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The Best Car Insurance Companies in Rhode Island

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    Reviews Report

    • The best car insurance company in Rhode Island is Amica, earning a 5 out of 5 Reviews.com score.
    • The cheapest car insurance providers in Rhode Island are Amica and USAA.
    • Rhode Island has the 11th highest number of uninsured drivers in the country.

    If you own a registered vehicle in Rhode Island, you’re legally required to carry car insurance. But with so many Rhode Island car insurance companies, it can be challenging to find the right provider for your needs. To help you find the best carrier, we did some research to find the best car insurance in Rhode Island.

    For our evaluation process, we compared a number of popular providers based on average rates, coverage options, discounts, financial strength, and third-party ratings. Our results showed that Amica, USAA, Progressive, Geico, and Allstate offer the best auto insurance in Rhode Island. 

    The 5 Best Auto Insurance Companies in Rhode Island

    • Amica: Best Rhode Island Car Insurance Overall
    • USAA: Best Rhode Island Car Insurance for Military Members
    • Progressive: Best Rhode Island Car Insurance for Discounts
    • Geico: Best Rhode Island Car Insurance for Customer Service
    • Allstate: Best Rhode Island Car Insurance for Add-On Coverage

    Compare the Best Car Insurance Companies in Rhode Island

    Full Coverage Annual Premium* State Minimum Annual Premium* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. AM Best Financial Strength 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 Overall Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin Amica$2,468.55$692.405A+863
    Pin USAA$1,946.98$800.444.8A++865
    Pin Progressive$3,208.82$1,324.234.4A+819
    Pin Geico$2,409.50$858.914.4A++841
    Pin Allstate$2,697.32$989.124A+807

    Information accurate as of May 2021

    * Data provided by Coverage.com

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale.

    Amica

    Best Overall

    Why we chose it

    Amica is one of the few Rhode Island car insurance companies that offers dividend policies, where you can get back up to 20% of your premium.
    • 5 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $692.40* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 863** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Amica is one of the few Rhode Island car insurance companies that offers dividend policies, where you can get back up to 20% of your premium.

    Pros

    • Offers dividend policies
    • Variety of discounts available
    • Good customer service ratings

    Cons

    • Not available nationwide
    • Few local offices
    • Policies can be expensive for some drivers
    Read More

    Add-On Coverage

    • Personal injury protection
    • Gap insurance
    • Glass coverage
    • Roadside assistance
    • Rental car reimbursement
    • New car replacement
    • Credit theft monitoring

    Discounts Available

    • Policy bundling
    • Loyalty
    • Student away at school
    • Accident-free
    • Defensive driving training
    • Vehicle discounts
    • Pay in full
    • Automatic payments
    • Paperless statements

    More Amica Insurance Reviews

    USAA

    Best for Military Members

    Why we chose it

    USAA offers affordable and top-rated car insurance in Rhode Island to members of the military, their spouses and children.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $800.44* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 856** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers affordable and top-rated car insurance in Rhode Island to members of the military, their spouses and children.

    Pros

    • Personalized customer service
    • Affordable policies
    • Many discounts

    Cons

    • Only available to active and retired military members
    • Very few branch locations
    • Some coverages and discounts only apply to deployed members
    Read More

    Additional Coverage

    • Personal injury protection
    • Extended benefits coverage
    • Roadside assistance
    • Rental car reimbursement
    • Accident forgiveness

    Discounts Available

    • Safe driver
    • Defensive driving course
    • Driver training course
    • Good student
    • New vehicle
    • Family discount
    • Length of membership
    • Military installation
    • Policy bundling

    More USAA Insurance Reviews

    Progressive

    Best for Discounts

    Why we chose it

    Progressive offers a long list of discounts that can help Rhode Island drivers lower their auto insurance premiums and customize coverage based on individual budgets with its Name Your Price Tool.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,324.23* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 819** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive offers a long list of discounts that can help Rhode Island drivers lower their auto insurance premiums and customize coverage based on individual budgets with its Name Your Price Tool.

