Fast, Free Auto Insurance Quotes

Rhode Island drivers may struggle to find cheap car insurance rates. After all, the state has the more expensive auto insurance premiums than over half the nation. EverQuote recently reviewed car insurance quotes to provide Rhode Island drivers with helpful information to evaluate quotes and identify the cheapest options. We found that rates vary greatly depending on the Ocean State city or town you live in and the car insurance provider you choose to insure with. To be positive that you have a great deal, we advise drivers to shop around and compare rates. Put in your location above to start your search, or find out more info about our study below.


Cheapest Auto Insurance in Rhode Island

To help Rhode Island drivers save, we reviewed the average monthly payments for different auto insurance providers reported by EverQuote users. To establish a fair scale for the comparison of our RI numbers, we focused on the case of a single driver profile: a male with a violation-free driving history looking to insure just one full-size or mid-size car. This table shows the monthly payments for the eight cheapest car insurance carriers in the Ocean State, ranked from lowest to highest cost.

Rank Car Insurance Carrier Average Yearly Cost Average Monthly Payment
1 Nationwide $1,788 $149
2 GEICO $1,860 $155
3 Liberty Mutual $1,866 $156
State Average $1,884 $157

Fast, Free Auto Insurance Quotes

According to our study, Nationwide offered the cheapest car insurance in Rhode Island, with an average yearly premium of $1,788. Other cheap providers include GEICO and Liberty Mutual.

Cheapest Car Insurance in Rhode Island by City}

Rhode Island may have one of the highest costs of car insurance in the nation, but not all cities see those expensive rates. We looked at the rates in five cities throughout Rhode Island for the same benchmark driver profile and found that motorists can save over $350 per year by going with a more affordable auto insurance provider. Woonsocket, known as a “City on the Move”, sees the cheapest car insurance rates in the state. Other Little Rhody cities like Warwick and Pawtucket also see more affordable costs for car insurance.

Rank CA City Average Yearly Cost Average Monthly Payment
1 Woonsocket $1,770 $148
2 Warwick $1,848 $154
State Average $1,884 $157
3 Pawtucket $2,016 $168
4 Providence $2,088 $174
5 Cranston $2,130 $178

Methodology For This Study

EverQuote collected self-reported monthly premiums from over two million users looking to save money on car insurance. This data, along with those users' current car insurer and ZIP code at the time of entry, allowed us to produce the study you see here. EverQuote users differ from one another in many ways that can influence the price of car insurance. The age and gender of a driver as well as the number of drivers and cars in a household are just a few of factors that can affect the cost of car insurance. To ensure a logical comparison of our numbers, we compared the premiums reported by a subset of users who are alike.