Best Car Insurance in Rhode Island for 2025 [10 Stand Out Companies]

Staring at $32/month, you can have the best car insurance in Rhode Island offered by State Farm, Geico, and Progressive. State Farm is leading for its quick claims process and client service. Geico provides competitive and affordable premiums, and Progressive excels in customizing flexible plan options.

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Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Feb 12, 2025

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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 provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Top Pick in Rhode Island: State Farm
4.3

Company Facts

Full Coverage in Rhode Island

$76/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

  • Affordable car insurance rates
  • Local State Farm agents
  • Multiple car insurance discounts
  • Low financial stability rating
  • Doesn’t sell modified car insurance
Best Rates in Rhode Island: Geico
4.5

Company Facts

Full Coverage in Rhode Island

$125/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

  • 24/7 customer support with an easy-to-use mobile app
  • Discounts for bundling and multiple vehicles
  • Accident forgiveness program available for eligible drivers
  • Highly rated for claims satisfaction by many customers
  • Higher rates for drivers with a history of accidents
  • Limited local agent availability compared to other insurers
  • Rate increases reported after the initial policy term
Best Plans in Rhode Island: Progressive
4.4

Company Facts

Full Coverage in Rhode Island

$116/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

  • Affordable Rates for Most Drivers
  • Robust Digital Tools
  • UBI Program Snapshot
  • Generous Discounts
  • Low Customer Loyalty
  • Unexpected Rate Increases
  • Snapshot Can Increase Rates

These top three providers offer the best car insurance in Rhode Island: State Farm, Geico, and Progressive, with State Farm on top of the list for its long-standing reputation and overall client service.

Best Car Insurance in Rhode Island: State Farm, Geico, and Progressive

Geico is best for its affordable rates and coverage, making it a good option for drivers on a tight budget. While Progressive offers unique options for coverage, allowing Rhode Island residents to customize their policies to fit their lifestyles.

Our Top 10 Company Picks: Best Car Insurance in Rhode Island

CompanyRankBundling DiscountA.M. BestBest ForJump to Pros/Cons
State Farm: Best Car Insurance in Rhode Island #117%BReliable CoverageState Farm
Geico: Best Car Insurance in Rhode Island #225%A++Affordable RatesGeico
Progressive: Best Car Insurance in Rhode Island  #310%A+Flexible PlansProgressive
Allstate: Best Car Insurance in Rhode Island #425%A+Safe DriversAllstate
Travelers: Best Car Insurance in Rhode Island   #513%A++Hybrid VehiclesTravelers
Liberty Mutual: Best Car Insurance in Rhode Island #625%AComprehensive PlansLiberty Mutual
USAA:  Best Car Insurance in Rhode Island #710%A++Military FamiliesUSAA
Nationwide: Best Car Insurance in Rhode Island  #820%A+Vanishing DeductiblesNationwide
Farmers: Best Car Insurance in Rhode Island #920%ACustom CoverageFarmers
American Family: Best Car Insurance in Rhode Island  #1025%ATeen DriversAmerican Family

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Using our car insurance guide, you can find the cheapest car insurance in Rhode Island and take advantage of other discounts for the best coverage at an affordable price.

Don’t let expensive insurance rates hold you back. Enter your ZIP code and shop for affordable premiums from the top companies.

Just the Basics

  • Rhode Island drivers must have their liability limits set to at least 25/50/25
  • State minimum auto insurance requirements are usually not enough to protect you
  • You can earn a hefty fine if you drive without car insurance in Rhode Island

Table of Contents

#1 – State Farm: Top Overall Pick

Best Car Insurance in Rhode Island: State Farm

Pros

  • Strong Financial Stability: With decades of experience, State Farm provides reliable claim payouts for Rhode Island car owners.
  • Extensive Local Agent Network for Car Insurance: State Farm’s many agents make it easy for Rhode Island drivers to get in-person assistance.
  • Comprehensive Discounts: Rhode Island drivers can save money on insurance by taking advantage of State Farm’s many incentives, such as bundling and safe driver programs.

