Good news for Rhode Island drivers: Jerry’s latest data shows that liability coverage in the Ocean State averages about $327 per month. Rates here run higher than in many states because Rhode Island has dense traffic, some of the country’s costliest accident claims per capita and a long history of above-average repair costs. Over the past year, we’ve helped 861 RhodeIslanders unlock lower prices, and those who switch with Jerry save an average of $85 per year without giving up important coverage.
Jerry compares quotes from up to 1 trusted insurers in Rhode Island to help you build a policy and secure your best rate in minutes.
Save on Rhode Island insurance with Jerry
What Rhode Island drivers are paying right now
Car insurance in Rhode Island shifts quickly. High medical claim costs, tight city driving in Providence, limited rural mileage and severe congestion on I-95 all play into what you pay. Even drivers with identical profiles can see very different premiums depending on their ZIP code, commute time and recent claim activity in their area.
Jerry tracks real-time quotes statewide to show you what drivers are actually paying today. Below are recent full coverage policies purchased in Rhode Island through Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Check your rate periodically. In Rhode Island, everything from seasonal claim spikes to rising repair costs can shift your renewal price.
4 smart ways Jerry helps Rhode Island drivers save on car insurance
Finding the cheapest number on a page isn’t the real win. True savings come from understanding which levers actually move your Rhode Island rate and adjusting only what you can change without losing meaningful protection.
Jerry does the heavy lifting by comparing real quotes, uncovering discounts you might miss and showing you exactly where savings are hiding.
Here are our top tips to help you spend less and worry less.
| How to save | Average Rhode Island driver savings |
|---|---|
| Compare quotes | 25% to 41% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Use telematics | 6%* |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Rhode Island may be small, but its insurance pricing is anything but simple. Dense urban traffic, high accident severity, expensive repairs and some of the highest medical costs per claim in the region all push premiums upward, and insurers weigh those risks very differently.
Comparing rates side by side through Jerry is the fastest way to ensure you’re not overpaying.
Here’s where Rhode Island drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | Rhode Island drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 29% | 31% |
| Root | 10% | 28% |
| Bristol West | 8% | 27% |
| National General | 7% | 30% |
| Assurance America | 6% | 28% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Two drivers living just a few miles apart can see entirely different premiums thanks to claim frequency and traffic density. Jerry identifies those pricing gaps instantly.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Rhode Island drivers qualify for multiple discounts, from safe-driver incentives to bundling home and auto to savings for anti-theft devices (especially worthwhile given the state’s rising theft trends). But carriers don’t always apply every discount automatically.
Jerry finds the savings you qualify for so you don’t leave money behind.
Key takeaway: Stacked discounts often outperform raising your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Your deductible can significantly shift your premium. Rhode Island drivers deal with coastal storms, tight parking environments, heavy commuting traffic and high body shop costs — all reasons to choose a deductible you can comfortably afford if a claim hits.
Here’s what Jerry drivers are choosing for their deductibles:
To find your best deductible:
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Review your car’s value (Jerry updates it monthly).
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Choose an out-of-pocket number you can actually handle.
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Compare how each deductible option changes your rate instant.
The Jerry difference: See real-time pricing across multiple deductible levels so you can find the optimal balance of cost and protection.
Jerry Agent Tip 4: Keep a clean driving record
Telematics programs reward your actual driving habits instead of relying solely on generalized risk factors. This means looking at things like mileage, braking, acceleration and driving hours. Rhode Island drivers can especially benefit from telematics, since dense commuting, short trips and varied driving patterns mean insurers sometimes overestimate risk.
Jerry’s DriveShield helps you get credit for how you really drive. It monitors your habits, scores your performance and automatically shops for lower rates when you qualify. We only share your score with insurers if it can earn you a discount, and Jerry drivers save an average of 6% with telematics.
Get personalized car insurance rates now
How to get better coverage without overpaying
Rhode Island requires every driver to carry 25/50/25 liability and uninsured/underinsured motorist (UM/UIM) protection. But just buying the minimum doesn’t provide enough peace of mind for many drivers.
