Jerry works with 4 different insurance companies in the Ocean State, and this year alone we’ve helped 3,488 Rhode Island drivers get competitive quotes and switch their coverage.
We understand that every driver has different needs, and since we’ve helped thousands of RI drivers just like you, we understand what’s important. We can show you real choices made by real people, and how other drivers in your state are choosing their top car insurance coverage.
Here’s what we’ve noticed:
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Progressive is the single most-chosen insurer among Jerry customers in Rhode Island.
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GEICO and Liberty Mutual come in second and third place, with about half of the total market share.
The takeaway is simple: there’s no one “best” company for everyone. But there is a best fit for you, based on your driving profile, coverage needs and risk tolerance.
Recent quotes in Rhode Island
Quick picks: Best Rhode Island car insurance by driver profile
Here are the categories we chose when selecting our best insurance companies for Rhode Island drivers, and why. Use this as a starting point, then let Jerry personalize the results for your exact details.
Select your driver type
| Driver category | Most popular in RI |
|---|---|
| Most drivers | Progressive, GEICO, Liberty Mutual |
| Homeowners who bundle | Progressive, GEICO, Liberty Mutual |
| Budget-focused drivers | Progressive, GEICO, Liberty Mutual |
| Families with teen drivers | Progressive |
| College students | Progressive, GEICO, Liberty Mutual |
| Drivers with violations | Progressive, GEICO, Liberty Mutual |
| Military drivers | USAA, GEICO, Armed Forces Insurance |
| Senior drivers | Progressive, Liberty Mutual |
Jerry pulls up to 20 quotes from top rated carriers.
How Jerry helps Rhode Island drivers find their best insurance
Jerry isn’t a price-only ranking tool. For Rhode Island drivers, we focus on the coverage that actually holds up when you need it:
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Use real data from 3,488 recent Rhode Island quotes to best compare your coverage options.
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Analyze 4 top insurers against our quality criteria and your specific needs.
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Show you highly-rated options that balance coverage, claims and cost.
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Explain why each option makes sense for your situation.
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Handle all the paperwork — including cancellation and refund requests — and help you switch, so you never have a coverage gap.
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Continue monitoring market rates so you always know when it’s time to shop for better pricing.
What does that mean for RI drivers? Savings of up to $93 per month and high satisfaction rates among drivers who switch with Jerry.
Bottom line: You answer a few quick questions, we do the comparison work and you get coverage you can feel good about in minutes.
Best car insurance for most RI drivers
Rhode Island drivers have many different insurance companies to choose from when shopping for coverage through Jerry. Each carrier brings a different mix of coverages, features, benefits and pricing to the table, so customers can compare real options and land on the best balance of price and protection.
Most popular insurers in Rhode Island
Based on the most frequently chosen carriers by Jerry customers in this state. Customer rating based on average rating by Jerry customers in this state.
In general, good drivers in Rhode Island are looking for full coverage at a fair price with strong claims support if and when they need it. For this category of drivers, three companies consistently stand out as customer favorites: Progressive, GEICO and Liberty Mutual. Jerry can help you compare them (and more) side-by-side in just minutes, so you can see which one truly fits your needs.
Here’s a look at what they each offer and why customers say they’re a top pick.
1. Progressive
4.6
Jerry Score
No
Customer Rating
62%
of Jerry drivers in RI chose this insurer
Recent quotes for RI drivers
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.
The Jerry score is based on claims experience, financial strength, quality of coverage, product availability, customer satisfaction and value for money. The customer rating is based on average rating by Jerry customers in the past 12 months.
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Why we recommend Progressive
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Competitive rates for many driver profiles, especially when comparing full coverage.
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Easy online and app-based payments, policy management, and claims filing.
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Solid coverage choices for drivers who want more control over deductibles and add-ons.
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Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.
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2. GEICO
4.6
Jerry Score
No
Customer Rating
31%
of Jerry drivers in RI chose this insurer
Recent quotes for RI drivers
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.
The Jerry score is based on claims experience, financial strength, quality of coverage, product availability, customer satisfaction and value for money. The customer rating is based on average rating by Jerry customers in the past 12 months.
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Why we recommend GEICO
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Simple policy management and claims filing via web and app.
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Strong full-coverage rates for many Rhode Island driver profiles.
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Snapshot® offers ongoing discounts for safe driving over time.
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Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.