Cons

  • Higher Premiums for Car Insurance: State Farm’s rates tend to be above the state average, especially for younger drivers. To learn more, consult our State Farm car insurance review.
  • Limited Customization for Policies: They offer fewer alternatives for custom-fit policy add-ons than other insurance providers in RI.

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#2 – Geico: Best for Affordable Rates

Best Car Insurance in Rhode Island: Geico

Pros

  • Affordable Prices for Car Insurance Premium: Geico is widely known to consistently provide some of the lowest premium rates for auto insurance.
  • Strong Digital Tools for Car Insurance Management: The Geico app makes it easy for Rhode Island drivers to manage policies, file claims, and access support.
  • High Bundling Discounts for Car Insurance: Offers up to 25% off for bundling auto and other policies. For further details, check our Geico car insurance review.

Cons

  • Limited Local Support for Car Insurance: Rhode Island drivers who prefer in-person service may find Geico’s online-first model inconvenient.
  • Higher Rates for High-Risk Car Insurance Drivers: Drivers with accidents or violations may not see the lowest rates compared to other insurers.

#3 – Progressive: Best for Flexible Plans

Best Car Insurance in Rhode Island: Progressive

Pros

  • Customizable Car Insurance Coverage: Progressive offers unique policy options, including accident forgiveness and gap insurance.
  • Snapshot Program for Car Insurance Savings: Rhode Island drivers who drive safely can earn discounts through Progressive’s telematics program.
  • Strong Financial Ratings for Car Insurance Claims: Progressive has an A+ rating and a solid record of paying out claims efficiently.

Cons

  • Higher Car Insurance Rates for  High-Risk Drivers: Progressive tends to charge more for Rhode Island drivers with past infractions.
  • Limited Discounts for Bundling: Offers only a 10% discount, which is lower than competitors. For more extensive details, refer to our Progressive car insurance review.

#4 – Allstate: Best for Safe Drivers

Best Car Insurance in Rhode Island: Allstate

Pros

  • Exclusive Car Insurance Rewards for Rhode Island Safe Drivers: The Drivewise program rewards drivers for safe habits with lower premiums.
  • Strong Local Agent Network for Car Insurance Support: Rhode Island drivers can access in-person guidance through Allstate’s agent network.
  • A+ Financial Rating for Car Insurance Claims: Offers strong claim reliability for Rhode Island policyholders. Seek more information by reading our Allstate car insurance review.

Cons

  • Expensive Car Insurance Premiums: Allstate tends to charge higher-than-average rates for standard coverage.
  • Inconsistent Claims Experience for Car Insurance Customers: Some Rhode Island drivers report delays in processing claims.

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#5 – Travelers: Best for Hybrid Vehicles

Best Car Insurance in Rhode Island: Travelers

Pros

  • Discounted Car Insurance for Hybrid and Electric Vehicles: Travelers offers special savings for environmentally conscious Rhode Island drivers.
  • High A++ Rating for Car Insurance Stability: Ensures financial strength and reliability for claim payouts. Gain further insights from our Travelers car insurance review.
  • Affordable Car Insurance Rates for Many Rhode Island Drivers: Competitive pricing makes Travelers a good option for various policyholders.

Cons

  • Fewer Car Insurance Discounts Compared to Competitors: While competitive, Travelers does not offer as many discount opportunities.
  • Slow Claim Processing: Due to Traveler’s handling arrangements, there are slow claim process reports from Rhode Island policyholders.

#6 – Liberty Mutual: Best for Comprehensive Premium Plans

Best Car Insurance in Rhode Island: Liberty Mutual

Pros

  • Comprehensive Car Insurance Options: Liberty Mutual offers a wide range of coverages, including accident forgiveness and better car replacement.
  • High Bundling Discounts for Rhode Island Car Insurance: Provides up to 25% savings for combining policies. Expand your knowledge with our Liberty Mutual car insurance review.
  • Multiple Add-Ons for Car Insurance Customization: Includes unique features like deductible funds and lifetime repair guarantees.

