Auto Insurance in Rhode Island

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Paying for auto insurance in Rhode Island is one of the many expenses that residents of the state have to contend with. Car insurance rates here are quite a bit higher than the national average, so Rhode Island residents need to do plenty of research before moving ahead with a car insurance policy.

Rhode Island

Population: 1,055,173
Rhode Island
$2,295
US Average
$1,669

Rhode Island has a population of 1.05 million, making it the eighth least populous state in the country, but it’s also the second most densely populated state. It’s situated right on the eastern seaboard and is in proximity to other east coast hubs such as New York City, Philadelphia, D.C., and Newark. Because it’s on the coast, floods and bad weather conditions do pose a threat to residents so it’s important to find the best insurance that covers these potential hazards.

Rhode Island Minimum Liability

Bodily Injury

$25k
per person
$50k
per accident

Property Damage

$25k
per accident

Rhode Island’s minimum liabilities are considerably higher than most other states. The state average is well above the national average. You are required to have $25,000 per-person and $50,000 per-accident coverage, as well as $25,000 for property damages. The best way to manage insurance is to purchase the best package you can afford in order to ensure that you don’t have to pay out-of-pocket for these expenses should the need arise.

2013 saw the average auto liability claim for property damage at $3,231 and the average auto liability claim for bodily injury was $15,443. This is just the average cost per accident, and many accidents end up costing significantly more than this. It’s best to find an insurance policy in Rhode Island that offers the most coverage for the amount of money you’re paying each month and that also covers your specific needs.

Cheapest Car Insurance in Rhode Island

Yearly Rate

  • $2,305
    Nationwide
  • $1,965
    Progressive
  • $3,465
    Allstate
  • $1,709
    GEICO
  • $2,362
    Amica Mutual

If cost is the main factor in your decision, then consider going with one of these very cheap auto insurance companies. Deciding on a company with low rates means that you will experience big savings on monthly premiums.

But when you choose a low cost auto insurance company, you might be sacrificing other benefits, such as the quality of customer service or a painless claims process. You may also prefer dealing with a local insurance company versus a national one because they can often provide more specialized and personalized service.

Where is car insurance most affordable?

Where you live has a lot of bearing on how much you’ll pay for car insurance.

Your insurance rates can vary quite a bit depending on where you live and what kind of environment you reside in. For instance, Cranston is significantly above the state average while Pawtucket, Providence, and Warwick are quite a bit lower than the state average for Rhode Island.

You’ll find that the closer you live to the major urban centers of the city or the coastline, the more expensive auto insurance will run in Rhode Island. Here’s a little more information on what kinds of prices you can expect in different areas.

Cranston Auto Insurance

Population: 79,269
Cranston
$2,389
Rhode Island
$2,295

Cranston is a city of around 80,566 people and is located just outside of Providence. It’s home to the Joy Homestead, Belcourt Castle, and Edgewood Yacht Club – all fun points of interest in Rhode Island. Auto insurance policies here are some of the state’s most expensive, but it’s no wonder that Money magazine named it as one of the 100 Best Places to Live in the United States.

Pawtucket Auto Insurance

Population: 72,958
Pawtucket
$2,162
Rhode Island
$2,295

Pawtucket is a town of 71,000 people that borders Providence as well as the state of Massachusetts. It’s a charming and idyllic town that draws in many commuters because of its beautiful setting. Car insurance here is a bit cheaper than the state average, but still well above the national average.

Providence Auto Insurance

Population: 177,618
Providence
$2,434
Rhode Island
$2,295

Providence is the capital of Rhode Island and the state’s most populous city. It was founded in 1636 and is a place filled with many historical treasures. It is the third largest city in New England with a population of 177,000 residents. They do have public transit here, but most people still use their cars to get around. Auto insurance in Providence is the highest in the state, so residents should shop around to find the best deal that includes the highest amount of coverage.

Warwick Auto Insurance

Population: 81,808
Warwick
$1,931
Rhode Island
$2,295

Warwick is the second biggest city in the state with about 82,000 residents. It’s a very historical town that has a lot of beautiful sights to see and is also home to a convenient airport – T.F. Green. The town is on the Providence/Stoughton Commuter Rail Line, which goes into Providence and Boston, but most people use cars to get around the city, so you want to make sure you have the best car insurance possible if you’re a resident here. The good news is that insurance rates are quite a bit below the state average, so you should be able to find good coverage and rates.

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