Compare Providence, RI Car Insurance Rates (2021)

The cheapest Providence, RI car insurance is offered by State Farm. Auto insurance in Providence must meet the minimum Rhode Island state requirements of 25/50/25 for both liability and uninsured/underinsured motorists coverages. Compare rates online to find the cheapest Providence, RI car insurance rates near you.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Aug 19, 2021

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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Here's what you need to know...

  • State Farm has the cheapest car insurance in Providence, RI
  • Rhode Island has the sixth most expensive car insurance in the U.S.
  • Heavy traffic contributes to the high cost of auto insurance in Providence

Providence, RI car insurance is quite expensive. This is partly because heavy traffic makes Rhode Island car insurance the sixth most expensive in the U.S.

But, drivers can still find cheap auto insurance in Providence. The best way to find affordable Providence, RI car insurance is to shop around to find the best prices since every auto insurance company will charge different rates.

Monthly Providence, RI Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Providence, RI auto insurance rates by ZIP Code below:

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Providence, RI Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Providence, RI against other top US metro areas’ auto insurance costs.

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This makes it necessary to compare quotes. Enter your ZIP code now to compare Providence, RI car insurance quotes from local companies for free.

What is the cheapest car insurance company in Providence, RI?

The cheapest car insurance company in Providence is State Farm, although rates will vary from driver to driver.

The cheapest Providence, RI car insurance providers can be found below. You also might be wondering, “How do those Providence, RI rates compare against the average Rhode Island car insurance company rates?” We uncover that too.

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The top-rated Providence, RI car insurance companies listed from cheapest to most expensive are:

  • State Farm – $2,897.12
  • USAA – $4,973.73
  • Nationwide – $5,966.30
  • Allstate – $6,154.90
  • Progressive – $6,605.88
  • GEICO – $7,636.69
  • Liberty Mutual – $8,976.30
  • Travelers – $9,357.66

There are many different factors affecting car insurance rates in Providence, RI, such as age, gender, marital status, driving record, ZIP code, and credit history.

Providence, Rhode Island car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

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Your coverage level will play a major role in your Providence, RI car insurance costs. Find the cheapest Providence, Rhode Island car insurance costs by coverage level below:

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Your credit score will play a major role in your Providence, RI car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Providence, Rhode Island car insurance costs by credit score below.

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Your driving record will affect your Providence, RI car insurance costs. For example, a Providence, Rhode Island DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Providence, Rhode Island car insurance costs by driving record.

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Controlling these risk factors will ensure you have the cheapest Providence, Rhode Island car insurance. Factors affecting car insurance rates in Providence, RI may include your commute, coverage level, tickets, DUIs, and credit.

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Age is a significant factor for Providence, RI car insurance rates. Young drivers are often considered high-risk. This Providence, Rhode Island does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Providence, RI.

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What car insurance coverage is required in Providence, RI?

In Providence, RI, drivers have to carry at least the required state car insurance coverage. The required car insurance in Rhode Island is:

  • $25,000 per person and $50,000 per incident for bodily injury liability
  • $25,000 per incident for property damage
  • $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

When it comes to car insurance Rhode Island is an at-fault state. This means that the at-fault driver in the accident will be responsible for damages, as much as they are at fault. Drivers only cover the costs of the accident equal to how much fault they had in the crash.

For example, if you are 100 percent at-fault, you and your insurance company will pay for 100 percent of the damages. However, if you are only 50 percent at fault, you will only have to cover half of the damages.

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What affects car insurance rates in Providence, RI?

RI, Providence, is rather heavily populated, meaning heavy road traffic. More traffic equals more incidents.

INRIX ranks Providence as the 16th most congested city in the U.S. and 74th most congested city in the world.

City-Data reports that Providence, RI drivers’ average commute time is less than 25 minutes. Although the majority of drivers choose to drive alone, a good number carpool or walk to work.

Also, the FBI shows that there were 580 motor vehicle thefts in Providence. That’s about one theft for every 310 people.

Providence, RI Car Insurance: The Bottom Line

Shop around before you buy Providence, RI car insurance since it is so expensive. Compare quotes from multiple companies to find the best coverage at the right price for you.

Enter your ZIP code now to compare Providence, RI car insurance rates, and find the cheapest auto insurance.

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

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Monthly Providence, RI Car Insurance Rates by ZIP Code
Providence, RI Car Insurance Rates vs. Top US Metro Car Insurance Rates
Providence, RI Car Insurance Rates by Company vs. City Average
Providence, RI Car Insurance Rates by Company and Age
The Cheapest Providence, RI Car Insurance Rates by Coverage Level
The Cheapest Providence, RI Car Insurance Rates by Credit Score
The Cheapest Providence, RI Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Providence, RI
Average Monthly Car Insurance Rates by Age & Gender in Providence, RI
Monthly Providence, RI Car Insurance Rates by ZIP Code
Providence, RI Car Insurance Rates vs. Top US Metro Car Insurance Rates
Providence, RI Car Insurance Rates by Company vs. City Average
Providence, RI Car Insurance Rates by Company and Age
The Cheapest Providence, RI Car Insurance Rates by Coverage Level
The Cheapest Providence, RI Car Insurance Rates by Credit Score
The Cheapest Providence, RI Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Providence, RI
Average Monthly Car Insurance Rates by Age & Gender in Providence, RI