Cons

  • Higher Car Insurance Premiums in Rhode Island: Coverage costs more than competitors like Geico and Progressive.
  • Customer Service Complaints for Car Insurance Claims: Some Rhode Island policyholders face problems with claim processing times.

#7 – USAA: Best for Military Families

Best Car Insurance in Rhode Island: USAA

Pros

  • Exclusive Car Insurance Benefits for Military Members: USAA offers tailored policies with competitive rates for active and retired military personnel in Rhode Island.
  • Top-Rated Customer Satisfaction for Car Insurance: USAA consistently earns high marks for service and claim handling.
  • A++ Financial Strength for Car Insurance Stability: Ensures reliable claim payouts and financial backing. Find additional details in our USAA car insurance review.

Cons

  • Membership Restrictions for Car Insurance Eligibility: Only available to Rhode Island military members and their families.
  • Limited Physical Branches for Car Insurance Support: Rhode Island policyholders may have fewer in-person service options.

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#8 – Nationwide: Best for Vanishing Deductibles

Best Car Insurance in Rhode Island: Nationwide

Pros

  • Vanishing Deductible Program for Car Insurance Savings: Rhode Island drivers can lower their deductibles over time with safe driving.
  • Strong Financial Rating for Stability: With an A+ rating, Nationwide is a reliable choice for claim payouts. Discover more details in our Nationwide car insurance review.
  • Robust Car Insurance Coverage Options for Rhode Island Drivers: Includes accident forgiveness and total loss replacement.

Cons

  • Higher Car Insurance Rates for Certain Rhode Island Drivers: May not be the most budget-friendly option for high-risk drivers.
  • Less Comprehensive Digital Experience for Car Insurance Management: Online tools and mobile apps are less advanced than some competitors.

#9 – Farmers: Best for Custom Coverage

Best Car Insurance in Rhode Island: Farmers

Pros

  • Highly Customizable Car Insurance Policies in Rhode Island: Farmers allow policyholders to adjust coverage based on specific needs.
  • Strong Local Agent Support for Car Insurance Questions: Farmers’ agent network provides in-person guidance for Rhode Island drivers.
  • Multi-Policy Discounts for Customers: Offers up to 20% off for bundling policies for Rhode Island drivers. Read through our Farmers car insurance review for more details.

Cons

  • Higher Car Insurance Premiums in Rhode Island: Farmers’ insurance premiums tend to be higher than competitors like Geico and Progressive.
  • Inconsistent Claims Satisfaction for Rhode Island Car Insurance Holders: Some customers report slow claims processing.

#10 – American Family: Best for Teen Drivers

Best Car Insurance in Rhode Island: American Family

Pros

  • Affordable Car Insurance Options for Teen Drivers in Rhode Island: Offers discounts and educational programs for young drivers.
  • Large Bundling Discounts: Provides up to 25% savings for multi-policy holders for Rhode Island drivers. Learn more by reviewing our American Family car insurance review.
  • Strong Agent Network for Car Insurance Assistance: Rhode Island policyholders can get personalized support from local agents.

Cons

  • Limited Car Insurance Availability Outside Certain States: American Family does not operate in every U.S. state.
  • Higher Car Insurance Rates for Some Rhode Island Drivers: Young drivers may still face expensive premiums despite discounts.

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Rhode Island Car Insurance Monthly Rates by Provider & Coverage Level

Car insurance in Rhode Island is not the same for everyone, and the price varies based on many factors, including your provider and coverage level. Your rate is determined by personal details, including driving history, credit score, and location, through the underwriting process.

