Cheap Auto Insurance in Rhode Island for 2025 (Big Savings With These 10 Companies!)

The cheapest auto insurance in Rhode Island comes from State Farm, Travelers, and Progressive.

State Farm is the top pick overall with rates starting at just $32 per month, making it the most affordable option for RI drivers.

Our Top 10 Company Picks: Cheap Auto Insurance in Rhode Island

Travelers stands out for customer service by offering accident forgiveness, new car replacement, and gap insurance. While Progressive offers budgeting tools such as snapshot® program and name your price® tool.

Stop overpaying for car insurance and use our free quote comparison tool allows you to shop for quotes from the top providers near you by entering your ZIP code.

#1 –  State Farm: Top Overall Pick

Pros

• Lowest Rates Statewide: Offers liability coverage starting at $32/month, making it the most affordable option in Rhode Island based on 2025 market data.
• Widespread Agent Support: With over 18 agent offices in Rhode Island, drivers can access fast, in-person help for claims and policy changes.
• Safe Driving Rewards: Rhode Island drivers can save up to 30% through State Farm’s Drive Safe & Save telematics program. Read more in our full review of State Farm’s auto insurance.

Cons

• No Gap Insurance Available: Drivers in Rhode Island leasing or financing vehicles cannot add gap coverage through State Farm.
• Limited Add-Ons: State Farm offers fewer optional coverages than some RI competitors, including no new car replacement or rideshare endorsements.

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#2 – Travelers: Cheapest for Customer Service

Pros

• Flexible Policy Add-Ons: Rhode Island drivers can customize policies with accident forgiveness, gap insurance, and new car replacement coverage.
• Green Car Savings: Offers up to 10% off for hybrid or electric vehicles registered in Rhode Island. Read our review of Travelers to learn more.
• Reliable Full Coverage Pricing: Offers comprehensive coverage starting at $44/month, which is competitively priced for RI drivers.

Cons

• Fewer Local Offices: Travelers has limited in-person agent locations in Rhode Island, which may inconvenience drivers seeking face-to-face service.
• Above-Average Base Premiums: Entry-level pricing in Rhode Island is typically higher than State Farm or Geico for minimum coverage shoppers.

#3 – Progressive: Cheapest for Budgeting Tools

Pros

• Best for Violations or SR-22s: Offers auto insurance for high-risk Rhode Island drivers, including DUI or SR-22 cases, with rates starting at $49/month.
• Budget-Friendly Tools: The Name Your Price® tool helps Rhode Island drivers find policies that match their monthly spending limits.
• Usage-Based Savings: Through Snapshot®, RI drivers can save up to 30% for demonstrating safe driving behaviors. Our complete Progressive review covers this in more detail.

Cons

• Inconsistent Claims Feedback: Some Rhode Island customers report delays in claims resolution, particularly for at-fault accidents.
• Limited In-Person Service: Progressive operates mostly online in RI, which may be inconvenient for drivers who prefer local agent support.

#4 – Geico: Cheapest for Policy Variety

Pros

• Strong Government Discounts: Rhode Island residents who are federal employees or military can save up to 15% through exclusive Geico programs.
• Tech-Friendly Experience: Geico’s highly rated app helps RI drivers manage claims, billing, and ID cards with ease.
• Solid Financial Rating: Maintains an A++ rating, ensuring financial stability for Rhode Island policyholders. Learn more in our Geico auto insurance company review.

Cons

• Fewer Customizations: Offers fewer optional coverages in Rhode Island compared to Travelers or Progressive, such as no gap or rideshare coverage.
• Minimal Agent Presence: With only two staffed locations in Rhode Island, in-person service is limited for most residents.

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#5 – American Family: Cheapest for Claims Handling

Pros

• Loyalty Rewards: Offers up to 27% off in Rhode Island for long-term policyholders and legacy customers with family ties to the company.
• Teen Driver Savings: RI families can save up to 25% for students with good grades or those who enroll in the Teen Safe Driver Program.
• Personal Agent Support: As per our American Family review, it maintains several independent agents in Rhode Island for tailored policy and claims assistance.

