The Cheapest Car Insurance in Rhode Island for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Rhode Island for a variety of ages and driving histories.
Jan 21, 2022

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Auto insurance is an important purchase, but finding cheap car insurance in Rhode Island isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Rhode Island is $2,290 per year, or about $191 per month, according to NerdWallet’s analysis. Minimum coverage in Rhode Island is $928 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Rhode Island at $507 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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How we chose the cheapest companies in Rhode Island

NerdWallet’s editorial team analyzed car insurance rates from 10 auto insurers in Rhode Island and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 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 for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

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. Geico: $3,046 per year, or about $254 per month.

  2. Amica: $3,889 per year, or about $324 per month.

  3. Nationwide: $4,182 per year, or about $348 per month.

  4. Quincy Mutual: $5,090 per year, or about $424 per month.

  5. Travelers: $5,400 per year, or about $450 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. Geico: $1,072 per year, or about $89 per month.

  2. Amica: $1,311 per year, or about $109 per month.

  3. Travelers: $1,758 per year, or about $146 per month.

  4. Quincy Mutual: $2,060 per year, or about $172 per month.

  5. Allstate: $2,223 per year, or about $185 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. Geico: $1,357 per year, or about $113 per month.

  2. Travelers: $2,016 per year, or about $168 per month.

  3. Amica: $2,195 per year, or about $183 per month.

  4. Allstate: $2,993 per year, or about $249 per month.

  5. Nationwide: $3,429 per year, or about $286 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. Geico: $1,424 per year, or about $119 per month.

  2. Amica: $1,704 per year, or about $142 per month.

  3. Travelers: $1,866 per year, or about $156 per month.

  4. Allstate: $2,740 per year, or about $228 per month.

  5. Nationwide: $2,853 per year, or about $238 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: $2,079 per year, or about $173 per month.

  2. Geico: $2,504 per year, or about $209 per month.

  3. Progressive: $2,689 per year, or about $224 per month.

  4. Allstate: $2,729 per year, or about $227 per month.

  5. Amica: $3,138 per year, or about $262 per month.

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

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

Drivers in Rhode Island with clean driving records may get the lowest rates from these companies:

  1. Travelers: $1,474 per year, or about $123 per month.

  2. Geico: $1,486 per year, or about $124 per month.

  3. Amica: $1,731 per year, or about $144 per month.

  4. Nationwide: $1,820 per year, or about $152 per month.

  5. Quincy Mutual: $2,331 per year, or about $194 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. Geico: $507 per year, or about $42 per month.

  2. Travelers: $530 per year, or about $44 per month.

  3. Amica: $554 per year, or about $46 per month.

  4. Nationwide: $951 per year, or about $79 per month.

  5. Quincy Mutual: $965 per year, or about $80 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. Geico: $1,910 per year, or about $159 per month.

  2. Travelers: $2,245 per year, or about $187 per month.

  3. Nationwide: $2,604 per year, or about $217 per month.

  4. Amica: $2,904 per year, or about $242 per month.

  5. Progressive: $5,033 per year, or about $419 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: $1,564 per year, or about $130 per month.

  2. Geico: $2,197 per year, or about $183 per month.

  3. Nationwide: $2,666 per year, or about $222 per month.

  4. Amica: $2,829 per year, or about $236 per month.

  5. Quincy Mutual: $3,352 per year, or about $279 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: $1,997 per year, or about $166 per month.

  2. Nationwide: $3,338 per year, or about $278 per month.

  3. Geico: $3,546 per year, or about $296 per month.

  4. Progressive: $3,582 per year, or about $298 per month.

  5. MetLife: $4,811 per year, or about $401 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

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: $1,418 per year, or about $118 per month.

  2. Geico: $1,468 per year, or about $122 per month.

  3. Amica: $1,682 per year, or about $140 per month.

  4. Nationwide: $1,787 per year, or about $149 per month.

  5. Quincy Mutual: $1,972 per year, or about $164 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. Geico: $507 per year, or about $42 per month.

  2. Travelers: $521 per year, or about $43 per month.

  3. Amica: $536 per year, or about $45 per month.

  4. Quincy Mutual: $808 per year, or about $67 per month.

  5. Nationwide: $934 per year, or about $78 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. Geico: $1,871 per year, or about $156 per month.