Rhode Island Car Insurance Monthly Rates by Provider & Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate: Best Car Insurance in Rhode Island $80$189
American Family: Best Car Insurance in Rhode Island  $64$151
Farmers: Best Car Insurance in Rhode Island $78$183
Geico: Best Car Insurance in Rhode Island $53$125
Liberty Mutual: Best Car Insurance in Rhode Island $100$235
Nationwide: Best Car Insurance in Rhode Island  $81$190
Progressive: Best Car Insurance in Rhode Island  $49$116
State Farm: Best Car Insurance in Rhode Island $32$76
Travelers: Best Car Insurance in Rhode Island   $44$103
USAA:  Best Car Insurance in Rhode Island $28$65

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The table above highlights the top providers’ monthly rates for minimum and full coverage, helping you compare options for the best car insurance in Rhode Island.

When choosing car insurance, don’t just focus on price—State Farm’s strong reputation and reliable claims process make it a top choice for Rhode Island drivers who want both savings and security.

Justin Wright Licensed Insurance Agent

Being familiar with some of the factors that affect the price of car insurance can help you become a more knowledgeable consumer.

How to Lower Car Insurance Rates in RI

When looking for cheap car insurance in Rhode Island, taking advantage of available discounts can significantly lower your costs. The best Rhode Island car insurance companies offer a variety of savings, including multi-policy, safe driver, and good student discounts.

Car Insurance Discounts From the Top Providers in Rhode Island

Insurance CompanyAvailable Discounts
Allstate: Best Car Insurance in Rhode Island Multi-policy, Safe Driver, Anti-lock Brakes, New Car, Drivewise Program, Anti-theft System, Good Student, Paperless
American Family: Best Car Insurance in Rhode Island  Teen Driver, Multi-vehicle, Defensive Driving, Good Student, Safe Driver, Low Mileage, Early Signing, Generational
Farmers: Best Car Insurance in Rhode Island Affinity Groups, Good Student, Multi-vehicle, Bundling, Pay-in-Full, Safe Driver, Anti-theft, Alternative Fuel
Geico: Best Car Insurance in Rhode Island Military, Federal Employee, Multi-policy, Good Driver, Defensive Driving, Vehicle Equipment, Good Student, Emergency Deployment
Liberty Mutual: Best Car Insurance in Rhode Island Multi-policy, Safe Driver, Homeowner, New Car Replacement, Hybrid Vehicle, Anti-theft, Good Student, Alternative Energy
Nationwide: Best Car Insurance in Rhode Island  Multi-policy, Vanishing Deductible, SmartRide Usage-Based, Safe Driver, Anti-theft, Accident-Free, Good Student, Paperless
Progressive: Best Car Insurance in Rhode Island  Multi-policy, Snapshot Program, Homeowner, Pay-in-Full, Good Student, Safe Driver, Continuous Insurance, Sign-up Discounts
State Farm: Best Car Insurance in Rhode Island Good Driver, Safe Vehicle, Multi-policy, Accident-Free, Good Student, Drive Safe & Save, Passive Restraint, Anti-theft
Travelers: Best Car Insurance in Rhode Island   Multi-policy, Hybrid Vehicle, Safe Driver, Continuous Insurance, New Car, Homeowner, Early Quote, Pay-in-Full
USAA:  Best Car Insurance in Rhode Island Safe Driver, New Vehicle, Multi-vehicle, Bundling, Military Installation, Annual Mileage, Loyalty, Storage Vehicle

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Some providers also offer specialized programs like usage-based tracking, vanishing deductibles, and incentives for hybrid or alternative fuel vehicles.

Comparing these discounts can help you find the best car insurance in Rhode Island that fits your budget while still providing quality coverage.

Factors that Influence Car Insurance Rates in Rhode Island

Rhode Island car insurance quotes differ greatly due to personal factors, as many insurers assess a variety of information to determine the risk. While most drivers understand that their driving history impacts their rates, most do not know that credit scores are also factored into this decision—poor scores often translate to more expensive premiums.