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3. Liberty Mutual
4.2
Jerry Score
No
Customer Rating
8%
of Jerry drivers in RI chose this insurer
Recent quotes for RI drivers
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.
The Jerry score is based on claims experience, financial strength, quality of coverage, product availability, customer satisfaction and value for money. The customer rating is based on average rating by Jerry customers in the past 12 months.
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Why we recommend Liberty Mutual
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App and online tools support quoting, payments, documents and claim updates in one place.
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Better Car Replacement helps drivers avoid a basic “same car, same year” replacement approach after a total loss.
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Bundling supports keeping auto with home, renters or umbrella under one carrier.
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Liberty Mutual drivers who switched with Jerry say this carrier excels at competitive pricing, but the mobile app also gets a strong nod.
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Get RI quotes in as little as 2 minutes.
Best RI car insurance for bundling home and auto
Homeownership comes with enough surprises already. The right auto policy should do the opposite, providing financial protection for your household when accidents happen and bills get messy. That’s one reason many homeowners consider bundling auto and home insurance, which can simplify what you manage and open up discounts.
Even if you keep home and auto with different insurers, though, homeownership may still earn you benefits. Some carriers reward it with special discounts or higher coverage limits that better suit homeowner needs. In Rhode Island, Jerry sees most home-owning customers choosing Progressive, GEICO and Liberty Mutual for their auto coverage, with or without bundling those policies.
Here’s what each top carrier offers and why Jerry customers pick them most often.
1. Progressive
4.6
Jerry Score
4.7
Customer Rating
71%
of Jerry drivers in RI chose this insurer
Recent quotes for homeowners
Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
The Jerry score is based on claims experience, financial strength, quality of coverage, product availability, customer satisfaction and value for money. The customer rating is based on average rating by Jerry customers that are homeowners in the past 12 months.
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Why we recommend Progressive
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Dedicated legal and claims teams built to handle major accidents and lawsuits.
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High liability and umbrella offerings that align easily with homeowners policies.
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Long track record with complex coverage needs for high-asset, high-net-worth households.
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Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.
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2. GEICO
4.6
Jerry Score
4.7
Customer Rating
24%
of Jerry drivers in RI chose this insurer
Recent quotes for homeowners
Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
The Jerry score is based on claims experience, financial strength, quality of coverage, product availability, customer satisfaction and value for money. The customer rating is based on average rating by Jerry customers that are homeowners in the past 12 months.
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Why we recommend GEICO
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Multi-policy discounts available for auto and home, renters or condo.
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Top-rated app for payments, ID cards, vehicle changes and claims.
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Strong A++ AM Best financial strength rating.
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Customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.
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3. Liberty Mutual
4.2
Jerry Score
5.0
Customer Rating
8%
of Jerry drivers in RI chose this insurer
Recent quotes for homeowners
Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
The Jerry score is based on claims experience, financial strength, quality of coverage, product availability, customer satisfaction and value for money. The customer rating is based on average rating by Jerry customers that are homeowners in the past 12 months.
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Why we recommend Liberty Mutual
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Liability-forward options help households choose stronger protection, not just minimum coverage.
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Robust repair network access speeds up repairs and reduces repair coordination stress.
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Rental and roadside options keep the household moving after a covered loss.
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Liberty Mutual drivers who switched with Jerry say this carrier excels at competitive pricing, but the mobile app also gets a strong nod.
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Jerry helps you bundle home and auto for less in just minutes.
Best value for budget-focused RI drivers
If you’re watching your monthly cost but refuse to trim your coverage, our data show that Progressive, GEICO and Liberty Mutual often deliver the strongest value for Rhode Island drivers. This doesn’t necessarily mean the cheapest car insurance in Rhode Island, but rather the best balance of price and protection.
Over the past 12 months, Jerry has helped 295 Rhode Island drivers find coverage under $100/month, without dropping to bare-minimum limits.
Here’s a look at what each top carrier offers and why customers say they’re a top pick.
1. Progressive
4.6
Jerry Score
4.7
Customer Rating
68%
of Jerry drivers in RI chose this insurer
Recent price-friendly 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.
The Jerry score is based on claims experience, financial strength, quality of coverage, product availability, customer satisfaction and value for money. The customer rating is based on average rating by Jerry customers with below-average credit profiles in the past 12 months.
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Why we recommend Progressive
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Budget-friendly quotes for many driver profiles, including minimum coverage shoppers.