Cons

• Higher Starting Prices: Minimum coverage in Rhode Island starts at $64/month, which is higher than many competitors.
• Mobile App Struggles: Some Rhode Island users report poor functionality and login issues with the American Family Insurance app.

#6 – Farmers: Cheapest for Specialized Endorsements

Pros

• Reliable Local Support: Rhode Island drivers can access in-person service through a strong network of licensed Farmers agents across the state.
• Multiple Discount Opportunities: Farmers offers savings in RI through bundling, safe driver, and professional group discounts—ideal for families insuring multiple vehicles.
• Solid Add-On Selection: Optional coverages in Rhode Island include accident forgiveness, customized equipment coverage, and new car replacement. Read our Farmers Insurance company review to learn more.

Cons

• Higher Monthly Rates: Starting premiums for basic coverage in Rhode Island average around $78/month, which is above competitors like State Farm and Geico.
• Basic Digital Tools: Rhode Island customers report that Farmers’ mobile app and website offer fewer features than tech-forward insurers like Progressive.

#7 – Allstate: Cheapest for Family Savings

Pros

• Comprehensive Policy Options: As per our Allstate auto insurance review, this company offers RI drivers strong add-ons like accident forgiveness, roadside assistance, and new car replacement.
• In-Person Guidance: With multiple agents throughout RI, drivers benefit from one-on-one policy consultations and local claims support.
• Broad Discount Availability: Rhode Islanders can qualify for savings through Drivewise®, safe driver programs, bundling, and responsible payment history.

Cons

• Higher Entry-Level Rates: Allstate’s starting premiums in Rhode Island begin around $80/month, which is higher than several competing providers.
• Mixed Claims Satisfaction: Some RI policyholders have noted long delays and follow-up requirements during claims processing.

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#8 – Nationwide: Cheapest for Road Assistance

Pros

• Vanishing Deductible Option: Rhode Island drivers can reduce their collision deductible over time with safe driving, lowering long-term out-of-pocket costs.
• Well-Rounded Coverage: Based on our Nationwide auto insurance review, this provider offers roadside assistance, gap insurance, and accident forgiveness as optional add-ons to policies in RI.
• Solid Multi-Policy Discounts: Rhode Island residents bundling home and auto can save significantly—often over 15% on combined premiums.

Cons

• Fewer In-State Offices: Rhode Island drivers may find it harder to access face-to-face service due to Nationwide’s limited agent presence.
• Strict Discount Eligibility: Some savings programs in RI require a clean driving record and multi-year policy history to qualify.

#9 – Liberty Mutual: Cheapest for Local Agents

Pros

• Highly Flexible Policies: In our Liberty Mutual company review, this company lets RI drivers customize policies with optional features like new car replacement, rental reimbursement, and gap insurance.
• Unique Discount Programs: Offers the RightTrack® program in RI, which monitors driving habits and can lead to up to 30% off for safe drivers.
• Digital Claims Tools: Rhode Island customers can submit claims and track progress through a well-rated mobile app and online portal.

Cons

• Higher Premium Averages: Minimum coverage in Rhode Island often starts around $100/month, which is significantly higher than regional competitors.
• Discount Variability: Discount availability in RI may depend on driving history, vehicle use, and ZIP code, limiting consistency across applicants.

#10 – Erie:  Cheapest for Affordable Options

Pros

• Stable Rate Lock Feature: Rhode Island drivers can keep the same rate year after year with Erie’s Rate Lock, unless they change vehicles, drivers, or address.
• Strong Customer Satisfaction: According to our Erie auto insurance review, this company consistently receives above-average ratings from RI customers for claims handling and support.
• Broad Coverage Options: RI policyholders can add diminishing deductibles, pet injury protection, and new car replacement to their plans.

Cons

• Limited Availability: Erie only operates in 12 states and D.C., so coverage is confined to specific areas of Rhode Island.
• Fewer Digital Tools: The company’s mobile experience is basic, and Rhode Island customers may need to manage claims through agents rather than online.

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Auto Insurance Costs in Rhode Island

If you’re searching for cheap auto insurance in Rhode Island, you’re in luck—our top 10 company picks deliver competitive monthly premiums and solid coverage options for drivers of all profiles. Whether you’re a new driver, a daily commuter, or someone with a less-than-perfect record, comparing auto insurance providers quotes is the key to finding the best deal.

