Cheapest Car Insurance in Rhode Island for 2025

Cheapest Minimum Coverage Car Insurance in Rhode Island

Most states, including Rhode Island, require drivers to purchase a minimum amount of liability coverage to drive legally. Liability coverage includes bodily injury liability, which helps pay for medical care if you injure another party in an accident, and property damage liability, which helps cover damages you cause to another person's vehicle or property.

Rhode Island requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury and $25,000 per accident for property damage. Alternatively, you can buy $75,000 in combined bodily injury and property damage coverage.

You can keep your car insurance costs down by purchasing just the minimum liability insurance that Rhode Island requires, but that may not offer enough financial protection in case of an accident. Insurance professionals typically recommend buying coverage of at least $100,000 per person and $300,000 per accident for bodily injuries and $100,000 for property damage.

Learn more: How Much Car Insurance Do I Need?

The table below shows the companies that offer the cheapest minimum coverage auto insurance policies in Rhode Island.

Source: Experian data as of August 2025
Note: Costs above represent insurance quotes, not policy premiums

Cheapest Full Coverage Car Insurance in Rhode Island

Buying full coverage auto insurance adds comprehensive and collision coverage to your liability coverage. Most lenders or lessors will require full coverage auto insurance if you lease or finance your vehicle.

• Collision coverage pays to repair or replace your car if it's damaged in a collision with another car, an object or an animal.
• Comprehensive coverage covers repair or replacement of your car if it's damaged by a covered risk when you aren't driving. For example, your comprehensive insurance generally covers damage from hail or a falling tree, theft or vandalism.

The table below shows the carriers offering the cheapest full coverage auto insurance policies in Rhode Island.

Source: Experian data as of August 2025
Note: Costs above represent insurance quotes, not policy premiums

Learn more: Average Cost of Car Insurance in the US

Cheapest Car Insurance for Young Drivers in Rhode Island

Insuring new drivers can be expensive. Younger drivers usually pay more for car insurance because they're statistically more likely to get into car accidents, according to the Insurance Institute for Highway Safety (IIHS). In the U.S., teen male drivers pay $3,501 annually for car insurance on average and teen female drivers pay $3,309 annually for car insurance, according to Experian data.

Car insurance rates are usually highest for 16-year-olds and begin dropping when your child turns 25. Until then, you can lower the cost of car insurance by adding your child to your auto insurance instead of purchasing a separate policy. A teenager on your policy benefits from the lower rates you may enjoy due to years of driving experience, homeownership or being married.

In addition, many insurance companies discount car insurance for young drivers if they have good grades, attend college far from home without a car or complete a safe driving course.

If your young driver has a lot of accidents or moving violations, your car insurance premiums are likely to rise. In this situation, buying separate coverage for your child from an insurance provider focused on high-risk drivers could save you money.

The table below shows the insurance providers offering the cheapest full coverage car insurance in Rhode Island for drivers ages 16 to 25.

Source: Experian data as of August 2025
Note: Young drivers include those ages 16 to 25; costs above represent insurance quotes, not policy premiums

Cheapest Car Insurance for Seniors in Rhode Island

Your car insurance premiums typically decrease as you get older and gain more driving experience, but usually start to rise again around age 70. Drivers 70 years of age and older are more likely to be involved in serious accidents, which can mean more insurance claims and higher premiums.

That said, it's possible to find cheap car insurance for seniors. For example, some carriers offer mature driver discounts when you reach a certain age. You might also earn an auto insurance discount if you're a retired military servicemember or have been accident-free for a certain number of years.

The table below shows the car insurance companies offering the cheapest full coverage car insurance for seniors in Rhode Island.

Source: Experian data as of August 2025
Note: Senior drivers include those ages 65 and up; costs above represent insurance quotes, not policy premiums

It's a good idea to reassess your car insurance needs as you get older and your driving habits change. For instance, retirement may mean trading a long commute for days at home, which could qualify you for a more affordable low-mileage car insurance policy. On the other hand, you might be driving more than ever if you have plans to road trip across the country, which could require other adjustments to your coverage.

Learn more: How to Buy Car Insurance as a Senior

Car Insurance for Prior Incidents in Rhode Island

Driving safely can lower your odds of having an accident or getting a traffic citation; this can pay off in lower insurance premiums. Rhode Island drivers with a clean driving history (no incidents or violations on their motor vehicle record) pay an average of $3,055 annually for auto insurance. Nationally, drivers with a clean driving record pay an average of $2,185 annually or $182 per month. One moving violation brings those premiums to an average of $2,655 per year.