Other key factors influencing Rhode Island auto insurance costs include age, gender, vehicle make and model, car age, location, and claims history. Because insurers use these details to generate personalized quotes, even two neighbors with identical cars may receive different rates.

To find the best car insurance in Rhode Island, it’s essential to compare quotes from multiple car insurance companies to secure the best coverage at a competitive price.

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

When considering auto insurance in Rhode Island, it’s important to understand that insurance companies assess these factors to determine pricing. If you’re relocating, comparing car insurance when you move can help you find the best car insurance in Rhode Island that fits your needs and budget.

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

Age & GenderMarital StatusMonthly Rates
18-Years-Old FemaleSingle$1,650
18-Years-Old MaleSingle$1,800
25-Years-Old FemaleMarried$1,300
25-Years-Old MaleMarried$1,400
35-Years-Old FemaleMarried$1,250
35-Years-Old MaleMarried$1,350
45-Years-Old FemaleMarried$1,150
45-Years-Old MaleMarried$1,200
55-Years-Old FemaleMarried$1,050
55-Years-Old MaleMarried$1,100

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The average cost of car insurance in Rhode Island varies according to age, gender, and marital status. In general, younger drivers pay more, while married and older residents tend to have lower rates because of their lower risk profiles. Read further to know what other things you do that can raise your premium.

Best RI Car Insurance Rates by Driving Record and Annual Mileage

Your driving record and annual mileage significantly impact your RI car insurance rates, with clean records leading to lower premiums and violations causing higher costs. If you’ve had accidents, DUIs, or multiple violations, expect to pay more for coverage as insurers view you as a higher risk.

Best RI Car Insurance Rates by Driving Record and Annual Mileage

Driving Record6,000 Miles12,000 Miles
Clean Record$100$113
One Accident$133$146
One DUI$167$183
Multiple Violations$200$225

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Searching cheap auto insurance in Rhode Island is easier for low-risk drivers, but even those with infractions can reduce costs by comparing quotes and improving their records. To secure the best car insurance in Rhode Island, maintaining a clean driving history, driving safely, and keeping mileage low can help you get more affordable rates.

Car Insurance Rates in RI by Your Car’s Make, Model, and Year

The type of car you drive affects your RI auto insurance rates since insurers analyze factors such as the cost of fixing the vehicle, safety features, and the risk of theft. Driving a dependable, reasonably priced vehicle will also lower premiums; therefore, you must compare auto insurance companies in Rhode Island for the best coverage.

Car Insurance Monthly Rates in RI by Car's Make, Model, and Year

Car MakeModelYearMonthly Rates
ToyotaCamry2020$1,100
HondaCivic2019$1,150
FordF-1502021$1,300
BMW3 Series2022$1,700
TeslaModel 32023$1,800
ChevroletMalibu2020$1,200
JeepWrangler2021$1,250

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Expensive and performance-vehicle insurance is always more expensive; therefore, choosing an insurance car is important in terms of value. If you’re looking for the best auto insurance in Rhode Island, you may compare rates for the best car insurance by vehicle type.

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Cheapest Car Insurance Rates in RI by Location and Credit Score

Your location and credit score play a major role in determining Rhode Island auto insurance quotes, as insurers assess risk based on where you live and your financial responsibility. Drivers with good or excellent credit will pay less, but poor credit might result in higher premiums.