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Lots of discount paths like multi-car, bundling, safe driver and continuous coverage.
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Strong self-serve experience for policy changes and claims in the app.
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Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.
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2. GEICO
4.6
Jerry Score
4.7
Customer Rating
29%
of Jerry drivers in RI chose this insurer
Recent price-friendly 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.
The Jerry score is based on claims experience, financial strength, quality of coverage, product availability, customer satisfaction and value for money. The customer rating is based on average rating by Jerry customers with below-average credit profiles in the past 12 months.
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Why we recommend GEICO
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DriveEasy usage-based program through the mobile app, savings potential varies by state and results.
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Multi-vehicle and multi-policy discounts to stack savings.
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Optional roadside assistance coverage to help manage towing and lockout costs.
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Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.
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3. Liberty Mutual
4.2
Jerry Score
5.0
Customer Rating
5%
of Jerry drivers in RI chose this insurer
Recent price-friendly 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.
The Jerry score is based on claims experience, financial strength, quality of coverage, product availability, customer satisfaction and value for money. The customer rating is based on average rating by Jerry customers with below-average credit profiles in the past 12 months.
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Why we recommend Liberty Mutual
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RightTrack means careful drivers earn savings through real driving behavior.
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Drivers control premiums through various deductible choices, without stripping core coverage.
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Digital tools help drivers handle payments and documents quickly.
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Liberty Mutual drivers who switched with Jerry say this carrier excels at competitive pricing, but the mobile app also gets a strong nod.
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Jerry helps you save on car insurance fast.
Best car insurance for RI families with teen drivers
If you’re adding a teen driver in Rhode Island, brace yourself for sticker shock. Even families with strong credit, a clean claims history, and safe vehicles can see a sudden premium jump once a new driver hits the policy. What matters most is finding a carrier that prices teen risk reasonably for your household, not just accepting the default renewal. Jerry has helped 67 RI families with teen drivers save an average of $1,658 annually, most often with Progressive.
1. Progressive
4.6
Jerry Score
4.7
Customer Rating
100%
of Jerry drivers in RI chose this insurer
Recent teen driver quotes
Based on Jerry customers with clean driving records and a teen on their policy, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
The Jerry score is based on claims experience, financial strength, quality of coverage, product availability, customer satisfaction and value for money. The customer rating is based on average rating by Jerry customers that have children of driving age in the past 12 months.
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Why we recommend Progressive
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If your policy covers multiple vehicles, a listed teen is typically covered driving any vehicle on that policy.
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Snapshot telematics tracks factors like hard braking, rapid acceleration, time of day and miles driven.
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Deductible Savings Bank can reduce comp or collision deductibles each claim-free policy period while enrolled.
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Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.
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Best car insurance for RI college students
College can turn a “set it and forget it” policy into a moving target. A driver might change addresses, drive fewer miles, or keep a car on campus for part of the year and at home for the rest. If your policy doesn’t keep up, you can end up overpaying, underprotected or both.
Jerry has helped 412 college students in Rhode Island find affordable coverage that still protects them whether they’re on or off campus, driving home for the summer or something in between. Progressive, GEICO and Liberty Mutual are the top choices for Jerry college students in this state. Here’s what each carrier offers and why it stands out.
1. Progressive
4.6
Jerry Score
4.7
Customer Rating
60%
of Jerry drivers in RI chose this insurer
Recent college driver quotes
Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
The Jerry score is based on claims experience, financial strength, quality of coverage, product availability, customer satisfaction and value for money. The customer rating is based on average rating by Jerry customers ages 17-24 in the past 12 months.
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Why we recommend Progressive
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Accident forgiveness options for small and large claims, depending on driver tenure.
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Deductible Savings Bank can reduce comp or collision deductibles each claim-free policy period while enrolled.
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Many discounts and programs built for multi-driver households.
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Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.
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2. GEICO
4.6
Jerry Score
4.6
Customer Rating
31%
of Jerry drivers in RI chose this insurer
Recent college driver quotes
Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
The Jerry score is based on claims experience, financial strength, quality of coverage, product availability, customer satisfaction and value for money. The customer rating is based on average rating by Jerry customers ages 17-24 in the past 12 months.
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Why we recommend GEICO
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Top-rated app for payments, ID cards and claims tracking.
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Driver education and defensive driving discounts available.
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Claim Forgiveness can be used by any drivers on the policy.
