Cheapest Car Insurance In Rhode Island For 2024
Travelers is well-noted for its reliable and cost-effective vehicle insurance in Rhode Island.
We’ve saved shoppers an average of $600 per year on their car insurance.
Looking for affordable car insurance in Rhode Island can seem difficult, but it doesn’t have to be. Travelers is a top insurance company offering competitive rates and reliable service. Whether you need basic liability or full coverage, Travelers has options to suit your needs. With the cost of living on the rise, finding cheap car insurance without sacrificing coverage is more important than ever.
Whether you’re a new driver, an experienced one, or a family seeking lower premiums, understanding what factors influence rates and where to find the best deals can make a big difference. After over a decade of researching car insurance, I’ve put together a guide to simplify the process.
This guide will explain what affects insurance premiums and offer practical advice on finding the cheapest car insurance in Rhode Island while maintaining adequate coverage.
Cheapest Car Insurance Companies In Rhode Island
Cheapest Car Insurance In Rhode Island For Minimum Coverage
Those looking for affordable car insurance in Rhode Island should consider Travelers, with average monthly rates starting at $30 for minimal coverage.
| Provider | Average Monthly Cost | Average Annual Cost |
|
GEICO |
$100 |
$1,198 |
|
Travelers |
$30 |
$358 |
|
$32 |
$382 |
|
|
Progressive |
$69 |
$826 |
|
Allstate |
$60 |
$718 |
Rhode Island drivers are legally required to carry a minimum level of car insurance to operate their vehicles. This minimum insurance generally includes liability coverage, which is divided into bodily injury liability and property damage liability. Bodily injury liability helps pay for medical expenses, rehab, and legal fees if you’re at fault for an accident that injures someone.
Property damage liability covers the cost of repairing or replacing someone else’s property or vehicle if you’re responsible for the damage. These minimum coverage amounts are set by state law, though they can vary depending on your driving history and the type of vehicle you own. It’s important to ensure that you have adequate insurance coverage to stay compliant with the law and protect your financial interests.
Cheapest Car Insurance In Rhode Island For Good Drivers
The price of car insurance for safe drivers in Rhode Island can vary based on factors such as their driving history, age, and desired coverage. Typically, drivers with clean records may qualify for lower premiums because they present less risk to insurers. They may also be eligible for discounts for maintaining a good driving record over time. Safe drivers are encouraged to compare quotes from multiple insurers to find the best rates and coverage options tailored to their preferences.
| Provider | Average Monthly Cost | Average Annual Cost |
|
GEICO |
$100 |
$1,198 |
|
Travelers |
$30 |
$358 |
|
State Farm |
$32 |
$382 |
|
Progressive |
$69 |
$826 |
|
Allstate |
$60 |
$718 |
Cheapest Car Insurance In Rhode Island For Drivers With Poor Credit
Travelers rates for drivers with poor credit in Rhode Island start at $124 per month, the lowest available.
| Provider | Average Monthly Cost | Average Annual Cost |
|
Progressive |
$200 |
$2,398 |
|
Travelers |
$124 |
$1,486 |
|
Amica Mutual |
$134 |
$1,606 |
|
Allstate |
$222 |
$2,662 |
|
Nationwide |
$153 |
$1,834 |
Car insurance companies in Rhode Island use credit scores to evaluate a driver’s risk level, with lower scores typically resulting in higher premiums. Drivers with poor credit are considered more likely to file claims, which leads to increased insurance costs. Although drivers with low credit scores may struggle to find affordable insurance, comparing quotes and seeking out discounts can help them secure more favorable rates.
Cheapest Car Insurance In Rhode Island For Young Drivers
In Rhode Island, young adult drivers often experience cheaper car insurance rates than teenagers. This is because as they mature, they typically exhibit safer driving behaviors, resulting in fewer accidents and insurance claims. Insurance companies factor in these changes and offer lower premiums to young adults based on their improved safety records.
