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Best Cheap Car Insurance in Rhode Island for 2021

Dec. 9, 2020
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To avoid the steepest rates and find cheap car insurance in Rhode Island, it’s wise to compare a variety of quotes. Annual car insurance rates can vary by a thousand dollars or more from one company to the next, proving that comparison shopping pays off when it comes to auto insurance.

To help you find competitive rates, NerdWallet researched prices from 20 insurers in Rhode Island and found the five cheapest options for several common driver categories.

Cheapest for 20-year-old drivers in Rhode Island

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 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. State Farm: $1,858 per year.
  2. Geico: $3,196 per year.
  3. Nationwide: $3,675 per year.
  4. Amica: $3,973 per year.
  5. Progressive: $5,085 per year.

Cheapest minimum coverage 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. State Farm: $721 per year.
  2. Geico: $1,258 per year.
  3. Amica: $1,292 per year.
  4. Quincy Mutual: $2,030 per year.
  5. Progressive: $2,102 per year.

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

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

  1. State Farm: $1,488 per year.
  2. Geico: $1,589 per year.
  3. Amica: $2,163 per year.
  4. Allstate: $3,028 per year.
  5. Progressive: $3,340 per year.

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

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

  1. State Farm: $1,026 per year.
  2. Geico: $1,669 per year.
  3. Amica: $1,680 per year.
  4. Allstate: $2,768 per year.
  5. Nationwide: $2,875 per year.

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

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

  1. State Farm: $721 per year.
  2. Progressive: $2,491 per year.
  3. Allstate: $2,768 per year.
  4. Geico: $2,934 per year.
  5. Amica: $3,094 per year.

Cheapest for 30-year-old drivers in Rhode Island

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 in Rhode Island for 30-year-olds

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

  1. State Farm: $922 per year.
  2. Travelers: $1,266 per year.
  3. Geico: $1,570 per year.
  4. Amica: $1,775 per year.
  5. Nationwide: $1,831 per year.

Cheapest minimum coverage 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. State Farm: $353 per year.
  2. Amica: $546 per year.
  3. Travelers: $586 per year.
  4. Geico: $592 per year.
  5. Nationwide: $968 per year.

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

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

  1. State Farm: $1,837 per year.
  2. Travelers: $1,893 per year.
  3. Geico: $1,991 per year.
  4. Nationwide: $2,619 per year.
  5. Amica: $2,977 per year.

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

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

  1. State Farm: $1,255 per year.
  2. Travelers: $1,302 per year.
  3. Geico: $2,320 per year.
  4. Nationwide: $2,692 per year.
  5. Amica: $2,893 per year.

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

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

  1. State Farm: $922 per year.
  2. Travelers: $1,945 per year.
  3. Progressive: $3,177 per year.
  4. Nationwide: $3,380 per year.
  5. Geico: $3,728 per year.

Cheapest for 40-year-old drivers in Rhode Island

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 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. State Farm: $904 per year.
  2. Travelers: $1,201 per year.
  3. Geico: $1,551 per year.
  4. Amica: $1,725 per year.
  5. Nationwide: $1,780 per year.

Cheapest minimum coverage 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. State Farm: $347 per year.
  2. Amica: $529 per year.
  3. Travelers: $569 per year.
  4. Geico: $592 per year.
  5. Quincy Mutual: $797 per year.

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

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

  1. Travelers: $1,760 per year.
  2. State Farm: $1,800 per year.
  3. Geico: $1,952 per year.
  4. Nationwide: $2,545 per year.
  5. Amica: $2,894 per year.

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

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

  1. State Farm: $1,231 per year.
  2. Travelers: $1,233 per year.
  3. Geico: $2,298 per year.
  4. Nationwide: $2,627 per year.
  5. Amica: $2,843 per year.

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

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

  1. State Farm: $904 per year.
  2. Travelers: $1,877 per year.
  3. Progressive: $2,977 per year.
  4. Nationwide: $3,315 per year.
  5. Geico: $3,706 per year.

Cheapest for 50-year-old drivers in Rhode Island

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 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. State Farm: $878 per year.
  2. Travelers: $1,184 per year.
  3. Geico: $1,555 per year.
  4. Amica: $1,609 per year.
  5. Nationwide: $1,674 per year.

Cheapest minimum coverage 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. State Farm: $338 per year.
  2. Amica: $489 per year.
  3. Travelers: $542 per year.
  4. Geico: $587 per year.
  5. Quincy Mutual: $717 per year.

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

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

  1. State Farm: $1,747 per year.
  2. Travelers: $1,842 per year.
  3. Geico: $2,043 per year.
  4. Nationwide: $2,393 per year.
  5. Amica: $2,700 per year.

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

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

  1. State Farm: $1,197 per year.
  2. Travelers: $1,211 per year.
  3. Geico: $2,315 per year.
  4. Nationwide: $2,496 per year.
  5. Amica: $2,727 per year.

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

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

  1. State Farm: $878 per year.
  2. Travelers: $1,980 per year.
  3. Progressive: $2,722 per year.
  4. Nationwide: $3,183 per year.
  5. Geico: $3,756 per year.

Cheapest for 65-year-old drivers in Rhode Island

Although 65-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 mid-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 in Rhode Island for 65-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. State Farm: $917 per year.
  2. Travelers: $1,275 per year.
  3. Geico: $1,570 per year.
  4. Nationwide: $1,602 per year.
  5. Quincy Mutual: $2,038 per year.

Cheapest minimum coverage in Rhode Island for 65-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. State Farm: $359 per year.
  2. Geico: $599 per year.
  3. Travelers: $647 per year.
  4. Quincy Mutual: $755 per year.
  5. Amica: $798 per year.

Cheapest coverage for 65-year-olds with poor credit in Rhode Island

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

  1. State Farm: $1,826 per year.
  2. Travelers: $1,985 per year.
  3. Geico: $2,060 per year.
  4. Nationwide: $2,285 per year.
  5. Progressive: $4,331 per year.

Cheapest for 65-year-old drivers with one at-fault crash in Rhode Island

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

  1. State Farm: $1,254 per year.
  2. Travelers: $1,331 per year.
  3. Geico: $2,333 per year.
  4. Nationwide: $2,404 per year.
  5. MetLife: $2,811 per year.

Cheapest insurance for 65-year-old drivers after a DUI in Rhode Island

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

  1. State Farm: $917 per year.
  2. Travelers: $2,104 per year.
  3. Nationwide: $3,092 per year.
  4. Progressive: $3,255 per year.
  5. Geico: $3,773 per year.

Cheapest 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 among the cheapest five auto insurance options for all 40 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 quotes comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-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 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.

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