Rhode Island Cheapest Car Insurance & Best Car Insurance Coverage

Rhode Island’s cheapest car insurance and best car insurance coverage is at USAA, Travelers, and Liberty Mutual. This article will cover the minimum requirements, the best auto insurance companies by age and location, and cost-saving tips to help you lower your monthly coverage rates.

To find affordable Rhode Island car insurance today, enter your ZIP into our free comparison tool.

Cheapest Rhode Island Car Insurance

Note: The least expensive insurers by quote for a 25-year-old driver are USAA, Travelers, and Liberty Mutual. Or approximately 21 to 26% lower than the average premium for drivers of similar age and profile. Allstate and MetLife are substantially lower, making both companies worth getting quotes from.

Learn more:

• Review of USAA Car Insurance
• Review of Travelers Car Insurance

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Minimum Car Insurance Requirements for Rhode Island

Rhode Island uses a tort system that is utilized when settling losses due to auto accidents.

The tort system is where you purchase liability auto insurance that protects “other” drivers where you could be legally bound to answer to if there is considerable damage or medical expenses.

In short, when you purchase your liability policy, you transfer the “liability” under the tort laws to the insurance firm.

For example, the insurer steps into your shoes and pays for damages.

The minimum car insurance requirements for Rhode Islands are as follows:

Coverage	Rhode Island Minimum Liability Coverage	Recommended Coverage
Bodily Injury Protection	$25,000 / $50,000	$100,000 / $300,000
Property Damage	$25,000	$50,000
Uninsured Motorist*	Optional	$100,000 / $300,000
Comprehensive	Optional	$250 deductible
Collision	Optional	$500 deductible
Medical Payment	Optional	$5,000

*Uninsured Motorist is a requirement unless declined in writing. Typically this is wrapped into liability and property damage coverage.

Note: Approximately 17 percent of drivers are uninsured in the State of Rhode Island. If you are in an automobile accident with an uninsured motorist, you will not be covered if you decided to decline your coverage.

Bodily Injury Liability

Bodily injury liability insurance covers the hospital bills of the driver and passengers of the other automobile.

Under the minimum needed bodily injury liability coverage, the insurance firm will cover up to $25,000 for a single person and up to $50,000 for multiple passengers for a single-car accident

Note: For a 30-year-old driver, the cheapest options for drivers are with USAA, Travelers, and Liberty Mutual. Each queried at $1,675, $1,700, and $1,730 respectfully for full coverage. All three carriers are 24 to 26% lower than the median quote of $2,247.

Property Damage Liability

Property damage liability covers repairs to private and public property like a business, guard rails, road signs, and the other driver’s vehicle.

Minimum Property damage liability coverage will make allowances for a maximum payout of $25,000 per accident.

The set limit would be 25/50/25. In layman’s terms, it is the minimum liability coverage, and the maximum payout in thousands the policy will cover if you have purchased the minimum liability.

Note: The average premium for a 35-year-old driver in Rhode Island is $2,102 per year. Affordable insurers by lowest quote are with USAA, Travelers, and Liberty Mutual. I queried each at $1,328, $1,398, and $1,436 per year for full coverage. Or approximately 31 to 36% lower than the average premium.

Uninsured Motorist Protection (UM)

Other coverage required (can be a decline in writing) when driving in Rhode Island is Uninsured Motorist Protection (UM).

Learn more: What Is Uninsured Motorist Coverage?

The state has a high density of drivers, and as many as two out of ten drivers at any given time are uninsured in the state.

If you get “only” the minimum liability coverage, you can decline to purchase uninsured motorist protection.

What is covered with Uninsured Motorist Protection?

UM, this will cover you in the event you are in an accident with an uninsured motorist.

In other words, uninsured motorist protection covers what the other driver should have had for minimum coverage in an automobile accident.

Note: A 45-year-old driver can find the least expensive quotes with USAA, Travelers, and Liberty Mutual. Each queried at $832, $887, and $912 per year for full coverage. Or approximately 31 to 37% lower than the median quote for similar age drivers. Both Allstate and MetLife are competitive with quotes at $920 and $965, respectfully.

If you have an accident with an uninsured driver, after payment for damages, your insurance company is likely to sue the other driver for the money paid to you because of negligence.

Other optional coverage to consider is comprehensive car insurance coverage, collision car insurance coverage, medical payments coverage, rental reimbursement coverage, and towing and labor cost coverage.

Cheapest Auto Insurance Companies in Rhode Island

Below is a list of insurers from the cheapest to the most expensive for drivers from 25 to 55.

When I compiled the data, it is only for the lowest price.

The table does not take into consideration consumer ratings, etc.