Cheapest Rhode Island Car Insurance For 16-Year-Olds
Nationwide offers the most competitive premiums for drivers aged sixteen, averaging $527 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $716 | $8,587 |
| Quincy Mutual Group | $859 | $10,309 |
| Amica | $890 | $10,677 |
| Nationwide | $527 | $6,319 |
| American Family | $646 | $7,753 |
Cheapest Rhode Island Car Insurance For 17-Year-Olds
Nationwide offers the cheapest insurance options for seventeen-year-olds, with premiums averaging $516.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $617 | $7,398 |
| Allstate | $692 | $8,301 |
| Quincy Mutual Group | $793 | $9,515 |
| Geico | $457 | $5,483 |
| Nationwide | $516 | $6,190 |
Cheapest Rhode Island Car Insurance For 18-Year-Olds
Nationwide provides the least expensive insurance options for 18-year-olds, with an average monthly premium of $506.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $506 | $6,064 |
| American Family | $591 | $7,084 |
| Allstate | $682 | $8,175 |
| USAA | $434 | $5,210 |
| Geico | $449 | $5,389 |
Cheapest Rhode Island Car Insurance For 21-Year-Olds
For 21-year-olds, USAA insurance premiums average $269 per month, the most affordable among competitors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Geico | $348 | $4,172 |
| Nationwide | $403 | $4,837 |
| Progressive | $462 | $5,539 |
| USAA | $269 | $3,226 |
| Travelers | $299 | $3,581 |
Cheapest Car Insurance In Rhode Island For Drivers With Prior Incidents
Drivers in Rhode Island who have experienced accidents, speeding tickets, or DUIs often encounter challenges in securing affordable car insurance. These incidents categorize them as high-risk to insurers, leading to higher premiums to cover the expected rise in claims. This trend is particularly evident in Rhode Island due to its higher rate of traffic accidents. Insurers determine their pricing strategies based on statistical analyses that indicate a link between previous driving incidents and an increased likelihood of future claims.
Cheapest Car Insurance In Rhode Island After A Speeding Ticket
For drivers with speeding tickets, State Farm average premiums are a wallet-friendly $87.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $169 | $2,019 |
| Nationwide | $170 | $2,027 |
| GEICO | $307 | $3,681 |
| State Farm | $87 | $1,034 |
| Travelers | $102 | $1,224 |
Cheapest Car Insurance In Rhode Island After An At-Fault Accident
State Farm $90 average premiums make it the least expensive option, tailored for drivers who have had at-fault accidents.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $100 | $1,198 |
| GEICO | $212 | $2,542 |
| Progressive | $130 | $1,558 |
| State Farm | $90 | $1,078 |
| Allstate | $124 | $1,486 |
Cheapest Car Insurance In Rhode Island For Drivers After A DUI
With State Farm, drivers facing a DUI can secure coverage at an average cost of $90, the lowest in the market.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $152 | $1,822 |
| Allstate | $188 | $2,254 |
| Nationwide | $228 | $2,734 |
| State Farm | $90 | $1,078 |
| GEICO | $592 | $7,102 |
Cheapest Full-Coverage Car Insurance In Rhode Island
Full coverage car insurance from Travelers is the most economical choice for Rhode Island drivers, averaging $82 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
|
Travelers |
$82 |
$982 |
|
Progressive |
$114 |
$1,366 |
|
Allstate |
$123 |
$1,474 |
|
Nationwide |
$112 |
$1,342 |
|
GEICO |
$185 |
$2,218 |
Full coverage car insurance in Rhode Island offers extensive protection by combining state-required liability coverage with extra options like collision and comprehensive insurance. Collision coverage helps pay for repairs if your vehicle is damaged in an accident, regardless of fault. Comprehensive coverage protects your vehicle from non-collision events, such as theft, fire, or weather-related damage. Full coverage provides peace of mind and financial security. It’s important to carefully review your policy, including limits and deductibles, to ensure it offers the right level of protection for your needs.