Here’s how coverage tiers break down when you shop:
Minimum
$87 – $188/mo
Meets state liability and UM/UIM requirements, but doesn’t cover your own car.
Full
$146 – $308/mo
Adds collision and comprehensive, usually required for financed or leased vehicles.
Preferred
$235 – $504/mo
Higher liability limits, lower deductibles and extras like towing or rental coverage mean.
Key takeaway: Start with your comfort around risk, where you drive and what your vehicle is worth. Jerry shows real-time pricing across all coverage tiers so you can choose confidently.
The cheapest policy in Rhode Island is liability plus required PIP and UM, but adding collision or comprehensive is often worth it given the state’s theft rates, dense traffic and weather-related claims.
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Coverage definitions
Rhode Island insurance factors at a glance
Insurance costs in Rhode Island reflect real-world risk, from congested city driving to rural wildlife collisions. Here’s what matters most and how to stay protected.
No-fault PIP system
Medical claims drive up premiums, especially in NYC and Long Island.
High traffic density
Urban areas see more crashes and higher repair costs, for which you’ll need collision coverage.
Theft risk
Certain models in NYC rank nationally for theft, making comprehensive coverage valuable.
Weather exposure
Upstate ice storms and lake-effect snow increase collision frequency.
Rhode Island Insurance After a Ticket, Accident or SR-22
Jerry makes sure one mistake doesn’t define your rate for years. We work with insurers that consider your entire profile, then re-shop automatically as your record improves.
If you got a ticket
Rhode Island uses a point system, and accumulating too many points in a short period can lead to surcharges or license suspensions. A single ticket can significantly increase your premium, though state-approved defensive driving courses may reduce points.
Jerry monitors your record and shops for lower rates once the violation clears.
Here are the average rate increases we’ve seen for Rhode Island drivers after a ticket:
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Speeding under 15: 5%
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Speeding over 15: 10%
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Failure to obey traffic sign: 8%
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Reckless driving: 60%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Rhode Island is a no-fault state for medical expenses but still uses an at-fault model for property damage. An at-fault property damage accident raises premiums by -1% onaverage and typically stays on record for three to five years.
Jerry finds your best available rate now and re-shops your policy once the accident drops off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $398 |
| At Fault With No Injury | $439 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
Rhode Island imposes some of the strictest DUI penalties in the country, and insurance increases reflect that. A DUI typically raises premiums by 1%, with elevated rates lasting several years.
Some insurers still offer competitive high-risk pricing, though. Jerry identifies those carriers and continually re-shops as your record improves.
Here are the five cheapest insurers for Rhode Island drivers with a DUI:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $329 | Yes | |
| $398 | ||
| $439 | ||
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Rhode Island
An SR-22 certificate may be required if you’re convicted of certain moving violations, have insurance coverage lapses or are involved in an accident while uninsured.
If you’re required to have a certificate, just check the SR-22 box in the Jerry app and we’ll only show insurers that file them. Some of these carriers charge an additional fee to file the SR-22 certificate for you, which averages about $25 per year.
Car Insurance with Bad Credit
Rhode Island allows insurers to use credit-based insurance scores when setting auto rates, which means your credit history can influence what you pay. It’s not the only factor as your driving record, prior claims, where you live and the coverage you choose all play significant roles… but weaker credit can still push your premium higher.
Even so, continuous coverage and a clean record go a long way. Jerry compares prices instantly so you can find the best possible rate, regardless of credit.
Average rates in Rhode Island by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Rhode Island’s blend of no-fault rules, dense traffic, theft exposure and winter weather means there’s no one cheapest policy for everyone. The right coverage is the one that fits your real driving life.
Jerry makes that easy by matching you with strong, affordable protection and re-shopping your policy whenever your price can improve.
Get Rhode Island coverage in as little as 2 minutes
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
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.
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.
