Cheap Car Insurance in Rhode Island for 2023

Travelers offers the cheapest car insurance in Rhode Island, with an average monthly rate of $125 for full coverage.
Ben Moore
By Ben Moore  
Updated

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Table of Contents

Table of Contents

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 Quincy Mutual at $1,413 per year on average, or $118 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 $3,118 per year, or about $260 per month.

Minimum coverage in Rhode Island is $1,235 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 $569 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

How we chose the cheapest companies in Rhode Island

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.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Rhode Island where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best 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. Quincy Mutual: $3,417 per year, or about $285 per month.
  2. Progressive: $6,000 per year, or about $500 per month.
  3. Nationwide: $6,575 per year, or about $548 per month.
  4. Geico: $6,969 per year, or about $581 per month.
  5. Travelers: $7,070 per year, or about $589 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: $1,328 per year, or about $111 per month.
  2. Progressive: $2,400 per year, or about $200 per month.
  3. Travelers: $2,441 per year, or about $203 per month.
  4. Geico: $2,766 per year, or about $231 per month.
  5. Nationwide: $3,217 per year, or about $268 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. Quincy Mutual: $2,872 per year, or about $239 per month.
  2. Travelers: $3,039 per year, or about $253 per month.
  3. Geico: $3,657 per year, or about $305 per month.
  4. Progressive: $3,721 per year, or about $310 per month.
  5. Nationwide: $4,566 per year, or about $381 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: $1,528 per year, or about $127 per month.
  2. Travelers: $2,328 per year, or about $194 per month.
  3. Progressive: $2,806 per year, or about $234 per month.
  4. Main Street America: $3,524 per year, or about $294 per month.
  5. Nationwide: $3,526 per year, or about $294 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: $1,328 per year, or about $111 per month.
  2. Travelers: $2,441 per year, or about $203 per month.
  3. Progressive: $2,504 per year, or about $209 per month.
  4. Nationwide: $3,296 per year, or about $275 per month.
  5. Geico: $3,394 per year, or about $283 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. Quincy Mutual: $2,089 per year, or about $174 per month.
  2. Progressive: $2,646 per year, or about $221 per month.
  3. Travelers: $2,771 per year, or about $231 per month.
  4. Nationwide: $4,215 per year, or about $351 per month.
  5. Allstate: $4,249 per year, or about $354 per month.

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

  1. Quincy Mutual: $1,584 per year, or about $132 per month.
  2. Travelers: $1,675 per year, or about $140 per month.
  3. Amica: $2,830 per year, or about $236 per month.
  4. Nationwide: $3,082 per year, or about $257 per month.
  5. Progressive: $3,168 per year, or about $264 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: $572 per year, or about $48 per month.
  2. Quincy Mutual: $658 per year, or about $55 per month.
  3. Amica: $1,051 per year, or about $88 per month.
  4. Geico: $1,191 per year, or about $99 per month.
  5. Progressive: $1,209 per year, or about $101 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: $3,350 per year, or about $279 per month.
  2. Quincy Mutual: $3,974 per year, or about $331 per month.
  3. Nationwide: $4,331 per year, or about $361 per month.
  4. Amica: $4,645 per year, or about $387 per month.
  5. Geico: $4,780 per year, or about $398 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: $683 per year, or about $57 per month.
  2. Quincy Mutual: $706 per year, or about $59 per month.
  3. Amica: $1,403 per year, or about $117 per month.
  4. Progressive: $1,539 per year, or about $128 per month.
  5. Main Street America: $1,708 per year, or about $142 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. Quincy Mutual: $1,584 per year, or about $132 per month.
  2. Travelers: $1,675 per year, or about $140 per month.
  3. Amica: $2,830 per year, or about $236 per month.
  4. Nationwide: $3,082 per year, or about $257 per month.
  5. Progressive: $3,168 per year, or about $264 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: $2,795 per year, or about $233 per month.
  2. Quincy Mutual: $2,902 per year, or about $242 per month.
  3. Progressive: $3,486 per year, or about $291 per month.
  4. Main Street America: $5,112 per year, or about $426 per month.
  5. Nationwide: $5,256 per year, or about $438 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. Quincy Mutual: $1,350 per year, or about $113 per month.
  2. Travelers: $1,618 per year, or about $135 per month.
  3. Amica: $2,752 per year, or about $229 per month.
  4. Progressive: $2,791 per year, or about $233 per month.
  5. Nationwide: $3,033 per year, or about $253 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. Quincy Mutual: $553 per year, or about $46 per month.
  2. Travelers: $563 per year, or about $47 per month.
  3. Amica: $1,023 per year, or about $85 per month.
  4. Progressive: $1,113 per year, or about $93 per month.
  5. Geico: $1,177 per year, or about $98 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: $3,100 per year, or about $258 per month.
  2. Quincy Mutual: $3,363 per year, or about $280 per month.
  3. Nationwide: $4,266 per year, or about $355 per month.
  4. Amica: $4,517 per year, or about $376 per month.
  5. Progressive: $4,621 per year, or about $385 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: $593 per year, or about $49 per month.
  2. Travelers: $671 per year, or about $56 per month.
  3. Amica: $1,375 per year, or about $115 per month.
  4. Progressive: $1,436 per year, or about $120 per month.
  5. Main Street America: $1,707 per year, or about $142 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. Quincy Mutual: $1,350 per year, or about $113 per month.
  2. Travelers: $1,618 per year, or about $135 per month.
  3. Amica: $2,752 per year, or about $229 per month.
  4. Progressive: $2,791 per year, or about $233 per month.
  5. Nationwide: $3,033 per year, or about $253 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. Quincy Mutual: $2,460 per year, or about $205 per month.
  2. Travelers: $2,674 per year, or about $223 per month.
  3. Progressive: $3,103 per year, or about $259 per month.
  4. Main Street America: $5,007 per year, or about $417 per month.
  5. Nationwide: $5,158 per year, or about $430 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 cheap auto 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. Quincy Mutual: $1,243 per year, or about $104 per month.
  2. Travelers: $1,463 per year, or about $122 per month.
  3. Progressive: $2,496 per year, or about $208 per month.
  4. Amica: $2,566 per year, or about $214 per month.
  5. Nationwide: $2,786 per year, or about $232 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: $506 per year, or about $42 per month.
  2. Quincy Mutual: $514 per year, or about $43 per month.
  3. Amica: $955 per year, or about $80 per month.
  4. Progressive: $1,051 per year, or about $88 per month.
  5. Geico: $1,183 per year, or about $99 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. Quincy Mutual: $3,091 per year, or about $258 per month.
  2. Travelers: $3,395 per year, or about $283 per month.
  3. Nationwide: $3,943 per year, or about $329 per month.
  4. Progressive: $4,183 per year, or about $349 per month.
  5. Amica: $4,217 per year, or about $351 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: $638 per year, or about $53 per month.
  3. Amica: $1,308 per year, or about $109 per month.
  4. Progressive: $1,399 per year, or about $117 per month.
  5. Main Street America: $1,518 per year, or about $127 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. Quincy Mutual: $1,243 per year, or about $104 per month.
  2. Travelers: $1,463 per year, or about $122 per month.
  3. Progressive: $2,533 per year, or about $211 per month.
  4. Amica: $2,566 per year, or about $214 per month.
  5. Nationwide: $2,786 per year, or about $232 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. Quincy Mutual: $2,264 per year, or about $189 per month.
  2. Travelers: $2,733 per year, or about $228 per month.
  3. Progressive: $2,904 per year, or about $242 per month.
  4. Main Street America: $4,506 per year, or about $376 per month.
  5. Nationwide: $4,820 per year, or about $402 per month.

