Key Takeaways
- Bristol West and Progressive offer some of the cheapest car insurance in Rhode Island.
- The average cost of minimum coverage in Rhode Island is around $60 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Rhode Island.
You may find cheap car insurance in Rhode Island from insurers like Bristol West and Progressive. These companies were among the most affordable options in the state, according to real quotes for Jerry customers.
Here are recent cheap quotes in Rhode Island for minimum and full coverage, plus for a clean driving record, other driving violations and credit score.
To find the best car insurance in Rhode Island, compare car insurance quotes from multiple insurers.
Cheap liability car insurance in Rhode Island
Rhode Island motorists can meet state insurance standards cost-effectively with a basic liability-only plan. These policies provide financial protection if you’re found at fault in an accident that harms another person or damages their property. Without personal vehicle coverage, this option is best for those with less to lose in case of a crash.
Here are the most affordable auto insurance companies in Rhode Island for minimum coverage policies, according to real quotes for Jerry customers. Comparing rates across multiple companies can help Rhode Island drivers save while staying legal.
|
Insurance Company
|
Monthly Quote
|
Age
|
Date of Policy
|
|---|---|---|---|
| Progressive | $36 | 55 | April 21, 2025 |
| Progressive | $58 | 69 | April 17, 2025 |
| Progressive | $58 | 30 | April 22, 2025 |
| Progressive | $62 | 38 | January 3, 2025 |
| Progressive | $64 | 57 | November 14, 2024 |
Minimum car insurance requirements in Rhode Island
Rhode Island’s car insurance requirements are:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
Cheap full coverage car insurance in Rhode Island
Securing affordable full coverage auto insurance in Rhode Island requires balancing protection and price. Full coverage often bundles liability, collision and comprehensive coverage. These coverages safeguard against things like theft, storm damage, accidents, and more — ensuring you’re covered even when the unexpected happens. For vehicles that would be costly to repair or have a lease, this policy type is essential and sometimes required.
Below are the cheapest auto insurers in Rhode Island for full coverage, based on recent car insurance quotes for Jerry customers.
|
Insurance Company
|
Monthly Quote
|
Age
|
Date of Policy
|
|---|---|---|---|
| Progressive | $39 | 65 | January 10, 2025 |
| Progressive | $51 | 68 | December 27, 2024 |
| Progressive | $54 | 59 | January 22, 2025 |
| Progressive | $57 | 47 | June 25, 2025 |
| Progressive | $59 | 41 | April 27, 2025 |
If you have a loan or lease on your vehicle, the lender will require
Average car insurance costs for young drivers in Rhode Island
Young drivers in Rhode Island typically pay more for car insurance due to their lack of driving history and higher risk profile. Insurers apply age-related markups even in the absence of violations however, participating in driving education programs may help lower premiums for younger drivers.
Below are the average costs of car insurance in Rhode Island for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $775 | $9,298 |
| 21-24 | $367 | $4,406 |
More: Cheap car insurance for students
Average auto insurance costs for mature drivers in Rhode Island (25-54)
Drivers with years of experience are seen as safer and more predictable by insurance companies since a clean driving record over time reduces uncertainty. Their reliability is viewed as a key asset in risk evaluation that translates into more attractive rates.
Below are the average costs of car insurance for drivers in Rhode Island between the ages of 25 to 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $254 | $3,052 |
| 35-44 | $255 | $3,064 |
| 45-54 | $231 | $2,767 |
Average car insurance costs for older drivers in Rhode Island (55+)
Older drivers in Rhode Island may see insurance premiums tick upward as vision and flexibility decline with age. Insurers aim to stay ahead of rising claims by factoring in age-based variables and these changes represent caution more than criticism of one’s driving record.
Below are the average costs of car insurance for drivers in Rhode Island 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $163 | $1,961 |
| 65+ | $152 | $1,823 |
Cheapest car insurance in Rhode Island by driving history
Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket, at-fault accident or other citation.
Cheap car insurance for drivers with clean records in Rhode Island
Rhode Island drivers with clean records are often eligible for cheaper insurance quotes. A spotless record signals consistent responsibility and insurers take this into account when offering policy options and rates.
Below are the cheapest auto insurers in Rhode Island for drivers with clean driving records.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Embark General | $237 | $2,848 |
| Progressive | $249 | $2,986 |
| Bristol West | $254 | $3,053 |
| National General | $284 | $3,413 |
Average auto insurance costs for Rhode Island drivers with other violations
Other violations in Rhode Island, like failing to yield or improper merging, add to your risk profile. These behaviors are seen as signs of carelessness and insurers use them to predict future claims.
Below are average car insurance costs in Rhode Island for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Driving on Sus. License | $328 | $3,933 |
| Failure to Obey Traffic Sign | $183 | $2,200 |
| Improper Passing | $483 | $5,798 |
Cheapest auto insurance for low credit scores in Rhode Island
You’ll likely pay more for auto insurance if you have a low credit score. That’s because insurers in Rhode Island use credit as a factor in car insurance rate calculations — and drivers with low scores have been shown to be more likely to file a car insurance claim.
Here are the cheapest auto insurance companies in Rhode Island for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bristol West | $246 | $2,956 |
| Progressive | $284 | $3,405 |
| National General | $284 | $3,413 |
| Embark General | $389 | $4,667 |
Learn more: How a credit-based insurance score works
How to find cheap car insurance in Rhode Island
Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.
You can also try these tips to lower your auto insurance costs:
- Ask your insurer about discounts you qualify for.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
Learn more: Best car insurance companies
Factors that affect car insurance costs in Rhode Island
How much you pay for coverage depends on a variety of factors, including your:
- ZIP code.
- Driving history.
- Vehicle’s year, make, and model.
- Claims history.
- Car usage and miles driven.
- Deductible amount.
Learn more: How car insurance rates are calculated
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