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Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.
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3. Liberty Mutual
4.2
Jerry Score
5.0
Customer Rating
9%
of Jerry drivers in RI chose this insurer
Recent college driver quotes
Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
The Jerry score is based on claims experience, financial strength, quality of coverage, product availability, customer satisfaction and value for money. The customer rating is based on average rating by Jerry customers ages 17-24 in the past 12 months.
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Why we recommend Liberty Mutual
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Parents can coordinate multiple policies (like auto and home coverage) more easily with single-carrier setup.
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RightTrack helps reward steady driving habits over time.
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Rental and roadside add-ons make life easier after a breakdown or covered loss.
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Liberty Mutual drivers who switched with Jerry say this carrier excels at competitive pricing, but the mobile app also gets a strong nod.
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Fast track your RI insurance with Jerry.
Best RI car insurance for drivers with violations
If you’ve got a ticket, at-fault accident or DUI, you’ve probably already felt the insurance penalty. Insurers often treat violations as an instant high-risk label, which can drive up premiums and shrink your coverage choices. But high-risk doesn’t mean “no good options.”
Jerry has helped 1,194 Rhode Island drivers with violations find coverage this past year at affordable prices, and we keep an eye on your rates so you’ll know when it makes sense to shop again after violations fall off your record and you can potentially save even more.
For many Jerry drivers with violations, the most common coverage wins come from Progressive, GEICO and Liberty Mutual — carriers that tend to be more open to Rhode Island drivers with dings on their record.
1. Progressive
4.6
Jerry Score
4.7
Customer Rating
80%
of Jerry drivers in RI chose this insurer
Recent quotes post-violation
Based on Jerry customers with one or more accidents and violations on their records who found savings in the past 18 months. Savings depend on coverage and other factors. Potential savings will vary.
The Jerry score is based on claims experience, financial strength, quality of coverage, product availability, customer satisfaction and value for money. The customer rating is based on average rating by Jerry customers with violations in the past 12 months.
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Why we recommend Progressive
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SR-22 support for DUIs, repeat tickets and reinstatement needs.
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Optional add-on accident forgiveness for an eligible accident per policy period.
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Snapshot can reflect current driving behavior, discounts vary by state.
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Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.
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2. GEICO
4.6
Jerry Score
4.7
Customer Rating
19%
of Jerry drivers in RI chose this insurer
The Jerry score is based on claims experience, financial strength, quality of coverage, product availability, customer satisfaction and value for money. The customer rating is based on average rating by Jerry customers with violations in the past 12 months.
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Why we recommend GEICO
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Non-owner SR-22 option for proof of insurance without owning a car.
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DriveEasy enrollment rules vary and may require all drivers on the policy.
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Claim Forgiveness available in select states for a first qualifying loss.
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Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.
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3. Liberty Mutual
4.2
Jerry Score
4.0
Customer Rating
7%
of Jerry drivers in RI chose this insurer
The Jerry score is based on claims experience, financial strength, quality of coverage, product availability, customer satisfaction and value for money. The customer rating is based on average rating by Jerry customers with violations in the past 12 months.
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Why we recommend Liberty Mutual
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Deductible and add-on controls help drivers shape cost without relying only on discounts.
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Repair network coordination reduces friction after a claim.
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Proof-of-insurance needs are easily met with digital documents and ID cards.
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Liberty Mutual drivers who switched with Jerry say this carrier excels at competitive pricing, but the mobile app also gets a strong nod.
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Car insurance options for RI military families
Active-duty, reserve, guard or veteran, military life can change your driving patterns fast, from long stretches off the road to sudden moves across state lines. Jerry has helped Rhode Island military families find coverage that works for deployments, PCS moves and the in-between months.
If you qualify for military-focused insurers, start there. Then widen the search, many standard insurers also offer strong military discounts and flexible policy options, and Jerry can compare them for you.
Here’s how to think about your options.
Option A: Military-only insurers to check directly
Some insurers are built specifically for military members and their families, including USAA, Navy Federal, Armed Forces Insurance and similar providers.
If you’re eligible, they belong on your short list. They’re designed around deployments, PCS orders and frequent moves, and often offer storage or reduced-use options when a car sits on base or at home during deployment. Their service teams also tend to understand military pay, orders and timelines in a way civilian-focused insurers sometimes don’t.
