Commonly Asked Questions about Car Insurance in Rhode Island

On average, Rhode Island drivers pay $1,656 per year for their car insurance. 

This is significantly higher than the national average cost of $1,311 per year. Shopping around for the best rate has the potential to save you hundreds of dollars a year. 

As a vehicle owner in Rhode Island, you can turn to a local independent insurance agent for help finding the right policy. These agents can obtain customized car insurance quotes from multiple insurance companies on your behalf that you can compare together. That way, you can be sure you are getting the coverage you need at a competitive price. 

Accidents can happen to anyone, even the most experienced driver. This is especially true when road conditions are hazardous, such as in the winter when roads can be slick with ice and sleet, and during torrential rainstorms, as is common during hurricane season.

If you are at fault for an accident, you can be held liable for compensating other people for their property damage and for the cost of medical treatment if they are injured in the collision. Given the high cost of health care in this country, an accident that involves injuries can be extremely expensive and could cause you a great deal of financial harm if you are not properly insured.

Here are a few of the ways that your Rhode Island auto insurance can help:

  • Fixes your car: Not required. This is called "comprehensive & collision coverage," and though it is not required by the state, it may be required by your lender.
  • Fixes someone else's car: Required/minimum $25,000. This is called "property damage liability." 
  • Pays your medical bills: Not required. This is called "personal injury protection" or "PIP." 
  • Pays someone else's medical bills: Required/minimum $25,000 per person and $50,000 per accident.

As a Rhode Island driver, you're required to have certain types of insurance coverage at specific limits. These coverages will pay for someone else's vehicle damage and medical bills for yourself and others involved in an accident. Most states have similar laws to make sure drivers are prepared for accidents they are involved in.

Rhode Island is what is referred to as an “at-fault” or “tort” state. This means that the driver who caused the accident is responsible for covering the cost of damage.

Driving without insurance in Rhode Island is a misdemeanor. If caught, you can face fines of up to $1,000 and have your license and registration suspended for up to one year. You will also need to pay fees to get your license and registration reinstated, and these fees can add up to more than $600. In other words, it’s just not worth it.

Despite these penalties, however, an estimated 15.2% of all drivers in this state are operating uninsured vehicles. This is higher than the national average rate of 13.0%.

If you are in an accident that was caused by an uninsured driver, that person is responsible for covering your damage and any related medical bills. However, if the uninsured driver simply doesn’t have the funds available, you may be forced to hire a lawyer and take legal action just to collect a fraction of what is due to you.

That is why uninsured motorist coverage can prove so beneficial. This mostly optional coverage can pay for your vehicle repairs and medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured. It also covers damage caused by hit-and-run drivers. Your insurance company will then take on the time-consuming responsibility of trying to collect the money owed by the at-fault driver. 

When it comes to car insurance, there is no single insurance company that can be considered the best choice for everyone. The company that offers the best value to a family with teen drivers in the household may not necessarily be the ideal choice for an elderly couple with a collection of classic cars.

The only way to figure out which insurance company is the best choice for you is by comparing policies and quotes from a few competing providers. Independent insurance agents make this easy by doing the legwork for you. These agents are free to work with a variety of insurance providers and can therefore obtain a selection of customized quotes that you can review together.

Yes! There are currently 151 independent insurance agents in Rhode Island who are ready to help.

These experienced agents are free to work with several different insurance providers to help you find the best rate for auto coverage. That way, you can be sure you are buying a competitively priced policy that meets all your coverage needs.

How does car insurance actually work?

Find the Best Insurance in Your City

How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto thefts / 1,000Annual insurance cost
Coventry24.81.03$1,903
Cranston21.31.17$1,844
Cumberland24.60.69$1,856
East Providence23.31.01$1,823
Johnston21.41.36$1,763
Newport17.31.05$1,578
North Kingstown25.40.61$1,888
North Providence21.81.17$1,764
Pawtucket25.93.20$2,072
Providence21.33.06$1,928
South Kingstown22.80.26$1,723
Warwick24.10.72$1,834
West Warwick21.30.88$1,710
Westerly22.30.44$1,717
Woonsocket25.01.70$1,977


  1. $161
  2. Providence, RI Car Insurance average monthly cost
  3. The average monthly cost of car insurance in Providence is $161.
  4. Residents of Providence tend to pay more than most others throughout the state because of the comparatively high auto theft and accident rates in this city. Of course, your actual price can differ significantly from this average. This is because insurance companies will take into account things like your age, gender, and driving record as well as details about your vehicle when they calculate your personalized quote.
  5. Whether you find yourself in a multi-vehicle collision on I-95 or you cause a fender bender on Broad Street, a good car insurance policy can cover your financial responsibilities. By purchasing a policy that includes collision coverage, you can be sure that damage to your own vehicle is covered, even if the accident is your fault.
  6. Consult an independent agent in Providence to learn more about how each of your various car insurance coverage options can prove beneficial to you.