Cheapest Car Insurance In Rhode Island For Seniors
For seniors in Rhode Island, Travelers offers the most competitive rates, averaging just $75 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
|
Nationwide |
$110 |
$1,318 |
|
State Farm |
$83 |
$994 |
|
American Family |
$123 |
$1,474 |
|
Allstate |
$140 |
$1,678 |
|
Travelers |
$75 |
$898 |
Older drivers might receive reduced car insurance rates because they are typically experienced and safe on the road. Many seniors also drive fewer miles annually, which lowers their risk of accidents. Insurers often offer discounts for senior drivers, especially those who complete defensive driving courses. These courses aim to refresh their driving knowledge and encourage safer habits, resulting in additional potential savings.
Average Cost Of Auto Insurance In Rhode Island – By Age
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $776 | $9,313 |
| 17 | $723 | $8,674 |
| 18 | $801 | $8,531 |
| 19 | $597 | $7,157 |
| 21 | $485 | $5,811 |
| 25 | $308 | $3,692 |
| 35 | $245 | $2,941 |
| 45 | $241 | $2,885 |
| 55 | $226 | $2,711 |
| 65 | $260 | $3,111 |
Average Cost Of Car Insurance In Rhode Island – By Gender & Marital Status
| Gender | Marital Status | Average Annual Cost |
| Female | Single | $1,682 |
| Male | Single | $1,762 |
| Female | Married | $1,654 |
| Male | Married | $1,738 |
Average Cost Of Auto Insurance In Rhode Island – By Credit Tier
| Credit Tier | Average Monthly Cost | Average Annual Cost |
| Excellent | $145 | $1,738 |
| Good | $148 | $1,774 |
| Poor | $230 | $2,758 |
Cheapest Car Insurance In Rhode Island By City
| City | Average Monthly Cost | Average Annual Cost |
| West Warwick | $183 | $2,194 |
| Cumberland | $185 | $2,218 |
| Woonsocket | $186 | $2,230 |
| Lincoln | $203 | $2,434 |
| Smithfield | $204 | $2,446 |
Minimum Car Insurance Requirements In Rhode Island
Rhode Island minimum car insurance requirements include liability coverage for bodily injury and property damage, with limits typically stated as 25/50/25, meaning $25,000 per person, $50,000 per accident, and $25,000 for property damage. Personal Injury Protection (PIP) is also required, which covers medical bills and lost wages. Drivers who prefer to use their health insurance can choose the Health Insurance Primary (HIP) option instead of PIP, but it’s crucial to confirm if your health insurance qualifies for this coverage.
Car Insurance Discounts In Rhode Island
To maximize your car insurance savings, it’s important to explore discounts that match your needs. A conversation with your insurance agent could also uncover discounts you’re missing. Here are some common discounts:
- Safe Driver Discount: For maintaining a clean driving record.
- Multi-Vehicle Discount: You can save by insuring multiple vehicles under one policy.
- Bundling Discount: Available when you bundle car insurance with another policy, such as homeowners insurance.
- Good Student Discount: Offered to students who maintain strong academic performance.
- Defensive Driving Discount: Completing a defensive driving course can help you reduce your premiums.
Our Methodology
During our research, I adopted a systematic approach to gather and analyze data concerning various car insurance providers and policies. Initially, I pinpointed critical factors to evaluate, such as coverage options, pricing, customer satisfaction ratings, and the financial strength of insurers. Subsequently, I gathered information from reliable sources like insurer websites, consumer review platforms, and industry reports. Once the data was compiled, I categorized it and assessed each insurer based on predefined criteria. This included comparing coverage options, premium costs, discounts, and customer opinions to identify the strengths and weaknesses of each provider.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
How much is car insurance a month in Rhode Island?
Car insurance costs per month in Rhode Island are determined by factors such as age, driving record, and the driver’s chosen coverage options.
What is the minimum car insurance one must have in Rhode Island?
In Rhode Island, minimum car insurance includes liability coverage for bodily injury and property damage, alongside required Personal Injury Protection (PIP) coverage.
Which insurance is better in Rhode Island?
Selecting the perfect insurance in Rhode Island relies on personal preferences, driving patterns, and coverage requirements. It’s a good idea to shop around and compare quotes from different insurers to find your best match.
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