Cheap Car Insurance in Rhode Island for 2023

Auto insurance is an important purchase, but finding cheap car insurance in Rhode Island isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Rhode Island is Travelers at $1,502 per year on average, or $125 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Rhode Island. Meanwhile, the average cost of full coverage car insurance in Rhode Island is $3,300 per year, or about $275 per month.

Minimum coverage in Rhode Island is $1,272 per year on average, but we found you can likely get a cheaper policy. For example, Travelers offers the cheapest rates in Rhode Island at $501 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

NerdWallet’s editorial team analyzed car insurance rates from 11 auto insurers in Rhode Island and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Rhode Island. For full coverage, we used the below coverage limits:

• $100,000 bodily injury liability per person.

• $300,000 bodily injury liability per accident.

• $50,000 property damage liability per accident.

• $100,000 uninsured motorist coverage per person.

• $300,000 uninsured motorist coverage per accident.

• Collision coverage with a $1,000 deductible.

• Comprehensive coverage with a $1,000 deductible.

Cheapest full coverage car insurance in Rhode Island for 20-year-olds

Drivers in Rhode Island with clean driving records may want to consider the following companies, which had the lowest average rates:

1. Travelers: $5,820 per year, or about $485 per month.

2. Main Street America: $6,344 per year, or about $529 per month.

3. Progressive: $6,540 per year, or about $545 per month.

4. Nationwide: $6,726 per year, or about $560 per month.

5. Quincy Mutual: $7,948 per year, or about $662 per month.

Cheapest minimum coverage car insurance in Rhode Island for 20-year-olds

Drivers in Rhode Island who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

1. Quincy Mutual: $1,348 per year, or about $112 per month.

2. Travelers: $1,630 per year, or about $136 per month.

3. Main Street America: $2,242 per year, or about $187 per month.

4. Progressive: $2,748 per year, or about $229 per month.

5. Geico: $3,227 per year, or about $269 per month.

Cheapest auto insurance in Rhode Island for 20-year-olds with poor credit

Drivers with poor credit in Rhode Island should look at the following insurers with the lowest average rates for minimum coverage:

1. Travelers: $1,881 per year, or about $157 per month.

2. Quincy Mutual: $2,915 per year, or about $243 per month.

3. Progressive: $4,287 per year, or about $357 per month.

4. Allstate: $4,383 per year, or about $365 per month.

5. Geico: $4,384 per year, or about $365 per month.

Cheapest auto insurance in Rhode Island for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Rhode Island, here are the companies with the lowest average rates for minimum coverage:

1. Quincy Mutual: $1,550 per year, or about $129 per month.

2. Travelers: $1,809 per year, or about $151 per month.

3. Progressive: $3,135 per year, or about $261 per month.

4. Main Street America: $3,598 per year, or about $300 per month.

5. Allstate: $3,628 per year, or about $302 per month.

Cheapest auto insurance in Rhode Island for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Rhode Island, here are the companies with the lowest average rates for minimum coverage:

1. Quincy Mutual: $1,348 per year, or about $112 per month.

2. Travelers: $1,804 per year, or about $150 per month.

3. Main Street America: $2,242 per year, or about $187 per month.

4. Progressive: $3,128 per year, or about $261 per month.

5. Nationwide: $3,343 per year, or about $279 per month.

Cheapest auto insurance in Rhode Island for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

1. Travelers: $1,932 per year, or about $161 per month.

2. Quincy Mutual: $2,120 per year, or about $177 per month.

3. Progressive: $2,989 per year, or about $249 per month.

4. Main Street America: $3,584 per year, or about $299 per month.

5. Allstate: $4,033 per year, or about $336 per month.

Cheapest full coverage car insurance in Rhode Island for 30-year-olds

Drivers in Rhode Island who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

1. Travelers: $1,524 per year, or about $127 per month.

2. Nationwide: $2,692 per year, or about $224 per month.

3. Amica: $3,244 per year, or about $270 per month.

4. Progressive: $3,299 per year, or about $275 per month.

5. Main Street America: $3,544 per year, or about $295 per month.

Cheapest minimum coverage car insurance in Rhode Island for 30-year-olds

Drivers in Rhode Island who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

1. Travelers: $503 per year, or about $42 per month.

2. Quincy Mutual: $676 per year, or about $56 per month.

3. Amica: $1,331 per year, or about $111 per month.

4. Nationwide: $1,352 per year, or about $113 per month.

5. Progressive: $1,352 per year, or about $113 per month.

Cheapest auto insurance in Rhode Island for 30-year-olds with poor credit

Drivers with poor credit in Rhode Island should consider the following companies with the lowest average rates for full coverage:

