumford | $146 |
| Adamsville | $145 |
| East Providence | $145 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Rhode Island will differ. Rate data is provided by Quadrant Information Services.
High-Cost Areas for Car Insurance in Rhode Island
Rhode Island drivers are required to have two different auto insurance coverages: liability and uninsured/underinsured motorist coverage. The minimum limits for these coverages, listed below, will ensure that you’re a legal driver, but they may not be enough to cover you in the event of a costly accident. You should consider obtaining higher limits to ensure you have enough protection.
The minimum limits for these coverages, listed below, will ensure that you’re a legal driver, but they may not be enough to cover you in the event of a costly accident. You should consider obtaining higher limits to ensure you have enough protection.
While uninsured/underinsured motorist coverage is required in Rhode Island, you do have the option to decline this coverage. Keep in mind, though, you wouldn’t be protected in an accident caused by uninsured drivers or a driver who doesn’t have sufficient auto insurance coverage. Plus, this coverage would protect you if you were a victim of a hit-and-run accident.
In Rhode Island, 15.2 percent of drivers are uninsured, according to 2015 data from the Insurance Information Institute. That’s the 13th highest rate in the country, making uninsured motorist coverage important.
Rhode Island state minimum requirements:
Here is a list of Rhode Island's minimum coverage requirements:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured/Underinsured Motorist Coverage: $25,000 per person and $50,000 per accident for bodily injury; $25,000 per accident for property damage.
Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.
Now you know what coverages are required, but what about the additional coverage options you can buy in Rhode Island? The two most common — and ones you’ve likely heard of — are collision coverage and comprehensive coverage. Both of these coverages provide additional protection for your vehicle. Another coverage to consider is medical payments, which covers your accident-related medical expenses, regardless of fault. Some companies offer roadside assistance, as well, so it’s important to ask your company about what coverages they offer.
Understanding the Calculation of Auto Insurance Rates in Rhode Island
When searching and comparing auto insurance quotes from the best auto insurance companies in Rhode Island, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Driving Record & Mileage
- Age, Gender, & Marital Status
- Your Car’s Make, Model, and Year
- Location
- Amount of Car Insurance Coverage
One of the biggest misunderstandings when it comes to coverage rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case? To expand your knowledge, refer to our comprehensive handbook titled "Five Steps to Take After a Car Accident."
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.
Saving Money on Your Car Insurance in Rhode Island
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Rhode Island car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.
Here are five ways you may be able to lower your car insurance rates:
- Bundle Policies
- Raise Deductibles
- Pay in Full
- Try Usage-Based Insurance
- Shop for Better Rates
You can obtain more personalized quotes by talking with your insurer. Not only will this allow you to make financial decisions with confidence, but you may also be given insight into other ways to save money. If you have excellent credit, or a clean record when it comes to driving, you may be offered discounts on your policy service options.
Even if you don't, there are other ways to receive compensation, because there are so many types of discounts available. Some other financial offers may include military, or good student discounts if you have drivers on your policy who are still in school and have excellent scores in their classes. You don't always have to look for the cheapest options, because there are so many ways you can end up saving money.
Clearsurance's Method for Rating and Ranking Insurance Companies
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better. We don't just focus on the cheapest rates and who makes the most affordable company to choose. The average driver tends to look at reviews before making an informed decision. To gain profound insights, consult our extensive guide titled "What Is a Driving Record and What Does It Track?"
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings. We make sure that we only use valid reviews to ensure we provide accurate content.
Affordable Car Insurance Picks for Rhode Island Drivers
Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.
Explore your car insurance options by entering your ZIP code below and finding which companies have the lowest rates.
Frequently Asked Questions
What is the best and cheapest insurance for car?
USAA, Nationwide, Travelers, Erie, Geico and Progressive are the cheapest car insurance companies nationwide, according to our analysis.
What is the minimum coverage for car insurance in Rhode Island?
The minimum amount of Rhode Island auto insurance coverage is $25,000/$50,000/$25,000. In the event of a covered accident, your limits for bodily injury are $25,000 per person, with a total maximum of $50,000 per incident. It also covers up to $25,000 for damage to another person's property.
Why is Rhode Island car insurance so expensive?
Rhode Island's car insurance costs are high due to high urban population density and higher-than-average highway density and uninsured driver rates. In Rhode Island, it costs an average of $1,822 per year for a car insurance policy.
Is Geico licensed in Rhode Island?
Rhode Island drivers can turn to Geico for affordable rates and excellent customer service on their RI car insurance policy. From a wide range of available discounts to great extras like roadside assistance, new Rhode Island residents can count on Geico.
Which insurance cover is best for car?
Comprehensive' insurance cover provides the widest cover and covers for theft and hijacking, damages due to an accident, fire or explosion and natural disasters like hail and floods.
Is it illegal to not have car insurance in Rhode Island?
Driving without car insurance in Rhode Island is illegal, and you will likely face several consequences if you get caught. For a first offense, drivers may receive a fine between $100 and $500. After two, the fine increases to a minimum of $500 and you may face up to six months of your license being suspended.
What car insurance is required in Rhode Island?
Liability coverage is legally required in Rhode Island. This coverage type pays for bodily injuries and property damage of those that you harm when you are at-fault in an accident. It will also pay for the injured party's lost wages and pain and suffering.
What is the difference between progressive and Geico?
Both Geico and Progressive are reputable insurers with positive industry reputations, but which is better for you depends on your situation. We found Geico offers slightly better rates for the average driver while Progressive tends to have lower rates for high-risk drivers in particular.
Does Rhode Island require proof of insurance?
You must also certify upon obtaining or renewing your driver's license that you understand that you must carry proof of insurance when you drive a motor vehicle in the State of Rhode Island.
Does Rhode Island require uninsured motorist coverage?
In Rhode Island, everyone is required by law to carry a liability policy and uninsured/underinsured coverage. Liability covers damages when you cause an accident. The uninsured motorist benefits are intended to provide coverage when an uninsured driver hits you or your vehicle.