If you own a registered vehicle in Rhode Island, you’re legally required to carry car insurance. The Rhode Island car insurance market is competitive, and drivers have numerous choices. To help you find the best carrier, we reviewed current analyses from Bankrate and NerdWallet alongside satisfaction and financial-strength research. Our results show that Amica, USAA, Progressive, Geico, and Allstate remain strong options for many drivers in Rhode Island, with State Farm and Travelers also frequently competitive; Amica continues to lead New England customer satisfaction in J.D. Power’s latest regional study.
The 5 Best Auto Insurance Companies in Rhode Island
For our evaluation process, we compared a number of popular providers using 2025 rate analyses from Bankrate and NerdWallet, coverage options, discounts, financial strength, and third-party ratings such as J.D. Power’s 2024 U.S. Auto Insurance Study.
- Amica: Best for Customer Service
- USAA: Best for Military-Centric Options
- Progressive: Best for Discounts
- Geico: Best for Driving Incidents
- Allstate: Best for Add-On Coverage
Compare the Top Car Insurance Companies in Rhode Island
While these carriers stand out in our rating methodology, keep in mind that the best carrier for you could be different entirely. Shopping around can help you find the right carrier for your unique lifestyle, especially given the significant premium increases many drivers have seen through 2024–2025 (BLS CPI: motor vehicle insurance).
| Average Annual Minimum Coverage Premium* | Average Annual Full Coverage Premium* | AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin Amica | $512 | $1,810 | A+ | 867 | |
| Pin USAA | $523 | $1,297 | A++ | 887** | |
| Pin Progressive | $1,012 | $2,433 | A+ | 840 | |
| Pin Geico | $643 | $1,798 | A++ | 841 | |
| Pin Allstate | $1,219 | $3,853 | A+ | 810 |
Information below reflects a prior rate snapshot; for current statewide averages, see updated 2024–2025 sources such as Bankrate.
* Data provided by Bankrate.com (historical dataset). For the latest figures and methodology, see Bankrate’s 2025 national update and NerdWallet’s state averages.
**J.D. Power’s latest U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale. USAA is not officially rated by J.D. Power due to eligibility requirements.
Best for Customer Service
WHY WE CHOSE IT
Why we chose it
Pros
- Offers dividend policies
- Variety of discounts available
- High J.D. Power customer service ratings
Cons
- Not available nationwide
- Few local offices
OTHER POLICIES OFFERED
- Home
- Flood
- Marine
- Life
STANDOUT DISCOUNTS AVAILABLE
- Loyalty
- Homeownership
- Adaptive headlights
- Automatic payments
Best for Military-Centric Options
WHY WE CHOSE IT
Why we chose it
Pros
- Low average premiums
- Numerous discounts
- High J.D. Power customer satisfaction score
Cons
- Limited eligibility
- Very few branch locations
- Some coverages and discounts only apply to deployed members
OTHER POLICIES OFFERED
- Boat
- Motorcycle
- Condo
- Health
STANDOUT DISCOUNTS AVAILABLE
- Good student
- Family discount
- Length of membership
- Military installation
Best for Discounts
WHY WE CHOSE IT
Why we chose it
Pros
- Numerous discounts
- Robust mobile tools
- Higher-than-average J.D. Power customer satisfaction score
Cons
- High average premium
- Below-average J.D. Power claims satisfaction score
- Higher-than-average NAIC complaint index
OTHER POLICIES OFFERED
- Renters
- Home
- RV/trailer
- Motorcycle
STANDOUT DISCOUNTS AVAILABLE
- Continuous insurance
- Snapshot
- Homeowner
- Online quote
Best for Driving Incidents
WHY WE CHOSE IT
Why we chose it
Pros
- Numerous discounts
- Robust digital tools
- Lower average premium than some competitors
Cons
- Higher-than-average overall NAIC complaint index
- Few options for customization
- Few local agents
OTHER POLICIES OFFERED
- Home
- Renters
- Motorcycle
- Boat
STANDOUT DISCOUNTS AVAILABLE
- Federal employee
- Military member
- Emergency deployment
- Good student
Best for Add-On Coverage
WHY WE CHOSE IT
Why we chose it
Pros
- Numerous optional coverages
- Plentiful local agents
- Several discounts
Cons
- High average premium
- Lower-than-average J.D. Power customer satisfaction score
- Financial strength is lower than some competitors
OTHER POLICIES OFFERED
- Home
- Condo
- Business
- Life
STANDOUT DISCOUNTS AVAILABLE
- New car
- Drivewise
- Early signing
- Paperless
*Data provided by Bankrate.com.
