Rhode Island Car Insurance FAQ - Quick Answers

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 money. 

While every Rhode Island car insurance policy is customized, check out these common coverages:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Medical Payments: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Comprehensive: Pays for damage from non-collision events such as hail.
  • Collision: Pays for a collision with another vehicle, animal, or property.

In Rhode Island, you are required to carry the following minimum liability limits in order to use the roadways:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability

In Rhode Island, 15.2% of the driving population is currently uninsured. This puts you and your loved ones at risk every time you're on the road. Fortunately, you can obtain uninsured motorist coverage that helps pay for your loss when an uninsured driver is at fault for a collision.

When it comes to working with the best car insurance company, there are many moving parts. In Rhode Island, Progressive, Stillwater, and Selective insurance companies are rated among the top carriers. These markets are known for their excellent claims service and superior coverage selection.

There are currently many independent insurance agents and agencies in Rhode Island who are ready to help. These experienced agents are free to work with many highly rated carriers that they quote your coverage through. 

There are many things that can make your Rhode Island car insurance more expensive. Here are the top factors carriers look at when rating your policy:

  • Your age
  • Your driving history
  • Past claims filed
  • Value and type of vehicle
  • Coverages selected
  • Radius in which you travel

Do You Know What Your Car Insurance Covers in Rhode Island?

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
East Providence24.21.47$1,823
West Warwick240.66$1,710