The table below highlights the average monthly cost of both minimum and full coverage policies from top auto insurers in Rhode Island:

Auto Insurance Monthly Rates in Rhode Island by Coverage Level

As shown, State Farm offers the lowest average rates for both minimum and full coverage in Rhode Island, starting at just $32 per month.

On the other hand, insurers like Erie and Liberty Mutual tend to charge more, especially for full coverage. Your best option depends on your budget and how much financial protection you need.

Your auto insurance rate in Rhode Island depends on factors that affect your auto insurance premium. Insurers consider your age, gender, ZIP code, driving history, credit score, annual mileage, and the type of coverage you select.

Rates by Age and Gender 

Auto insurance rates in Rhode Island vary significantly based on age and gender. Young drivers, especially teen males, tend to pay the highest rates due to their higher statistical risk of accidents.

Full Coverage Auto Insurance Monthly Rates in Rhode Island by Age & Gender

Auto insurance companies offer lower rates for older drivers because increased experience reduces the likelihood of accidents and tickets—drivers aged 25 are statistically safer than those aged 16.

In Rhode Island, men—especially under 25—tend to pay more than women for auto insurance, though premiums often even out after age 35.

Cheapest Rates by ZIP Code

Your ZIP code plays a major role in your premium. Urban areas like Providence generally have higher accident rates and claim volumes, which can drive up insurance costs.

The cheapest ZIP code in Rhode Island is 02842, which is over twice as cheap as the most expensive ZIP code, 02907. Be sure to compare auto insurance rates by ZIP code to find the most affordable coverage in your area.

Read More: Cheap auto insurance rates.

Cheapest Rates by City

Now, let’s compare the cities in Rhode Island to each other. City-specific data gives even more insight. Here’s the table of how location affects rates across RI:

Full Coverage Auto Insurance Monthly Rates in Rhode Island by City

Providence is the largest city in Rhode Island, so auto insurance in Providence, RI, is the most expensive. In contrast, smaller towns like Westerly offer lower premiums due to fewer accidents and less congestion.

How Your Commute Affects Auto Insurance Rates

While some companies maintain flat rates regardless of mileage, others—like Geico and Liberty Mutual—charge noticeably more for long-distance drivers.

Full Coverage Car Insurance Monthly Rates in Rhode Island by Annual Mileage

Average car insurance costs in Rhode Island remain consistent regardless of commute distance for most companies. The Longer distance you commutes means higher rates with certain providers. If you work remotely or have a short drive, be sure to mention it when comparing quotes.

How Credit Score Affects Auto Insurance Rates

Insurance companies in Rhode Island legally use credit scores to determine premiums. Drivers with lower scores typically pay more due to perceived risk.

Full Coverage Auto Insurance Monthly Rates in Rhode Island by Credit Score

Maintain a good credit report to keep your auto insurance rates low; poor credit could cost you thousands more each year. A drop from “good” to “poor” credit can raise your premium by $50–$75/month in Rhode Island.

Read more: How Your Credit Score Affects Your Auto Insurance Premiums

Driving Record

Driving history is one of the most important factors in determining your premium in RI. A single speeding ticket or at-fault accident can spike your rates.

Full Coverage Auto Insurance Monthly Rates in Rhode Island by Driving Record

Drinking and driving not only leads to heavy fines but also significantly increases your insurance costs. Several key factors influence your auto insurance rates, including your driving record in RI, age, credit score, and location.

Coverage Options Offer in Rhode Island

When shopping for cheap auto insurance in Rhode Island, it’s important to understand the types of coverage available. While the state requires minimum liability insurance, additional options can help protect you from costly out-of-pocket expenses after an accident or unexpected event. Here are the most common auto insurance coverage types available from providers in Rhode Island:

• Liability Insurance: Covers bodily injury and property damage you cause to others in an at-fault accident (required by Rhode Island law).
• Collision Coverage: Pays for damage to your own vehicle after an accident, regardless of who is at fault.
• Comprehensive Coverage: Protects against non-collision incidents like theft, vandalism, and weather-related damage.
• Uninsured/Underinsured Motorist Coverage: Helps cover your costs if you’re hit by a driver with little or no insurance.
• Medical Payments (MedPay) Coverage: Covers medical expenses for you and your passengers, no matter who is at fault.

