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: Mar 23, 2021

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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.

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 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.

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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.

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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