1. Travelers: $2,538 per year, or about $212 per month.

2. Nationwide: $3,882 per year, or about $324 per month.

3. Amica: $4,532 per year, or about $378 per month.

4. Geico: $5,343 per year, or about $445 per month.

5. Progressive: $5,556 per year, or about $463 per month.

Cheapest auto insurance in Rhode Island for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Rhode Island, here are the companies with the lowest average rates for minimum coverage:

1. Travelers: $634 per year, or about $53 per month.

2. Quincy Mutual: $723 per year, or about $60 per month.

3. Nationwide: $1,618 per year, or about $135 per month.

4. Progressive: $1,698 per year, or about $142 per month.

5. Amica: $1,762 per year, or about $147 per month.

Cheapest auto insurance in Rhode Island for 30-year-old drivers with one at-fault crash

For drivers in Rhode Island with a recent accident, here are the lowest average rate options for full coverage:

1. Travelers: $1,798 per year, or about $150 per month.

2. Nationwide: $2,692 per year, or about $224 per month.

3. Amica: $3,244 per year, or about $270 per month.

4. Main Street America: $3,544 per year, or about $295 per month.

5. Quincy Mutual: $3,690 per year, or about $308 per month.

Cheapest auto insurance in Rhode Island for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

1. Travelers: $2,067 per year, or about $172 per month.

2. Progressive: $3,722 per year, or about $310 per month.

3. Nationwide: $5,333 per year, or about $444 per month.

4. Main Street America: $5,519 per year, or about $460 per month.

5. MetLife: $6,496 per year, or about $541 per month.

Cheapest full coverage car insurance in Rhode Island for 40-year-olds

Drivers in Rhode Island with clean driving records may want to think about the following companies, which had the lowest average rates:

1. Travelers: $1,462 per year, or about $122 per month.

2. Nationwide: $2,632 per year, or about $219 per month.

3. Progressive: $2,942 per year, or about $245 per month.

4. Main Street America: $3,093 per year, or about $258 per month.

5. Amica: $3,155 per year, or about $263 per month.

Cheapest minimum coverage car insurance in Rhode Island for 40-year-olds

Drivers in Rhode Island who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

1. Travelers: $494 per year, or about $41 per month.

2. Quincy Mutual: $565 per year, or about $47 per month.

3. Progressive: $1,229 per year, or about $102 per month.

4. Main Street America: $1,273 per year, or about $106 per month.

5. Amica: $1,295 per year, or about $108 per month.

Cheapest auto insurance in Rhode Island for 40-year-olds with poor credit

Drivers with poor credit in Rhode Island can check out the following insurers with the lowest average rates for full coverage:

1. Travelers: $2,357 per year, or about $196 per month.

2. Nationwide: $3,795 per year, or about $316 per month.

3. Amica: $4,409 per year, or about $367 per month.

4. Progressive: $4,966 per year, or about $414 per month.

5. Geico: $5,271 per year, or about $439 per month.

Cheapest auto insurance in Rhode Island for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Rhode Island, here are the companies with the lowest average rates for minimum coverage:

1. Quincy Mutual: $604 per year, or about $50 per month.

2. Travelers: $613 per year, or about $51 per month.

3. Progressive: $1,571 per year, or about $131 per month.

4. Nationwide: $1,596 per year, or about $133 per month.

5. Amica: $1,727 per year, or about $144 per month.

Cheapest auto insurance in Rhode Island for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Rhode Island, here are the companies with the lowest average rates for full coverage:

1. Travelers: $1,705 per year, or about $142 per month.

2. Nationwide: $2,632 per year, or about $219 per month.

3. Main Street America: $3,093 per year, or about $258 per month.

4. Amica: $3,155 per year, or about $263 per month.

5. Quincy Mutual: $3,170 per year, or about $264 per month.

Cheapest auto insurance in Rhode Island for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

1. Travelers: $1,972 per year, or about $164 per month.

2. Progressive: $3,354 per year, or about $280 per month.

3. Main Street America: $4,784 per year, or about $399 per month.

4. Nationwide: $5,258 per year, or about $438 per month.

5. Quincy Mutual: $5,856 per year, or about $488 per month.

Cheapest full coverage car insurance in Rhode Island for 50-year-olds

Drivers in Rhode Island with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