Having the right mix of auto insurance coverage options ensures you aren’t stuck paying out-of-pocket after an accident or theft. Whether you need basic liability to meet Rhode Island’s legal requirements or want added protection with full coverage, comparing these options will help you build a policy that fits your needs and budget.

Ways to Lower Your Auto Insurance Premium in Rhode Island

While Rhode Island does not currently offer a government-sponsored low-income auto insurance program, many drivers can still access affordable coverage by taking advantage of available discounts. Most top insurers in Rhode Island provide a variety of discount programs that can help reduce your monthly auto insurance bill:

• Homeowner’s Discount: Homeowners insurance discounts offer reduced rates to homeowners, as homeownership is viewed as a sign of financial stability and lower risk.
• Good Driver Discount: Maintaining a clean driving record—free of accidents, tickets, or DUIs—can earn you significant savings with most RI providers.
• Student Discount: Full-time students under 25 who maintain a “B” average or higher may be eligible for a good student discount.
• Multi-Car Discount: Multi-car discount insuring two or more vehicles under the same policy or with the same provider can lead to discounted premiums.
• Military Discount: Active-duty service members, veterans, and retirees may qualify for exclusive rates of military auto insurance.

These smart savings can significantly lower your auto insurance premiums. When getting quotes, always ask about all applicable discounts—even small savings on multiple factors can add up to big annual reductions.

Whether you’re switching providers or renewing your policy, it’s important to ask about every savings opportunity you may qualify for. The table below shows how much you can save with five common discounts from leading insurance companies in Rhode Island:

Auto Insurance Discounts in Rhode Island

Discount availability can vary based on your driving record, location, and eligibility. Always confirm the latest discount options directly with your Rhode Island insurance provider.

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Rhode Island Minimum Coverage Requirements

In Rhode Island, all drivers are legally required to carry minimum liability auto insurance, which includes $25,000 for bodily injury or death of one person, $50,000 for total bodily injury or death per accident, and $25,000 for property damage per accident.

These coverage limits ensure financial protection if you cause an accident, as Rhode Island is an at-fault state—meaning the driver who caused the crash is responsible for covering all damages. This system differs from the no-fault approach used in 12 other states, where each party’s insurer pays for their own damages regardless of fault.

Failing to carry the required coverage can result in increasing penalties for repeat offenses, including fines and license suspensions. While this liability-only option qualifies as cheap auto insurance in Rhode Island, it may not be enough to cover all expenses after a serious accident. For better protection, many drivers opt for higher limits or full coverage policies.

Penalties for Driving Without Insurance in Rhode Island

In Rhode Island, it is illegal to operate a vehicle without valid auto insurance, and doing so can lead to serious consequences. For a first offense, drivers may face a fine between $100 and $500 and a license suspension of up to three months.

Penalties for Driving Without Auto Insurance in Rhode Island

A second offense results in a $500 fine and a six-month suspension, while a third or subsequent offense can lead to a $1,000 fine and up to 12 months of license suspension.

Rhode Island drivers are required to carry a certain level of auto insurance, though opting for full coverage or adding comprehensive protection is often a smarter financial decision. Always check with your insurance provider to ensure you’re properly covered. In the event of an accident, acting quickly and filing a claim without delay can help avoid legal complications and ensure smoother resolution.

Rhode Island Auto Insurance Loss Ratios

When comparing insurance companies, it’s important to evaluate their loss ratios—a measure of how much a company pays in claims compared to how much it earns in premiums. A healthy loss ratio (typically between 50% and 90%) suggests the insurer pays out fairly without risking financial instability.

Rhode Island Auto Insurance Loss Ratios

Avoid auto insurance companies with loss ratios that are too low or too high. Choose companies with loss ratios between 50% and 90%. If your current rates are too high, consider switching to a provider with the most affordable pricing and coverage options.

