Compare Providence, RI Car Insurance Rates (2021)

Car insurance in Providence, RI averages $548 a month. Providence, Rhode Island car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Providence car insurance rates, compare quotes from the top car insurance companies in Providence, RI.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Providence, RI after a DUI are $7,852/year
  • Average car insurance rates in Providence, RI are $6,571/year
  • The cheapest car insurance company in Providence is State Farm

If you need to buy Providence, Rhode Island car insurance, the options can be confusing. Everything you need to know about car insurance in Providence, RI is right here.

You’ll find Providence car insurance rates, the cheapest Providence, RI car insurance companies, and information on Rhode Island car insurance laws. You can also compare Providence, Rhode Island car insurance rates to Warren car insurance rates, Tiverton car insurance rates, and Lincoln car insurance rates.

Ready to find affordable Providence, RI car insurance today? Enter your ZIP code for fast, free Providence car insurance quotes.

Cheapest Providence, RI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Providence, RI car insurance rates? Every Providence, Rhode Island car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Providence, Rhode Island

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,977 $4,879 $4,951 $5,176 $8,548 $10,148 $5,201 $5,358
GEICO $4,566 $4,680 $4,680 $4,576 $14,256 $18,661 $4,732 $4,942
Liberty Mutual $5,672 $5,672 $5,394 $5,394 $14,083 $22,119 $5,672 $7,804
Nationwide $3,763 $3,831 $3,260 $3,484 $10,387 $13,497 $4,539 $4,969
Progressive $3,353 $3,185 $3,087 $3,066 $15,000 $16,894 $4,095 $4,168
State Farm $1,852 $1,852 $1,629 $1,629 $5,043 $6,726 $2,033 $2,413
Travelers $2,226 $2,255 $2,264 $2,254 $23,554 $37,455 $2,292 $2,561
USAA $2,403 $2,388 $2,294 $2,259 $11,054 $12,637 $3,287 $3,469

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Minimum Car Insurance in Providence, RI

Every driver must carry the minimum car insurance in Providence, RI. Take a look at the Rhode Island car insurance requirements.

Minimum Required Car Insurance Coverage in Providence, Rhode Island

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Providence, RI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Providence, RI. Compare credit history car insurance rates in Providence from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Providence, Rhode Island

Insurance Company Poor Fair Good
Allstate $7,737 $5,926 $4,802
GEICO $8,556 $7,424 $6,929
Liberty Mutual $11,856 $7,819 $7,254
Nationwide $6,943 $5,696 $5,260
Progressive $7,408 $6,432 $5,978
State Farm $3,895 $2,629 $2,167
Travelers $9,817 $9,146 $9,110
USAA $7,402 $4,185 $3,334

Cheapest Providence, RI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Providence, RI to rates for a clean record with top companies.

Annual Providence, Rhode Island Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,449 $6,245 $6,948 $5,978
GEICO $4,916 $6,487 $12,954 $6,190
Liberty Mutual $8,413 $9,672 $9,407 $8,413
Nationwide $5,634 $6,038 $6,412 $5,782
Progressive $5,373 $8,574 $6,049 $6,428
State Farm $2,692 $3,512 $2,692 $2,692
Travelers $8,385 $8,676 $10,810 $9,560
USAA $3,613 $4,900 $7,541 $3,841

Cheapest Providence, RI Car Insurance for Teen Drivers

Teen car insurance in Providence, RI can be expensive. Take a look at rates from the top car insurance companies in Providence for teenagers.

Annual Car Insurance Rates for Teen Drivers in Providence, Rhode Island

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,548 $10,148
GEICO $14,256 $18,661
Liberty Mutual $14,083 $22,119
Nationwide $10,387 $13,497
Progressive $15,000 $16,894
State Farm $5,043 $6,726
Travelers $23,554 $37,455
USAA $11,054 $12,637

Cheapest Providence, RI Car Insurance for Seniors

Take a look at Providence, RI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Providence, Rhode Island

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,951 $5,176
GEICO $4,680 $4,576
Liberty Mutual $5,394 $5,394
Nationwide $3,260 $3,484
Progressive $3,087 $3,066
State Farm $1,629 $1,629
Travelers $2,264 $2,254
USAA $2,294 $2,259

Cheapest Providence, RI Car Insurance Rates After a DUI

A DUI in Providence, RI increases car insurance rates. Compare Providence, Rhode Island DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Providence, Rhode Island

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,948
GEICO $12,954
Liberty Mutual $9,407
Nationwide $6,412
Progressive $6,049
State Farm $2,692
Travelers $10,810
USAA $7,541

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Cheapest Providence, RI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Providence, RI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Providence, Rhode Island

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,107 $6,203
GEICO $7,481 $7,792
Liberty Mutual $8,677 $9,276
Nationwide $5,966 $5,966
Progressive $6,606 $6,606
State Farm $2,807 $2,987
Travelers $9,358 $9,358
USAA $4,926 $5,022

Cheapest Providence, RI Car Insurance Rates by ZIP Code

Providence car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Providence, RI.

Annual Car Insurance Rates by ZIP Code in Providence, Rhode Island

ZIP Code Average Annual Rates
2903 $6,360
2904 $6,467
2905 $6,923
2906 $5,882
2907 $7,262
2908 $7,060
2909 $7,237
2912 $6,185
2918 $6,116

The Best Cheap Car Insurance Companies in Providence, RI

Take a look at a side-by-side comparison of the top car insurance companies in Providence, RI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Providence, Rhode Island

Insurance Company Average Annual Rates
Allstate $6,155
GEICO $7,637
Liberty Mutual $8,976
Nationwide $5,966
Progressive $6,606
State Farm $2,897
Travelers $9,358
USAA $4,974

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Category Winners: Cheapest Car Insurance in Providence, Rhode Island

Find the cheapest car insurance companies in Providence, RI for each category right here.

Best Annual Car Insurance Rates by Company in Providence, Rhode Island

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

Cheapest Providence, RI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Providence car insurance rates. Find the cheapest Providence, RI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Providence, Rhode Island

Insurance Company Low Medium High
Allstate $5,774 $6,136 $6,554
GEICO $7,205 $7,619 $8,086
Liberty Mutual $8,465 $8,941 $9,522
Nationwide $6,173 $6,015 $5,711
Progressive $6,144 $6,555 $7,119
State Farm $2,732 $2,893 $3,067
Travelers $9,494 $9,532 $9,047
USAA $4,749 $4,977 $5,195

What affects car insurance rates in Providence, Rhode Island?

What factors can have an impact on Providence, RI car insurance? There are several reasons why Providence car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Providence, Rhode Island.

Car Theft in Providence

High levels of vehicle theft can make car insurance more expensive. Providence, RI car theft statistics from the FBI indicate 552 vehicle thefts a year.

Commute Time in Providence

The more time you spend in your car the higher the risk of an accident. The average commute length in Providence, RI is 24.2 minutes according to City-Data.

Traffic in Providence

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Providence, RI traffic data from INRIX ranks Providence as the 152nd-most congested in the world.

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Compare Car Insurance Quotes in Providence, RI

Ready to find affordable Providence, Rhode Island car insurance today? Enter your ZIP code for fast, free Providence, RI car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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