Conversely, a driving record showing moving violations or accidents (even if you weren't at fault) could lead car insurance companies to consider you a high-risk driver and raise your rates. Having multiple car accidents or a history of serious infractions such as DUIs typically has a bigger impact on your auto insurance premiums and could even lead your insurance company to cancel your policy.

Learn more: How to Get Affordable Car Insurance as a High-Risk Driver

You can find affordable auto insurance even without a spotless driving record, though. The table below shows the average cost of auto insurance for drivers who have negative marks on their motor vehicle records. (Incidents include things like traffic accidents or insurance claims; violations include moving violations, such as speeding tickets.)

Source: Experian data
Note: Costs above are a blended average of full and minimum coverage policies sold through Experian's marketplace

Minimum Required Coverage in Rhode Island

Rhode Island requires drivers to carry the following minimum car insurance coverage.

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

Alternatively, you can opt to buy a minimum of $75,000 in combined property damage and bodily injury liability coverage.

How to Save Money on Car Insurance

You'll have more money for your big financial goals if you pay less for auto insurance. Try these tips to save on car insurance.

Increase Your Deductible

The deductible is the amount you're typically responsible for paying when you file a car insurance claim. Insurance companies generally let you choose a deductible of $250 to $2,000 when you buy car insurance. In general, raising your deductible will lower your premiums.

Before increasing your deductible, however, make sure you could afford the higher amount if you ever filed an auto insurance claim. Assess the state of your emergency fund as well as your other financial resources. Your insurance provider can explain how various deductibles would affect your premiums.

Look for Discounts

Check with your current car insurance company to see if they offer any discounts that you aren't already using. Then visit other providers' websites to see what types of discounts they have available.

Among the most common car insurance discounts are savings for bundling home and auto insurance, paying the annual premium upfront, eliminating paper statements or setting up automatic payments of your premiums. Many insurers also offer discounts for getting insurance quotes online or signing documents digitally. Don't forget to check with your workplace and any membership organizations you belong to. They may offer discounts on auto insurance too.

Eliminate Unneeded Coverage

You may be paying for car insurance extras that you don't really need, such as rental car reimbursement, windshield replacement or roadside assistance coverage. While these can be nice to have, they're also an easy place to cut costs. Assess whether the cost of the coverage is worth the potential savings. For instance, rental car reimbursement coverage may be worthwhile if you're a one car family, but not if you can borrow your spouse's car while yours is in the shop.

If your car is paid off and not worth very much, you may save money by dropping collision and comprehensive coverage. Since collision and comprehensive coverage won't pay out more than the vehicle's value, it's not always worth the cost if your car is only worth a few thousand dollars. Just be sure you could afford to replace or repair your vehicle out of pocket if it were totaled.

Learn more: Top Car Insurance Discounts

Drive Less

The more miles you drive, the greater your chances of getting into an auto accident. That's why many car insurance providers give discounts to customers who drive fewer than 12,000 miles per year. To reduce your mileage and your insurance bill, consider options such as taking public transportation, walking, carpooling or biking. You can also look into switching to remote work if your job allows.

Usually, low-mileage car insurance policies track your mileage with self-reported or third-party odometer readings or devices installed in your vehicle. Another option is pay-per-mile car insurance, which charges a monthly base rate plus a per-mile charge for each additional mile you drive.

Drive Safely

You can help keep your car insurance costs down by maintaining a clean driving record. Make it a goal to go without any accidents or moving violations. If you'd like a refresher on the rules of the road, many insurance companies offer discounts for completing an approved safe driving or defensive driving course.

Improve Your Credit

Insurance companies in most states, including Rhode Island, are allowed to review your credit-based insurance score when they're determining your premiums. A poor score could mean paying a higher price for auto insurance. Although your credit-based insurance scores aren't the same as your consumer credit scores, they are based on much of the same data. Taking action to improve your consumer credit score could positively impact your credit-based insurance score, which might save you money on car insurance.

Compare Prices

Each insurance company uses unique criteria when setting rates. As a result, the price you're quoted for car insurance can differ greatly from one insurance carrier to another. Comparing quotes from a variety of insurance companies is a good way to find the lowest prices on car insurance. Make it a habit to get quotes from several different providers at least once a year or whenever your current policy is nearing renewal.

You can get car insurance quotes at insurance company websites or by contacting insurers directly. Since this can be time-consuming, you may want an easier way to explore your options. Experian's free car insurance comparison tool can help. It collects car insurance quotes from multiple top insurance companies in Rhode Island, making it easy to see which carrier offers the cheapest car insurance.

Cheapest Car Insurance by State

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