Most Common Auto Insurance Claims in Rhode Island

Understanding the types of claims most frequently filed in Rhode Island can help you determine what coverage types are most important to include in your policy.

5 Most Common Auto Insurance Claims in Rhode Island

These types of accidents may seem minor but can result in notable repair expenses and premium increases if you’re found at fault. Additionally, More severe and costly claims include single-vehicle accidents (16% of all claims), averaging $4,900, and side-impact collisions at 12%, which tend to result in even higher costs—averaging $6,200 per incident.

Rhode IslandAccidents & Claims per Year by City

Vehicle theft, while less common at 7%, results in the highest average loss at $8,900, making comprehensive coverage a valuable addition for Rhode Island drivers looking for complete protection.

Read more: How To File An Auto Insurance Claim

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Essential Driving Laws That Affect Auto Insurance in Rhode Island

Rhode Island drivers should stay informed about the laws that directly impact auto insurance premiums. Everything from speeding and seat belt usage to DUI convictions and rideshare activity can influence your rates or coverage eligibility.

Below is a breakdown of critical traffic laws, local risks, and driving factors that insurance companies evaluate when calculating your policy costs.

Insurance providers look at broader state trends when setting rates. Here’s how Rhode Island stacks up in key auto insurance risk categories:

Rhode Island Report Card: Auto Insurance Premiums

If you live in a high-theft or high-accident ZIP code, you may pay more—ask your insurer about location-specific discounts or security-based savings (Learn More: Ultimate Road Safety Guide (How to Drive Safely).

Seat Belt and Child Safety Seat Laws

Rhode Island enforces primary seat belt laws, meaning law enforcement can stop and ticket you solely for not wearing a seat belt. Proper use of child restraint systems is also mandatory:

Seat Belt Laws in Rhode Island

Police don’t need another reason to stop you if you or a passenger aren’t buckled up. Adults aren’t the only ones who need to buckle up safely in the car. Children must be in the correct car seat at all times while riding in the car.

Read More: Safe Driving Guidelines

Speed Limit Laws in Rhode Island

Knowing the speed limits by road type helps you avoid costly violations. Even a minor speeding ticket can increase your premiums.

Speed Limit Laws in Rhode Island

Obeying the speed limit can help keep your auto insurance rates low. Practicing safe driving habits can also help prevent accidents and keep you and others on the road safe.

DUI Laws in Rhode Island

Rhode Island enforces strict penalties for impaired driving. In 2017, 34 alcohol-related traffic deaths were reported, prompting aggressive enforcement and severe legal consequences:

DUI Penalties for Rhode Island

As you can see, different punishments are depending on how many times you break the law and drink and drive. A DUI in Rhode Island almost always leads to SR-22 insurance, extremely high premiums, and limited coverage availability.

Read More: Car Insurance After A DUI

SR-22 Insurance Requirements in Rhode Island

SR-22 insurance, often referred to as high-risk auto insurance, is required by the Rhode Island DMV for drivers with serious violations such as DUIs, multiple tickets, or driving without insurance.

An SR-22 form is not a separate policy but a certificate your insurer files to confirm you meet the state’s minimum liability requirements. You may be required to carry SR-22 insurance if you were uninsured during an accident or failed a random insurance verification check.

While there are several SR-22 insurance companies in Rhode Island, not all providers accept high-risk drivers, and premiums are often significantly higher than standard coverage. If you’re classified as high-risk, it’s essential to compare quotes and look for insurers that specialize in affordable SR-22 auto insurance in Rhode Island.

Financial Ratings of Rhode Island Auto Insurance Companies

Evaluating an insurer’s financial strength is key when shopping for cheap auto insurance in Rhode Island, especially if you want reliable claims support. A.M. Best ratings assess a company’s ability to pay claims, and all major providers operating in Rhode Island.

Financial Ratings in Rhode Island

Loss ratios, which measure the percentage of premium income paid out in claims, should ideally fall between 50% and 100%; this range reflects balanced financial performance and customer support (Read more: Will my auto insurance cover other cars?).

All listed providers demonstrate solid financial footing and active participation in Rhode Island’s auto insurance market. See if you’re getting the best deal on car insurance by entering your ZIP code here.