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 car 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. Quincy Mutual: $1,166 per year, or about $97 per month.
  2. Travelers: $1,524 per year, or about $127 per month.
  3. Progressive: $2,414 per year, or about $201 per month.
  4. Amica: $2,566 per year, or about $214 per month.
  5. Nationwide: $2,602 per year, or about $217 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. Quincy Mutual: $484 per year, or about $40 per month.
  2. Travelers: $544 per year, or about $45 per month.
  3. Amica: $955 per year, or about $80 per month.
  4. Progressive: $1,056 per year, or about $88 per month.
  5. Geico: $1,186 per year, or about $99 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. Quincy Mutual: $2,889 per year, or about $241 per month.
  2. Travelers: $3,580 per year, or about $298 per month.
  3. Nationwide: $3,683 per year, or about $307 per month.
  4. Progressive: $4,081 per year, or about $340 per month.
  5. Amica: $4,217 per year, or about $351 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: $692 per year, or about $58 per month.
  3. Amica: $1,308 per year, or about $109 per month.
  4. Progressive: $1,399 per year, or about $117 per month.
  5. Main Street America: $1,518 per year, or about $127 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. Quincy Mutual: $1,166 per year, or about $97 per month.
  2. Travelers: $1,524 per year, or about $127 per month.
  3. Progressive: $2,497 per year, or about $208 per month.
  4. Amica: $2,566 per year, or about $214 per month.
  5. Nationwide: $2,602 per year, or about $217 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. Quincy Mutual: $2,122 per year, or about $177 per month.
  2. Travelers: $2,809 per year, or about $234 per month.
  3. Progressive: $2,873 per year, or about $239 per month.
  4. Main Street America: $4,521 per year, or about $377 per month.
  5. Nationwide: $4,797 per year, or about $400 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

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. Quincy Mutual: $1,481 per year, or about $123 per month.
  2. Travelers: $1,856 per year, or about $155 per month.
  3. Nationwide: $2,853 per year, or about $238 per month.
  4. Progressive: $2,993 per year, or about $249 per month.
  5. Amica: $3,028 per year, or about $252 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. Quincy Mutual: $606 per year, or about $51 per month.
  2. Travelers: $702 per year, or about $59 per month.
  3. Amica: $1,140 per year, or about $95 per month.
  4. Geico: $1,186 per year, or about $99 per month.
  5. Progressive: $1,251 per year, or about $104 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: $3,487 per year, or about $291 per month.
  2. Quincy Mutual: $3,708 per year, or about $309 per month.
  3. Nationwide: $4,020 per year, or about $335 per month.
  4. Geico: $4,804 per year, or about $400 per month.
  5. Amica: $4,898 per year, or about $408 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: $650 per year, or about $54 per month.
  2. Travelers: $890 per year, or about $74 per month.
  3. Amica: $1,519 per year, or about $127 per month.
  4. Progressive: $1,625 per year, or about $135 per month.
  5. Main Street America: $1,708 per year, or about $142 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. Quincy Mutual: $1,481 per year, or about $123 per month.
  2. Travelers: $1,856 per year, or about $155 per month.
  3. Nationwide: $2,853 per year, or about $238 per month.
  4. Amica: $3,028 per year, or about $252 per month.
  5. Progressive: $3,057 per year, or about $255 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. Quincy Mutual: $2,709 per year, or about $226 per month.
  2. Travelers: $3,441 per year, or about $287 per month.
  3. Progressive: $3,455 per year, or about $288 per month.
  4. Nationwide: $4,969 per year, or about $414 per month.
  5. Main Street America: $5,112 per year, or about $426 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 options for 68 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

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. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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