Cheapest Car Insurance Monthly Rates in RI by State and Credit Score

StateGood CreditFair CreditBad Credit
Alabama$115$150$210
Alaska$130$170$240
Arizona$135$170$230
Arkansas$120$150$190
California$140$180$240
Colorado$125$160$210
Connecticut$135$175$230
Delaware$120$160$200
Florida$145$185$250
Georgia$135$170$220
Hawaii$110$140$180
Idaho$100$130$170
Illinois$120$160$220
Indiana$115$150$200
Iowa$105$130$170
Kansas$115$150$200
Kentucky$125$160$210
Louisiana$160$210$270
Maine$95$125$160
Maryland$135$175$230
Massachusetts$135$175$230
Michigan$160$210$280
Minnesota$120$150$200
Mississippi$120$150$210
Missouri$120$150$210
Montana$115$150$200
Nebraska$100$130$170
Nevada$135$170$240
New Hampshire$105$130$170
New Jersey$145$190$250
New Mexico$120$150$200
New York$160$210$280
North Carolina$115$150$200
North Dakota$100$130$170
Ohio$120$160$210
Oklahoma$120$150$210
Oregon$135$170$240
Pennsylvania$135$175$230
Rhode Island$145$190$260
South Carolina$135$170$220
South Dakota$105$130$170
Tennessee$120$150$200
Texas$135$170$240
Utah$120$150$200
Vermont$100$130$170
Virginia$120$150$200
Washington$135$170$240
West Virginia$120$150$210
Wisconsin$115$150$200
Wyoming$100$130$170

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To find cheap car insurance in RI, improving your credit score and comparing multiple insurers can help lower costs. No matter your financial background, shopping around ensures you secure the best car insurance in Rhode Island with cheap full coverage that fits your needs.

Car Insurance Companies in RI

You’ll be able to choose from top-rated companies when shopping for insurance coverage in Rhode Island. Review this list to see some of the best insurance companies that sell car insurance in Rhode Island:

  • USAA
  • State Farm
  • Travelers
  • Geico
  • Progressive
  • Amica
  • Nationwide
  • Allstate

All of these companies are titans in the insurance industry, but be sure to get at least three free quotes from different companies so you can compare policies. Comparing quotes will allow you to determine which company can offer you the best coverage at the lowest rates and which provider has the best policy for you.

Get Free and Affordable Quotes for the Best Car Insurance in Rhode Island

While you can contact a local insurance agent to request a free quote, shopping for car insurance in Rhode Island online is much more convenient. As long as you have access to the internet, you can shop from your smartphone or tablet in the comfort of your own home.

Shopping online also allows you to look for insurance on your schedule. However, most insurance offices operate within regular business hours, so setting up an appointment can be difficult if you work during the day.

Remember that Rhode Island car insurance quotes are always free. If an insurance agent or online insurance company is requiring you to pay for a quote, that is a sure sign that the insurance entity isn’t reputable.

You can start by checking top providers such as State Farm, Geico, and Progressive. These providers give you affordable car insurance with personalized coverage that matches your needs, whether you need cheap car insurance in RI or comprehensive protection. Shopping online is the easiest way to find a good fit.

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Rhode Island Minimum Car Insurance Requirements

Rhode Island auto insurance requirements mandate that all drivers carry at least $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 in property damage liability.

Rhode Island Minimum Car Insurance Requirements

CoverageLimits
Bodily Injury Liability$25,000 per person
$50,000 per accident
Property Damage Liability$25,000 per accident

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However, these minimum limits may not be enough to fully protect you in a serious vehicle accident. If damages exceed your coverage limits, you would be paying the difference out of pocket.

To safeguard your assets, experts recommend setting liability limits at 100/300/100 or higher if you can afford it. When searching for the best car insurance in Rhode Island, consider top providers like State Farm, Geico, and Progressive, which offer strong coverage options and discounts.

For those looking for cheap auto insurance in RI, shopping online and comparing multiple quotes can help you find the best deal without sacrificing essential protection.

Driving in Rhode Island without Auto Insurance

Rhode Island car insurance requirements require all motorists to have minimum liability coverage, and failure to obey these rules may result in a potential financial burden. This is exactly why driving without auto insurance is a serious violation under RI car insurance laws, especially if you’re involved in an accident.

It’s important to maintain proper coverage from a reliable provider and avoid such risk. The best car insurance in Rhode Island comes from top insurers like State Farm, Geico, and Progressive, which offer competitive rates and strong coverage options to keep you protected on the road.

