Compare car insurance quotes in Rhode Island
Jerry is a free app trusted by 4,143 Rhode Island drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Average Rhode Island car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $382 a month for full coverage. But in Rhode Island, Jerry drivers pay:
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$92 to $201 per month for state-mandated minimum coverage.
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$203 to $416 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often get even lower rates. Over the last 12 months, Jerry has helped Rhode Islanders save an average of $968 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Does it sound too time consuming? Jerry can help! Think us as your proactive assistant. We help you compare offers side-by-side and lock in your Rhode Island car insurance in under 10 minutes directly in the app. The app is free, and we protect your privacy by never selling your info or spamming you with calls. If you ever need extra help, our licensed agents are just a tap away.
Just remember that your final quote will depend on personal factors like your driving record, your type of car and where in Rhode Island you live. Here are some full coverage rates that Jerry drivers in Rhode Island have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
One of the best ways to save on home insurance in Rhode Island is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Rhode Island drivers are paying with Jerry
Checking rates with several insurers is the simplest way to land the right coverage, whether you want to tailor a policy from scratch, mirror what you have now or just lock in the cheapest car insurance in Rhode Island that you can find.
Jerry helps you compare quotes from up to 4 trusted insurers in the Ocean State, so you can see what’s out there and what you should be paying.
Below are some of the latest quotes Jerry has pulled for Rhode Island drivers at different coverage levels, plus how much each driver saved.
Recent quotes in Rhode Island
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Rhode Island car insurance coverage requirements
Drivers in Rhode Island are legally required to carry liability insurance coverage. State minimum requirements include:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$25,000 in property damage liability per accident.
While this is the minimum insurance you need to get behind the wheel in Rhode Island, most Jerry drivers choose to buy higher liability limits, comprehensive and collision coverage. Considering that over 12% of Rhode Island drivers are uninsured, buying uninsured/underinsured motorist (UIM) protection is also recommended.
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Coverage definitions
Factors affecting Rhode Island car insurance rates in 2026
Coastal storms and flooding
Nor’easters and coastal storms can bring heavy rain, high winds, and localized flooding that damage vehicles even when they’re parked. Comprehensive coverage is typically what applies to storm-related, non-collision damage.
Traffic density on major corridors
Routes like I-95 and the approaches around Providence can get crowded fast, with lots of merging and stop-and-go driving. More congestion usually means more fender benders, which is where collision coverage becomes especially valuable.
Winter weather and black ice
Snow, sleet, and quick temperature swings can leave roads slick with little warning, especially on bridges and ramps. A collision deductible you can comfortably afford makes it easier to use your coverage when winter driving turns into a claim.
Repair costs in the Northeast
Even minor accidents can be expensive once you factor in labor rates, parts pricing, and the complexity of modern vehicles. Higher repair costs can translate into higher premiums, even for careful drivers.
Theft, break-ins, and vandalism exposure
In higher-density areas and busy parking zones, theft and vandalism can be a real factor. Comprehensive coverage typically covers theft-related losses, and practical steps like parking in well-lit areas and keeping valuables out of sight can reduce your risk.
Cross-border commuting and higher mileage exposure
Many drivers regularly cross into Massachusetts or Connecticut for work, which can mean more miles, more time in traffic, and more exposure to accidents. If you’re a frequent commuter, consistently safe driving habits can matter as much as coverage choices.
Average cost of car insurance in major Rhode Island cities
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City
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Average monthly cost
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|---|
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City
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Average monthly cost
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|---|---|
| $379 | |
| $294 | |
| $287 | |
| $263 | |
| $205 | |
| $329 | |
| $261 | |
| $298 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Rhode Island quotes in as little as 2 minutes.
Learn more about driving in Rhode Island
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
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Learn about uninsured motorist coverage and why it matters.
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Discover how to get the best car insurance discounts.
FAQ
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Is Rhode Island an at-fault insurance state?
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Does Rhode Island allow electronic proof of insurance?
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.