**J.D. Power’s latest U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale. USAA is not officially rated by J.D. Power due to eligibility restrictions.
The Average Cost of Car Insurance in Rhode Island
Recent statewide analyses place Rhode Island’s average premiums around $2,100–$2,700 per year for a full coverage policy and roughly $600–$1,000 per year for minimum coverage, depending on methodology and driver profile, according to Bankrate, NerdWallet, ValuePenguin, and The Zebra. Rhode Island remains above the national average, and premiums rose markedly through 2024–2025 amid higher claim severity and repair costs (see BLS CPI for motor vehicle insurance). Shopping around and comparing quotes could help you find a lower rate. Ultimately, car insurance rates are personalized, so you might pay more or less than the statewide average based on factors like your age, credit score, claims history, and the type of vehicle you drive.
Top 3 Cheapest Car Insurance Companies in Rhode Island
| Company | Average Annual Full Coverage Premium* |
| State Farm | $955 |
| USAA | $1,297 |
| Travelers | $1,308 |
* Data provided by Bankrate.com; actual 2024–2025 premiums are generally higher than prior datasets—see updated state averages from Bankrate and NerdWallet.
Top 3 Most Expensive Car Insurance Companies in Rhode Island
| Company | Average Annual Full Coverage Premium* |
| Allstate | $2,071 |
| Progressive | $2,433 |
| Quincy Mutual Group | $3,853 |
* Data provided by Bankrate.com; consult current 2024–2025 analyses from Bankrate and NerdWallet for the latest company comparisons.
Top 3 Cheapest Cities for Car Insurance in Rhode Island
| City | Average Annual Full Coverage Premium* |
| Newport | $1,577 |
| Newport East | $1,592 |
| Middletown | $1,592 |
* Data provided by Bankrate.com; city-to-city differences persist, with denser ZIP codes typically higher—see current breakdowns from ValuePenguin and The Zebra.
Top 3 Most Expensive Cities for Car Insurance in Rhode Island
| City | Average Annual Full Coverage Premium* |
| Providence | $2,651 |
| North Providence | $2,580 |
| Johnston | $2,501 |
* Data provided by Bankrate.com; Providence and other higher-density areas tend to run above the statewide average in 2024–2025 studies.
Key Things to Know About Car Insurance in Rhode Island
Before you purchase car insurance in Rhode Island, it’s important to understand the state’s minimum coverage requirements and what optional coverages you might want to add to your policy for further protection. This can help you tailor a policy to your needs.
Rhode Island Minimum Insurance Requirements
Car insurance is a legal requirement in Rhode Island. Every state has different car insurance requirements, but in most places, drivers must carry at least minimum levels of certain coverage types. Rhode Island drivers are required to carry 25/50/25 liability insurance, or a $75,000 combined single limit (R.I. Gen. Laws §31-31-7), which includes the following coverages:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Additionally, uninsured motorist coverage must be included in every policy in amounts equal to your bodily injury liability limits unless you select lower limits, which cannot be reduced below 25/50 (R.I. Gen. Laws §27-7-2.1). Rhode Island is an at-fault (tort) state and does not require PIP; MedPay, collision, and comprehensive are optional unless required by a lender (AAA Digest of Motor Laws).
Car Insurance Coverage Options
In addition to basic liability insurance, many Rhode Island drivers choose to purchase additional coverage for more protection. Here are some of the optional coverages to consider:
- Collision insurance: Collision insurance pays to repair your vehicle’s damages after a covered accident, regardless of fault. If you have a loan or lease, this coverage is likely required.
- Comprehensive insurance: Comprehensive insurance pays to repair your vehicle’s damages resulting from a non-collision incident. Examples include theft, vandalism, flooding, and falling objects. This is also a required coverage if you have a loan or lease.
- Roadside assistance: Roadside assistance pays for basic vehicle repairs, like flat tire changes, fuel delivery, and battery replacements, as well as towing.
- Rental car reimbursement: Rental reimbursement helps pay for a rental or other transportation while your covered vehicle is being repaired after a covered loss; if you lease or finance your vehicle and it’s totaled, gap/loan-lease coverage can help pay the difference between the remaining loan balance and your car’s depreciated value.
Frequently Asked Questions
Methodology
Reviews.com reviews products, services, and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores, and online resources from each company to determine top providers.
For pricing and company comparisons, we referenced current statewide analyses from Bankrate and NerdWallet for Rhode Island, modeled on a good-driver profile similar to the details below. For full coverage, the details used were the following:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
