Best Rhode Island Car Insurance

Major car insurance companies in RI include Progressive, Geico, and Allstate. The average rates for full coverage in the state are $101.61/mo. Compare quotes below for free.

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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: Jan 21, 2021

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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

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...

According to the Independent Insurance Agents of Rhode Island, most drivers in the state pay more than the national average for car insurance costs.

The average Rhode Island car insurance premium is $2,200, compared to the national average of $1,500.

According to the Rhode Island Department of Motor Vehicles, there are 308,689 registered drivers in the state with what feels like a similar amount of car insurance options.

Compare your options today and save with our free quote comparison tool above now!

Rhode Island Driver Car Insurance Requirements

  • Drivers must maintain at least $25,000 worth of bodily injury liability limits
  • Drivers must maintain at least $50,000 worth of bodily injury liability for accidents/deaths involving more than one individual
  • Drivers must maintain at least $25,000 worth of property damage liability
  • Drivers must maintain at least $25,000 worth of uninsured or under-insured motorist coverage

Rhode Island drivers must adhere to a Tort system that requires someone be found at fault. The individual found at fault and their insurance company are responsible for all accident-related damages.

Sorting through available car insurance options can be a daunting task for any driver. Some of the best car insurance companies in Rhode Island offer a variety of options with reasonable rates.

There is no one “best” company, since policyholder needs vary, but some offer better options, services and coverage than others.

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The company was one of the first to offer car insurance online. Rates vary based on a driver’s overall record but are statistically lower across the board than most insurance companies operating in Rhode Island.

Progressive customers report a higher than average level of customer service.

The company also has a higher than average customer retention rate. Industry rating agencies have presented the company with several honors.

The benefits are as follows:

  • Discounts are offered for coverage of multiple vehicles
  • Discounts are offered for maintaining a good driving record
  • A full policy prepayment discount of up to ten percent is offered
  • New customers who sign their car insurance documents online receive an automatic $50 discount
  • Customers have the opportunity to compare rates of other companies before making a final decision
  • Accident forgiveness is offered to drivers following their first accident under a new policy
  • Customers receive a discount for signing up for Progressive online
  • Discounts are offered for students


The company has a reputation for paying claims quickly. Rates vary per driver but are comparable to other companies operating in the state with some coverage options available at lower than average rates.

Geico gives customers three options to sign-up for a car insurance policy: online, in person with an agent and over-the-phone. Most customers rate the company above average in terms of online transactions, response to claims and overall customer service.

The company does offer policy adjustments when circumstances change or if a customer has a solid driving record.

The benefits are as follows:

  • Most claims are paid quickly
  • Customers have 24-hour access to account information via the company’s website
  • The company is reported as generally fair when it comes to filing a claim
  • Discounts are available for safe drivers
  • Discounts are available for student drivers
  • Agents are generally quick to respond and tend to follow up on claims within a reasonable amount of time

State Farm

State Farm has a reputation for solid customer service. Some customers report delays in receiving reimbursement for damages and related expenses, but overall customer support rates higher compared to similar companies operating in Rhode Island.

Agents are said to be extremely loyal to customers, with some staying with a customer even if they move to another city within the state.

Rates vary per driver but are reasonable when compared to state car insurance averages.

The benefits are as follows:

  • Liability car insurance also pays legal defense and court costs
  • Claims are generally handled quickly
  • Discounts are offered for those who maintain a good driving record
  • Coverage includes collision with another vehicle or object and vehicle rollover
  • Coverage includes rental of another vehicle as repairs are being made to a driver’s regular vehicle
  • Emergency road service, including towing, is available

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Allstate is said to offer better than average collision and comprehensive vehicle coverage. Allstate has an A+ rating, according to A.M. Best Insurance Reports.

The company, founded in 1931, offers comprehensive coverage throughout the U.S., including many locations in Rhode Island.

The company is known for its Accident Forgiveness Program. The company’s customer service is said to top-notch across the board. Several individual agents have been honored for their work.

The benefits are as follows:

  • An easy online quote tool shows customers what they can save if they switch from another company
  • Liability coverage includes payment of medical expenses, regardless of whom was at fault, even though Rhode Island requires fault of one party involved
  • Passengers in the car at the time of an accident may be covered to some degree, depending on circumstances
  • Discounts are offered to drivers who maintain a solid record
  • Accident forgiveness is offered to drivers who have an accident after the policy period starts
  • Customer information is available online

Liberty Mutual

The company’s auto insurance coverage is fairly standard in the benefits and car insurance discounts it offers to its policyholders.

Liberty Mutual has a Total Liberty Care Facilities program that is different from what most insurance companies operating in Rhode Island offer in terms of added features such as quickly providing a rental car and other customer benefits.

The company offers greater policy flexibility that most companies. The 12-month option can reduce car insurance premiums.

Policyholders have the option of combing coverage to simplify payments. Some customers report delays with reimbursement, repair and car replacement.

The benefits are listed below:

  • Policies covering twelve months at a time
  • Total liability care facilities available through one program to make it easier to take advantage of the benefits
  • Multiple-policy discounts are available for customers who opt for additional insurance coverage beyond auto
  • Discounts for policyholders with a good driving record
  • Customers have online access to policy information
  • Policies tend to be better tailored to individual drivers than what is offered by other insurance companies

Overall, Rhode Island drivers have a decent variety of options when it comes to finding affordable car insurance. All of the above insurance companies standout from the crowd for one reason or another.

Making a final decision starts with determining needs. Those needs are then matched with a company that offers coverage (both required and optional) at a reasonable rate.

For additional information, compare rates for free with our quote comparison tool, or contact your local Department of Motor Vehicles office for questions concerning minimum car insurance coverage.

Find the best car insurance for the price with our free zip code search below now!



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Average Monthly Car Insurance Rates by State