The three least expensive carriers are USAA, Travelers, and Liberty Mutual.

All three average 23 to 33% lower than the median quote for a driver with good driving history.

USAA only offers coverage for the military and their spouses. 

If USAA were not included in the list, the next would be Allstate.

Quotes from Allstate are 20 to 23% lower than the statewide average premium.

Amica and MetLife are two carriers to put on your bucket list to get quotes.

Both carriers can offer quotes from 19 to 25% cheaper than the “mean” quote for similar age drivers.

Quincy Mutual and Encompass are competitive in many cities across Rhode Island.

Both insurers can offer quotes from 14 to approximately 20% lower than the median rate for similar age drivers.

With the list, you have eight carriers that can offer substantially lower premiums.

And you have a blend of regional and national companies to find a policy to fit your needs and budget. 

Cheapest Auto Insurance Companies in Rhode Island

Below is a list of insurers from the cheapest to the most expensive for drivers from 25 to 55.

When I compiled the data, it is only for the lowest price.

The table does not take into consideration consumer ratings, etc.

The three least expensive carriers are USAA, Travelers, and Liberty Mutual.

All three average 23 to 33% lower than the median quote for a driver with good driving history.

USAA only offers coverage for the military and their spouses. 

If USAA were not included in the list, the next would be Allstate.

Quotes from Allstate are 20 to 23% lower than the statewide average premium.

Amica and MetLife are two carriers to put on your bucket list to get quotes.

Both carriers can offer quotes from 19 to 25% cheaper than the “mean” quote for similar age drivers.

Quincy Mutual and Encompass are competitive in many cities across Rhode Island.

Both insurers can offer quotes from 14 to approximately 20% lower than the median rate for similar age drivers.

With the list, you have eight carriers that can offer substantially lower premiums.

And you have a blend of regional and national companies to find a policy to fit your needs and budget. 

 

Rhode Island Company	Average Rate 25 Y/O	30 Y/O	35 Y/O	45 Y/O	55 Y/O
USAA*	$1,983	$1,675	$1,328	$832	$632
Travelers	$2,055	$1,700	$1,398	$887	$645
Liberty Mutual	$2,124	$1,730	$1,436	$912	$631
Allstate	$2,176	$1,787	$1,459	$920	$647
Geico	$2,276	$1,803	$1,498	$935	$678
MetLife	$2,300	$1,822	$1,500	$965	$687
Amica	$2,321	$1,855	$1,512	$972	$700
Cal Casualty	$2,476	$1,900	$1,537	$1,055	$709
Quincy Mutual	$2,522	$1,943	$1,548	$1,087	$745
Encompass	$2,698	$2,074	$1,600	$1,165	$765
Nationwide	$2,750	$2,128	$1,621	$1,180	$780
National Grange Mutual	$2,796	$2,255	$1,743	$1,254	$811
Peerless	$3,006	$2,290	$1,769	$1,276	$812

*USAA covers only families and their children affiliated with the Military and Armed Forces. A spouse or person previously in the Armed Services may be able to get insurance through USAA.

Rhode Island, a System of Tort

It is important to realize that if you reside in Rhode Island, you are under their tor system.

Since the state is small, there is a good chance you could be in a state which is “no-fault.”

If you are involved in an accident in the “no-fault” state, you will revert to that system and not RI’s tort.

Note: For a 55-year-old, the quotes clustered between $632 and $687. Liberty Mutual and USAA are the cheapest with quotes at $631 and $632, respectfully. Both carriers are 24% cheaper than the median quote for similar age drivers.

Common policy packages for motorists in RI

• • Bodily Injury Liability – 100,000/300,000

  • Property Damage Liability – 50,000

  • Uninsured Motorist Protection – 100,000/300,000

  • Comprehensive Coverage – $250 deductible

  • Collision Coverage – $500 deductible

  • Medical Payment Coverage – $5,000

Available Discounts

When you are looking for quotes in Rhode Island, you want to be sure you can get all the available discounts.

Some of the discounts which are available in the state:

1. Multi-vehicle policy
2. Good Student
3. Anti-theft devices
4. Driver Education Courses
5. Low Mileage
6. Dividends – Not considered discounts, but dividend pay-outs can be applied to a premium.
7. Multi-policy – If you are going to insure your home and vehicle.
8. Good driver and renewal discount

Note: When discounts are combined, you received a higher percentage drop in rates. Your discount will vary with your company, driver history, and other influential factors. As illustrated by the graph, good driver history and safety are higher savings.

Note: As illustrated by the graph, your biggest savings are a good driver and safety features. If combined with other discounts, your savings are greater.