  1. $154
  2. Cranston, RI Car Insurance average monthly cost
  3. The average monthly cost of auto insurance in Cranston is $154.
  4. When calculating your actual rate, insurance companies will take several factors into account, including your vehicle’s make, model and year, and details about you and the other licensed drivers in your household, including your ages and driving records. The amount of coverage you are purchasing, and the size of your deductible, can also have a large influence on your rates. Because of this, your actual monthly cost could be significantly higher or lower than the city’s average.
  5. Driving conditions in Rhode Island can sometimes be dicey. From roads that are slick with ice and sleet to torrential downpours that limit visibility, these hazardous conditions can sometimes cause even the most experienced drivers to make mistakes. Whether you cause a minor accident on Reservoir Avenue or a major collision on the Providence Beltway, an all-inclusive auto insurance policy can cover your losses and prevent you from facing expensive lawsuits.
  6. Set up a one-on-one consultation with an independent insurance agent in Cranston to learn how much it will cost you to purchase varying levels of liability coverage.


  1. $153
  2. Warwick, RI Car Insurance average monthly cost
  3. The average monthly cost of car insurance in Warwick is $153.
  4. However, you should take this average with a grain of salt. Your monthly cost could be higher or lower than this, since your Warwick auto insurance rate is completely personalized according to details about you, your driving history, your vehicle information, your deductible amount, and more.
  5. Accidents don’t just happen on highways. The Rhode Island Department of Transportation has identified the intersection of Toll Gate Road and Bald Hill Drive as one of the most hazardous in the city. The good news is, if you have a solid, all-inclusive car insurance policy backing you up, you do not have to worry about an accident having a negative impact on your finances. As long as your policy includes collision insurance, your vehicle’s damage will be covered, even if you are at fault for the accident.
  6. Find out more about collision insurance and your other coverage options by speaking with a local independent insurance agent.


  1. $173
  2. Pawtucket, RI Car Insurance average monthly cost
  3. The average monthly cost of car insurance in Pawtucket is $173.
  4. Of course, this is just an average. Your actual monthly cost could be higher or lower depending on a variety of factors such as your age, occupation, and driving record as well as details about the vehicles you wish to insure. Let an independent insurance agent compile a variety of customized Pawtucket car insurance quotes so you can find the policy that offers you the best value for your hard-earned money.
  5. Can you imagine leaving Narragansett Park Plaza after a day of shopping only to find that your car has been stolen? This is a valid concern in Pawtucket, where about 250 cars are reported stolen every year. Fortunately, if your car insurance policy includes comprehensive insurance, you can be reimbursed for your car’s value if this happens to you. This optional coverage can also compensate you for a wide range of non-collision damage such as that caused by fires, floods, and falling objects.
  6. Learn more about comprehensive coverage as well as the other coverage available to you by speaking with one of Pawtucket’s experienced independent insurance agents.


  1. $165
  2. Woonsocket, RI Car Insurance average monthly cost
  3. The average monthly cost of auto insurance in Woonsocket is $165.
  4. Because your car insurance rates are customized according to your personal details, your actual monthly cost could be considerably higher or lower than this amount. Several factors, such as your driving record, your vehicle’s year, make and model, and the amount of coverage you are purchasing, can influence how insurance companies calculate your price.
  5. The more time you spend behind the wheel of your car, the more likely you are to be involved in a collision. Residents of Woonsocket have some of the longest commute times in the state. This extra time spent getting to and from work can translate to higher costs for car insurance. If you work from home or use public transportation, you may qualify for a discount on your car insurance rates.
  6. Talk to an independent insurance agent in Woonsocket to find out if there are any car insurance discounts that you might be eligible to receive.