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Car Insurance in Rhode Island (Updated May 2024)

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Rhode Island Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Rhode Island specifically, drivers are paying 12% more for car insurance than the national average, with Full Coverage costing Rhode Island drivers an average of $212 per month

Similar to other states, the rates in Rhode Island can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Rhode Island. Read on to learn more about properly insuring your car in Rhode Island. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 


Rhode Island Car Insurance Laws

The car insurance requirements in Rhode Island include holding a minimum liability coverage policy. Anyone who operates a vehicle on Rhode Island’s public roads and highways must carry a valid policy.

Rhode Island’s car insurance minimums are:

  • $25,000 for bodily injury or death of one individual in an accident
  • $50,000 for bodily injury or death of two or more people 
  • $25,000 for property damage and destruction
  • $75,000 combined bodily injury, death, and property damage arising from one collision

Rhode Island’s car insurance liability requirements are equivalent to the national average. 

Proof of Insurance

You must carry proof of insurance whenever you operate a vehicle within [Rhode Island]. ” 


Driving without insurance in Rhode Island can result in a $500 fine. You must carry proof of your insurance whenever you operate a vehicle within the state. A court may impose additional penalties if you receive a citation for non-compliance. 

Rhode Island’s minimum liability coverage only protects others who suffer injury or death caused by an at-fault insured driver. If you wish to obtain additional coverage for your vehicle, you must purchase a comprehensive or collision policy. 

Rhode Island doesn’t have a new car insurance grace period. If you purchase a new or used vehicle, obtain appropriate coverage before driving.

Additional Coverage In Rhode Island

Bad weather can make driving in Rhode Island hazardous. Consider purchasing additional insurance to safeguard against weather risks. Individuals who rely on financing to buy a vehicle may be required to acquire collision and comprehensive coverage according to their loan contract. 

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Rhode Island?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Rhode Island?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Rhode Island?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.