Best Auto Insurance Companies by Consumer Rating, Rate Change, & Complaints

Below is a list of the best auto insurance companies by consumer rating, complaints, and rate change over an 18-month period.

It is important to realize insurers with a higher amount of written premiums will have more complaints.

Particularly for national companies, such as Travelers, Liberty Mutual, or Allstate.

This is to be expected.

Any rate change over a 12 to 18-month period of 1% to 3% is normal.

If you get a traffic violation, your premium rate can spike significantly, such as 20% or more.

The best option for the lowest annual rates possible is to maintain a clean driving history.

And do not file unnecessary claims. 

All data compiled is from AM Best, JD Power & Associates, and the Insurance Information Institute (III.org).

Consumer rating data is compiled from reputable online sources to get an average. 

Company	Written Premiums	Rate Change < 18 Months	# of Complaints	Consumer Rating out of 5 Stars
Allstate	$13,357,922	+2.1%	14	4.3
21st Century	$1,422,311	+2.6%	8	4.1
Farmers	$8,587,276	+2.3%	7	4.4
MetLife	$11,629,575	+3.7%	4	4.2
Hartford	$3,112,894	+2.2%	0	4.2
Liberty Mutual	$54,277,577	+2.0%	13	4.4
USAA	$39,743,829	+1,8%	4	4.6
Progressive	$116,721,621	+2.0%	9	4.3
Travelers	$24,232,765	+2.2%	1	4.5
EMC	$1,985,548	+2.8%	7	3.9
Allied	$2,428,437	+2.7%	3	4.1
MiddleOak	$1,532,990	+3.8%	3	3.9
Providence Mutual Fire	$10,337,228	+1.9%	3	4.1
Amica	$82,552,511	+2.9%	3	3.9
Harleysville	$3,126,476	+3.5%	0	3.9
Nationwide	$47,186,516	+2.9%	22	3.9
Esurance	$13,576,321	+2.7%	2	4.2
Geico	$87,615,729	+2.2%	21	4.3
National General	$2,573,327	+2.1%	3	3.9
Safeco	$1,523,338	+2.4%	1	3.8
The General	$2,109,732	+4.1%	5	3.7

Rhode Island Auto Insurance Rates by City

Below I have compiled a list of cities with population and average quote.

Your policy price can vary by city or zip code (read more: Understanding How Car Insurance Premiums Are Calculated). 

Your best option is to get quotes to find savings.

If you want a more detailed comparison of larger cities in Rhode Island, please see below

City	Avg. Premium	Population	City	Avg. Premium	Population
Middletown	$1,465	16,150	Jamestown	$1,490	5,405
Barrington	$1,678	16,310	Middletown	$1,341	16,081
Bristol	$1,754	22,954	Smithfield	$1,349	21,430
Manville	$1,698	3,221	Newport	$1,456	24,672
Central Falls	$1,819	19,376	North Kingstown	$1,456	26,486
Charlestown	$1,627	7,827	North Scituate	$1675	10,329
Chepachet	$1,605	1,675	Pascoag	$1,575	4,577
Coventry	$1,844	35,014	Pawtucket	$1,913	71,148
Cumberland	$2,138	33,506	Peace Dale	$1,484	8,487
East Greenwich	$1,755	13,146	Portsmouth	$1,343	17,389
East Providence	$1,833	47,037	Tiverton	$2,254	15,780
Exeter	$1,679	6,425	Riverside	$1,876	18,000
Foster	$1,592	4,606	Rumford	$1,654	47,037
Lincoln	$1,358	21,105	Woonsocket	$1,567	41,186
Greenville	$1,717	8,658	Westerly	$1,539	22,787
Harmony	$1,674	1,000	Warren	$1,245	10,611
Harrisville	$1,562	1,605	Wakefield	$1,329	8,487

Providence, RI

To get a cheaper premium in Providence, start by getting quotes from Allstate, Liberty Mutual, and Travelers.

I queried each at $1,522, $1,576, and $1,629 respectfully for a 30-year-old driver.

Which is 29% lower than the average premium rate of $2,387 per year.

A 45-year-old can find cheap quotes with Allstate and Liberty Mutual.

Each queried at $1,096 and $1,137 for full coverage.

Or nearly 30% lower than the “mean” quote in Providence.

For a 55-year-old, the quotes clustered between $812 and $925.

With Allstate being the least expensive at $812 per year for full coverage.

Or 26% lower than the average premium of a driver with a similar profile.

Providence Company	30 Y/O	45 Y/O	55 Y/O
Allstate	$1,522	$1,096	$812
Liberty Mutual	$1,576	$1,137	$823
Travelers	$1,629	$1,189	$844
MetLife	$1,680	$1,243	$895
Quincy Mutual	$1,755	$1,270	$925

Warwick, RI

To find the cheapest policy in Warwick, start by getting quotes from Liberty Mutual, Travelers, and Quincy Mutual.