1. Travelers: $1,321 per year, or about $110 per month.

2. Nationwide: $2,457 per year, or about $205 per month.

3. Progressive: $2,697 per year, or about $225 per month.

4. Quincy Mutual: $2,860 per year, or about $238 per month.

5. Amica: $2,947 per year, or about $246 per month.

Cheapest minimum coverage car insurance in Rhode Island for 50-year-olds

Drivers in Rhode Island who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

1. Travelers: $451 per year, or about $38 per month.

2. Quincy Mutual: $515 per year, or about $43 per month.

3. Progressive: $1,135 per year, or about $95 per month.

4. Amica: $1,213 per year, or about $101 per month.

5. Main Street America: $1,253 per year, or about $104 per month.

Cheapest auto insurance in Rhode Island for 50-year-olds with poor credit

Drivers with poor credit in Rhode Island can check with the following companies, which showed the lowest average rates for full coverage:

1. Travelers: $2,225 per year, or about $185 per month.

2. Nationwide: $3,540 per year, or about $295 per month.

3. Amica: $4,121 per year, or about $343 per month.

4. Progressive: $4,566 per year, or about $380 per month.

5. Geico: $5,144 per year, or about $429 per month.

Cheapest auto insurance in Rhode Island for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Rhode Island, here are the companies with the lowest average rates for minimum coverage:

1. Quincy Mutual: $550 per year, or about $46 per month.

2. Travelers: $587 per year, or about $49 per month.

3. Progressive: $1,517 per year, or about $126 per month.

4. Nationwide: $1,524 per year, or about $127 per month.

5. Amica: $1,644 per year, or about $137 per month.

Cheapest auto insurance in Rhode Island for 50-year-old drivers with one at-fault crash

For drivers living in Rhode Island with a recent accident, here are the insurers with the lowest average full coverage rates:

1. Travelers: $1,550 per year, or about $129 per month.

2. Nationwide: $2,457 per year, or about $205 per month.

3. Quincy Mutual: $2,860 per year, or about $238 per month.

4. Amica: $2,947 per year, or about $246 per month.

5. Main Street America: $2,964 per year, or about $247 per month.

Cheapest auto insurance in Rhode Island for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

1. Travelers: $1,974 per year, or about $164 per month.

2. Progressive: $3,166 per year, or about $264 per month.

3. Main Street America: $4,572 per year, or about $381 per month.

4. Nationwide: $5,033 per year, or about $419 per month.

5. Quincy Mutual: $5,277 per year, or about $440 per month.

Cheapest full coverage car insurance in Rhode Island for 60-year-olds

Drivers in Rhode Island with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

1. Travelers: $1,367 per year, or about $114 per month.

2. Nationwide: $2,269 per year, or about $189 per month.

3. Progressive: $2,610 per year, or about $218 per month.

4. Quincy Mutual: $2,675 per year, or about $223 per month.

5. Amica: $2,947 per year, or about $246 per month.

Cheapest minimum coverage car insurance in Rhode Island for 60-year-olds

Drivers in Rhode Island who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

1. Travelers: $477 per year, or about $40 per month.

2. Quincy Mutual: $485 per year, or about $40 per month.

3. Progressive: $1,105 per year, or about $92 per month.

4. Nationwide: $1,169 per year, or about $97 per month.

5. Amica: $1,213 per year, or about $101 per month.

Cheapest auto insurance in Rhode Island for 60-year-olds with poor credit

Drivers with poor credit in Rhode Island can look at the following companies with the lowest average rates for full coverage:

1. Travelers: $2,267 per year, or about $189 per month.

2. Nationwide: $3,269 per year, or about $272 per month.

3. Amica: $4,121 per year, or about $343 per month.

4. Progressive: $4,421 per year, or about $368 per month.

5. Geico: $5,076 per year, or about $423 per month.

Cheapest auto insurance in Rhode Island for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Rhode Island, here are the companies with the lowest average rates for minimum coverage:

1. Quincy Mutual: $518 per year, or about $43 per month.

2. Travelers: $625 per year, or about $52 per month.

3. Nationwide: $1,435 per year, or about $120 per month.

4. Progressive: $1,486 per year, or about $124 per month.

5. MetLife: $1,622 per year, or about $135 per month.

Cheapest auto insurance in Rhode Island for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Rhode Island, here are the companies with the lowest average rates for full coverage:

1. Travelers: $1,615 per year, or about $135 per month.

2. Nationwide: $2,269 per year, or about $189 per month.

3. Quincy Mutual: $2,675 per year, or about $223 per month.

4. Amica: $2,947 per year, or about $246 per month.

5. Main Street America: $2,990 per year, or about $249 per month.

Cheapest auto insurance in Rhode Island for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

1. Travelers: $2,083 per year, or about $174 per month.

2. Progressive: $3,076 per year, or about $256 per month.

3. Main Street America: $4,632 per year, or about $386 per month.

4. Nationwide: $4,797 per year, or about $400 per month.

5. Quincy Mutual: $4,931 per year, or about $411 per month.

Cheapest full coverage car insurance in Rhode Island for 70-year-olds

Drivers in Rhode Island with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

1. Travelers: $1,588 per year, or about $132 per month.

2. Nationwide: $2,493 per year, or about $208 per month.

3. Progressive: $3,215 per year, or about $268 per month.

4. Quincy Mutual: $3,306 per year, or about $276 per month.

5. Amica: $3,555 per year, or about $296 per month.

Cheapest minimum coverage car insurance in Rhode Island for 70-year-olds

Drivers in Rhode Island who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

1. Travelers: $573 per year, or about $48 per month.

2. Quincy Mutual: $587 per year, or about $49 per month.

3. Nationwide: $1,296 per year, or about $108 per month.

4. Progressive: $1,392 per year, or about $116 per month.

5. Geico: $1,439 per year, or about $120 per month.

Cheapest auto insurance in Rhode Island for 70-year-olds with poor credit

Drivers with poor credit in Rhode Island can look at the following companies with the lowest average rates for full coverage:

1. Travelers: $2,527 per year, or about $211 per month.

2. Nationwide: $3,589 per year, or about $299 per month.

3. Amica: $4,788 per year, or about $399 per month.

4. Geico: $5,166 per year, or about $430 per month.

5. Progressive: $5,397 per year, or about $450 per month.

Cheapest auto insurance in Rhode Island for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Rhode Island, here are the companies with the lowest average rates for minimum coverage:

1. Quincy Mutual: $628 per year, or about $52 per month.

2. Travelers: $758 per year, or about $63 per month.

3. Nationwide: $1,563 per year, or about $130 per month.

4. Progressive: $1,795 per year, or about $150 per month.

5. Amica: $1,977 per year, or about $165 per month.

Cheapest auto insurance in Rhode Island for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Rhode Island, here are the companies with the lowest average rates for full coverage:

1. Travelers: $1,855 per year, or about $155 per month.

2. Nationwide: $2,493 per year, or about $208 per month.

3. Quincy Mutual: $3,306 per year, or about $276 per month.

4. Amica: $3,555 per year, or about $296 per month.

5. Main Street America: $3,623 per year, or about $302 per month.

Cheapest auto insurance in Rhode Island for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

1. Travelers: $2,399 per year, or about $200 per month.

2. Progressive: $3,722 per year, or about $310 per month.

3. Nationwide: $5,084 per year, or about $424 per month.

4. Main Street America: $5,664 per year, or about $472 per month.

5. Quincy Mutual: $6,108 per year, or about $509 per month.

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was the cheapest auto insurance option for 63 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Rhode Island car insurance policies must include liability insurance, which covers others’ injury treatment and property damage if you’re responsible for a crash.

The minimum limits you must select are:

• $25,000 bodily injury liability per person.

• $50,000 bodily injury liability per incident.

• $25,000 property damage liability per incident.

While buying the minimum car insurance allows you to drive legally, it might not be enough to pay for an accident you cause. Say you cause a crash and total another driver’s expensive luxury car. The property damage could easily exceed your $25,000 limit, and the remaining balance might have to come out of your pocket.

Most drivers can benefit from raising their liability limits beyond the state minimum. You may also want to consider common optional coverages such as collision, comprehensive and uninsured motorist insurance. Check out NerdWallet’s guide to car insurance requirements by state for more help planning your Rhode Island policy.

If you have multiple crashes on record, DUIs, poor credit or other issues, it may be difficult to buy car insurance on the voluntary market. As an alternative, you can seek coverage through the Rhode Island Automobile Insurance Plan.

For more help finding cheap coverage in Rhode Island, try NerdWallet’s car insurance comparison tool.