Digital Cards Accepted in RI

Some states only accept physical insurance cards, but Rhode Island drivers are allowed to keep digital copies of their proof of insurance. Remember that if you are pulled over by a police officer and are required to show your digital insurance card, the officer may not look at anything but your proof of insurance, such as an SR-22 insurance certificate.

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Rhode Island Car Insurance After Moving

New residents of Rhode Island have 30 days to register their vehicle after moving, which is an important step in getting Rhode Island auto insurance. You will need to provide information such as your new policy number and its effective date to complete the registration process, thus complying with state laws.

When choosing the best car insurance in Rhode Island, look beyond just price—consider coverage options, customer service ratings, and available discounts to ensure you're getting true value for your policy.

Chris Abrams Licensed Insurance Agent

Securing the best car insurance in Rhode Island as soon as possible can help you avoid lapses in coverage, potential penalties, and having a hard time filing a claim in the event of an accident. Since Rhode Island car insurance rates vary by provider, comparing options is essential to finding affordable car insurance when you move.

What You Need to Know About Rhode Island Car Insurance

Rhode Island insurance can be expensive, but most insurance companies offer discounts to help keep rates low. Car insurance is required in this state, so you can shop online for free quotes to find a policy that fits your coverage and budgetary needs.

While Rhode Island’s minimum insurance requirement is 25/50/25, those liability limits may not do much to protect your assets if you cause an accident. You should set your limits to 100/300/100 unless you can afford even more coverage.

Shopping online is the easiest way to discover the best policy for your needs. You can compare quotes in the comfort of your home, know how car insurance works, and do so whenever it is most convenient.

Frequently Asked Questions

Who has the best auto insurance rates in Rhode Island?

Providers like Geico, Progressive, and State Farm are often recognized for offering competitive rates in Rhode Island. But it’s also important to compare auto insurance providers and know how much car insurance rates are in your city.

Does Allstate cover Rhode Island?

Yes, Allstate offers car insurance coverage in Rhode Island, providing a range of options, from basic liability coverage to full protection policies. Allstate is known for being one of the best car insurance providers in the state, offering various discounts and benefits to help lower rates. Enter your ZIP code to compare rates from the top providers near you.

What is the minimum car insurance required in RI?

The minimum car insurance required in Rhode Island includes 25/50/25 liability coverage: $25,000, $50,000, and $25,000 for bodily injury, per accident, and property damage, respectively.

Is car insurance cheaper in Rhode Island?

Car insurance rates in Rhode Island are generally higher than the national average. This is due to factors such as the state’s density of drivers and the frequency of claims. However, shopping around can help you find cheap auto insurance in RI that fits your budget.

Is Rhode Island a no-fault state?

No, RI is not a no-fault state. This means that if you’re involved in an accident, the at-fault driver’s insurance is responsible for covering damages, rather than your own insurance.

Is car insurance mandatory in RI?

Yes, Rhode Island auto insurance coverage is mandatory. The state of RI requires drivers to have a minimum liability insurance coverage to drive legally.

Do you need insurance to register a car in RI?

Yes, you need to have Rhode Island auto insurance coverage to register your vehicle. You must provide proof of insurance when registering your car in the state.

Can you insure a car with a permit in RI?

Yes, you can insure a car with a permit in Rhode Island, though some auto insurance in Rhode Island may require you to be accompanied by a licensed driver when driving. It’s a good idea to check with the insurance provider for their specific rules regarding coverage for permit holders.

The most popular car insurance companies in the US are State Farm, Geico, and Progressive, known for their wide availability, competitive rates, and strong customer service. These companies are also among the best car insurance providers in Rhode Island.

How much is car registration in RI?

The cost of car registration in Rhode Island varies depending on the weight of your automobile, with the typical fee ranging from $45 to $55 for standard passenger vehicles. There may also be additional fees for new registrations and personalized plates. Does another provider have lower rates? Find out by entering your ZIP code into our free quote comparison tool.

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