I queried each at $1,722, $1,765, and $1,843 for a 30-year-old driver.

Which is 19% lower than the average premium of $1,968 for Liberty and Travelers.

A 45-year-old can find low quotes with Liberty Mutual, Travelers, and Quincy.

Each queried at $1,121, $1,145, and $1,189 respectfully for full coverage.

Or approximately 21% lower than the “mean” premium quote in Warwick.

A 55-year-old can find low rates with Liberty and Travelers.

I queried both at $887 and $900 for full coverage.

Which is 20% lower than the citywide average premium for a driver of the same age and profile.

Warwick Company	30 Y/O	45 Y/O	55 Y/O
Liberty Mutual	$1,722	$1,121	$887
Travelers	$1,765	$1,145	$900
Quincy Mutual	$1,843	$1,189	$912
Allstate	$1,876	$1,245	$922
Amica	$1,954	$1,267	$955
Encompass	$2,087	$1,300	$986

Cranston, RI

If you are in the market for a cheaper premium, start by getting quotes from Travelers and Quincy Mutual.

I queried each at $1,623 and $1,658 for a 30-year-old driver with full coverage.

Both insurers are 22% lower than the citywide average premium of $1,974 per year.

A 45-year-old can find low quotes with Travelers, Quincy, and Allstate.

Each queried at $1,029, $1,086, and $1,143 for full coverage. Which is 20 to 22% lower than the “mean” rate.

A 55-year-old can quotes clustering between $794 and $887.

Travelers is the cheapest at $794 for a full coverage premium.

Or 24% lower than the “mean” quote of $1,055 for a driver of similar age and profile.

Cranston Company	30 Y/O	45 Y/O	55 Y/O
Travelers	$1,623	$1,029	$794
Quincy Mutual	$1,658	$1,086	$799
Allstate	$1,700	$1,143	$814
Amica	$1,725	$1,210	$843
Encompass	$1,854	$1,243	$887

Pawtucket, RI

To find the cheapest car insurance in Pawtucket, start by getting quotes from Allstate, Travelers, and Quincy Mutual.

I queried each at $1,521, $1,547, and $1,590 for a 30-year-old driver.

Which is 22% lower than the citywide “mean” premium rate of $1,870 per year.

A 45-year-old can the lowest quotes with Allstate.

With a quote at $987 for full coverage, this is 23% lower than the average premium.

Travelers is only $22 more at $1,009. While Quincy, I queried at $1,048.

A 55-year-old can cheap quotes with Allstate, Travelers, and Quincy Mutual.

Each queried at $759, $780, and $805 for full coverage.

Which is 24% lower than the “mean” rate for a driver of similar age and profile in Pawtucket.

Pawtucket Company	30 Y/O	45 Y/O	55 Y/O
Allstate	$1,521	$987	$759
Travelers	$1,547	$1,009	$780
Quincy Mutual	$1,590	$1,048	$805
Amica	$1,652	$1,128	$832
Encompass	$1,708	$1,176	$885

Johnston, RI

If you want to get the least expensive policy, start with Allstate, Travelers, and Quincy Mutual.

I queried each at $1,432, $1,558, and $1,600 for a 30-year-old driver.

Allstate is 25% lower than the “mean” rate. In comparison, Travelers and Quincy Mutual are 20% lower.

It would be smart to get quotes from all carriers illustrated for the most savings.

A 45-year-old can find low rates with Allstate and Travelers.

Each queried at $975 and $990. Both carriers are 25% lower than the median quote for a similar driver.

A 55-year-old can find low quotes with any insurers illustrated.

With quotes clustering between $723 and $841.

Allstate is the cheapest at $723.

Which is 24% lower than the median rate in Johnston.

Johnston Company	30 Y/O	45 Y/O	55 Y/O
Allstate	$1,432	$975	$723
Travelers	$1,548	$990	$744
Quincy Mutual	$1,600	$1,032	$769
Amica	$1,611	$1,076	$804
Encompass	$1,684	$1,141	$841

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The Final Word on Rhode Island Car Insurance

Drivers who have been in just one accident have rates that are 18% more expensive on average than rates for drivers without an accident history.

Drivers should always shop around online or ask their agent for at least three car insurance quotes if they’re looking for affordable auto insurance rates.

By comparison, the average cost of car insurance in Rhode Island overall is $887 per year.

Sources

http://www.dbr.ri.gov/

http://www.dbr.ri.gov/documents

https://dbr.ri.gov/divisions/insurance/

https://www.census.gov/quickfacts/fact

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