Because of how these insurers operate, Jerry can’t always show live quotes or internal ratings for them. If you qualify, the smart move is to:
1. Use Jerry to see how strong your options are with standard insurers, then
2. Get a direct quote from one or more military-only insurers and compare.
That way, you’re not guessing. You’re benchmarking their offer against real market pricing.
Option B: Standard insurers with strong military benefits (that Jerry can quote)
Beyond military-only insurers, some national carriers offer military discounts, handle deployments and cross-state moves smoothly and plug directly into Jerry’s quoting and switching experience.
For many RI military families, GEICO, State Farm and Progressive show up often.
1. GEICO
Best for: Discounts plus flexible coverage during deployments
Why it often works well for service members:
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Military discounts and options to scale coverage when driving drops.
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24/7 support for OCONUS time zones and uneven schedules.
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App-first access to policy docs, proof of insurance, claims and quick updates.
2. State Farm
Best for: PCS moves and consistent local support
Why it often works well:
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A huge agent footprint for continuity when you move.
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Plenty of nearby agents in military-heavy areas.
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Easy bundling when you add home or condo coverage.
3. Progressive
Best for: Frequent updates and self-serve changes
Why it could be a good fit:
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Competitive rates across a wide set of situations, including movers.
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Strong digital tools for address, mileage and garaging changes.
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Add-ons like rental and roadside for support away from home.
Jerry can’t claim to “rank” USAA or Navy Federal against these carriers, but we can quickly show how GEICO, State Farm, Progressive and other standard insurers price your specific situation in Rhode Island.
Get personalized car insurance rates now.
Best car insurance for senior drivers in Rhode Island
If you’ve been driving for decades, you’ve earned the right to expect more from your insurer. Many Rhode Island drivers over 65 want predictable coverage, responsive service, and a carrier that doesn’t nickel-and-dime them. Jerry often recommends Progressive, Liberty Mutual and for that reason.
In the last 12 months, we’ve helped 195 Rhode Island seniors find coverage designed around how they actually drive now, not assumptions.
1. Progressive
4.6
Jerry Score
4.8
Customer Rating
86%
of Jerry drivers in RI chose this insurer
Recent senior driver quotes
Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
The Jerry score is based on claims experience, financial strength, quality of coverage, product availability, customer satisfaction and value for money. The customer rating is based on average rating by Jerry customers age 65+ in the past 12 months.
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Why we recommend Progressive
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Roadside assistance option for towing, lockouts, flat tires and fuel delivery.
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Defensive driving course discount in states where it applies.
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Large Accident Forgiveness after 5 years with an accident-free and violation-free period in most states.
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Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.
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2. Liberty Mutual
4.2
Jerry Score
5.0
Customer Rating
14%
of Jerry drivers in RI chose this insurer
Recent senior driver quotes
Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
The Jerry score is based on claims experience, financial strength, quality of coverage, product availability, customer satisfaction and value for money. The customer rating is based on average rating by Jerry customers age 65+ in the past 12 months.
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Why we recommend Liberty Mutual
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Deductible and coverage controls help seniors align premium with a fixed budget.
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Simplify the repair process after a claim with a robust repair network.
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Roadside support helps add peace of mind for errands and trips.
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Liberty Mutual drivers who switched with Jerry say this carrier excels at competitive pricing, but the mobile app also gets a strong nod.
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See coverage options for your car.
How Jerry picks the best insurers in Rhode Island
Most sites just sort companies by price. Jerry does more.
No one wants to overpay for insurance, but Jerry knows that other factors matter, too. We use our own proprietary Jerry Score to grade each insurance company. Built from real Rhode Island driver data, this score evaluates insurers on:
Customer satisfaction
What customers say after they’ve filed a claim or made changes, not just when they first buy.
Value for your money
The best balance of price and protection, not just the lowest premium on the page.
Claims experience
How quickly and fairly claims get paid, especially after real crashes and storm damage.
Financial strength
Whether the company has the backing to pay out when major events hit.
Quality of coverage
How easy it is to get high liability limits, comprehensive and collision, and useful add-ons like rental reimbursement and roadside.
Product availability
Where coverage is offered, the protections available and what sort of add-ons customers can choose from to truly customize their policy.
What does all of this mean for you? Jerry options are tailored to how you actually drive and what you own, so you can make the best possible and most informed decision when shopping for coverage in Rhode Island.
Drivers who switch with Jerry save an average of $54/mo on car 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.
