Car Insurance Cost Per Month in Rhode Island

On the 2022/2023 Auto Insurance Database Report (2023 data year), a policy in Rhode Island carrying liability, collision and comprehensive averaged $142 a month, and the liability portion alone $82. The average insured vehicle in the state cost $128 a month, whether or not it carried the physical damage coverages, which ranks Rhode Island #45 of 51 jurisdictions (1 = cheapest). These are averages across every driver, vehicle and limit in the state, not quotes, and the NAIC series runs about two years behind.

Rhode Island requires minimum liability coverage of 25/50/25.

The top three carriers by market share in Rhode Island are GEICO, Amica, Progressive, per NAIC market share filings. Market share does not equal cheapest price -- the best rate for your specific profile (age, vehicle, driving record, credit score in states where legal) requires comparing quotes. We recommend comparing at least 3 carriers. carinsurancecomparisontool.com offers a side-by-side carrier comparison.

No. Rhode Island is an at-fault state. When an accident occurs, the at-fault driver's liability coverage pays for the other driver's injuries and property damage. This means your state-minimum liability coverage must be high enough to cover a potential claim against you.

High population density, urban theft rates, and elevated claim frequency make Rhode Island disproportionately expensive for its size.

Yes, in most cases. Rhode Island allows insurers to use a credit-based insurance score (distinct from your FICO) to predict claim likelihood. A poor credit-based score can add 20-100% to your premium. Improving your credit over 12-24 months can generate meaningful savings at renewal.