  2. Travelers: $2,092 per year, or about $174 per month.

  3. Nationwide: $2,556 per year, or about $213 per month.

  4. Amica: $2,822 per year, or about $235 per month.

  5. Progressive: $4,543 per year, or about $379 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: $1,476 per year, or about $123 per month.

  2. Geico: $2,176 per year, or about $181 per month.

  3. Nationwide: $2,625 per year, or about $219 per month.

  4. Amica: $2,780 per year, or about $232 per month.

  5. Quincy Mutual: $2,832 per year, or about $236 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: $1,913 per year, or about $159 per month.

  2. Progressive: $3,237 per year, or about $270 per month.

  3. Nationwide: $3,297 per year, or about $275 per month.

  4. Geico: $3,525 per year, or about $294 per month.

  5. MetLife: $4,592 per year, or about $383 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of the best cheap car insurance companies is a good place to start.

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: $1,284 per year, or about $107 per month.

  2. Geico: $1,474 per year, or about $123 per month.

  3. Amica: $1,568 per year, or about $131 per month.

  4. Nationwide: $1,686 per year, or about $140 per month.

  5. Quincy Mutual: $1,782 per year, or about $148 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: $473 per year, or about $39 per month.

  2. Amica: $496 per year, or about $41 per month.

  3. Geico: $503 per year, or about $42 per month.

  4. Quincy Mutual: $727 per year, or about $61 per month.

  5. Nationwide: $891 per year, or about $74 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. Geico: $1,958 per year, or about $163 per month.

  2. Travelers: $2,035 per year, or about $170 per month.

  3. Nationwide: $2,410 per year, or about $201 per month.

  4. Amica: $2,631 per year, or about $219 per month.

  5. Progressive: $4,137 per year, or about $345 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: $1,332 per year, or about $111 per month.

  2. Geico: $2,194 per year, or about $183 per month.

  3. Nationwide: $2,496 per year, or about $208 per month.

  4. Quincy Mutual: $2,557 per year, or about $213 per month.

  5. Amica: $2,666 per year, or about $222 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: $1,922 per year, or about $160 per month.

  2. Progressive: $3,016 per year, or about $251 per month.

  3. Nationwide: $3,168 per year, or about $264 per month.

  4. Geico: $3,574 per year, or about $298 per month.

  5. MetLife: $4,238 per year, or about $353 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

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: $1,333 per year, or about $111 per month.

  2. Geico: $1,491 per year, or about $124 per month.

  3. Nationwide: $1,601 per year, or about $133 per month.

  4. Amica: $1,642 per year, or about $137 per month.

  5. Quincy Mutual: $1,672 per year, or about $139 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: $501 per year, or about $42 per month.

  2. Geico: $513 per year, or about $43 per month.

  3. Amica: $520 per year, or about $43 per month.

  4. Quincy Mutual: $680 per year, or about $57 per month.

  5. Nationwide: $821 per year, or about $68 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. Geico: $1,978 per year, or about $165 per month.

  2. Travelers: $2,141 per year, or about $178 per month.

  3. Nationwide: $2,287 per year, or about $191 per month.

  4. Amica: $2,939 per year, or about $245 per month.

  5. Quincy Mutual: $3,903 per year, or about $325 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: $1,391 per year, or about $116 per month.

  2. Geico: $2,214 per year, or about $184 per month.

  3. Quincy Mutual: $2,393 per year, or about $199 per month.

  4. Nationwide: $2,399 per year, or about $200 per month.

  5. Amica: $2,790 per year, or about $232 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: $2,037 per year, or about $170 per month.

  2. Progressive: $2,931 per year, or about $244 per month.

  3. Nationwide: $3,085 per year, or about $257 per month.

  4. Geico: $3,594 per year, or about $300 per month.

  5. MetLife: $3,946 per year, or about $329 per month.

Cheapest car insurance for military families

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 12 of the 48 driver profiles we examined.

Minimum required auto insurance in Rhode Island

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.

Alternative Rhode Island car insurance

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.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following 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.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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