    Pros

    • More than average discounts
    • Accident forgiveness
    • Variety of add-on policies for customization

    Cons

    • Expensive premiums
    • Average customer service ratings
    • Some discounts not offered in certain states
    Read More

    Additional Coverage

    • Roadside assistance
    • Accident forgiveness
    • Gap insurance
    • Rental car reimbursement
    • Custom parts and equipment coverage
    • Rideshare coverage

    Discounts Available

    • Multi-policy
    • Multi-vehicle
    • Continuous insurance
    • Snapshot® program
    • Teen driver
    • Good student
    • Distant student
    • Homeowner
    • Deductibles savings bank

    More Progressive Insurance Reviews

    Geico

    Best for Customer Service

    Why we chose it

    Geico scores above-average in J.D. Power’s Auto Insurance Satisfaction Study, earning a 841 out of 1,000 — well over the average in the region.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $858.91* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 841** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico scores above-average in J.D. Power’s Auto Insurance Satisfaction Study, earning a 841 out of 1,000 — well over the average in the region.

    Pros

    • Lower premiums than some competitors
    • More discounts than competitors
    • Strong financial ratings

    Cons

    • Lower-than-average claims satisfaction
    • Limited add-on coverage options
    • High number of NAIC company complaints
    Read More

    Additional Coverage

    • Personal injury protection
    • Roadside assistance
    • Rental car reimbursement
    • Mechanical breakdown coverage

    Discounts Available

    • Vehicle safety
    • New vehicle
    • Good driver
    • Seatbelt use
    • Defensive driving course
    • Driver’s ed course
    • Employee and membership groups
    • Military
    • Multi-vehicle
    • Multi-policy

    More Geico Insurance Reviews

    Allstate

    Best for Add-On Coverage

    Why we chose it

    Allstate offers a variety of optional coverages that can help Rhode Island drivers customize a policy that meets their unique needs.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $989.12* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 807** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate offers a variety of optional coverages that can help Rhode Island drivers customize a policy that meets their unique needs.

    Pros

    • More additional coverage than some competitors
    • Good discounts for added savings
    • Milewise pay-per-mile program

    Cons

    • More expensive premiums
    • Below average customer satisfaction rating
    • Some endorsements are not available in every state
    Read More

    Additional Coverage

    • Sound system insurance
    • Roadside assistance
    • Personal injury protection
    • Rental car reimbursement
    • New car replacement
    • Accident forgiveness

    Discounts Available

    • New car
    • Drivewise program
    • Multi-policy
    • Smart student
    • Vehicle safety (anti-lock brakes and anti-theft device)
    • Pay in full
    • Safe driving club
    • Deductible rewards

    More Allstate Insurance Reviews

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale.

    The Average Cost of Car Insurance in Rhode Island

    The average cost of car insurance in Rhode Island is $2,066 per year for a full coverage policy and $790 per year for a minimum coverage policy, according to data from Coverage.com. Rhode Island residents pay more for car insurance than drivers in neighboring states, like Massachusetts ($1,399 for full coverage and $478 for state minimums) and Connecticut  ($1,782 for full coverage and $790 for state minimums). 

    There are a few reasons why car insurance in Rhode Island is more expensive than average. Rhode Island has the highest population density in the country, which means traffic accidents are more likely. Additionally, Rhode Island’s coastal location increases the risk of severe weather, like windstorms and flash flooding.

    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 car you drive.

    Top 3 Cheapest Car Insurance Companies in Rhode Island

    CompanyAverage Annual Premium
    Travelers$686.03
    Amica$692.40
    USAA$800.44

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Rhode Island

    CompanyAverage Annual Premium
    Metropolitan$1,440.48
    Progressive$1,324.23
    Allstate$989.12

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Rhode Island

    CityAverage Annual Premium*
    Newport East$1,609.86
    Newport$1,617.38
    Johnston$1,654.97

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Rhode Island

    Based on our sample car insurance quotes, drivers in Providence, North Providence, and Portsmouth pay the highest car insurance rates in Rhode Island.

    CityAverage Annual Premium*
    Providence$2,396
    North Providence$2,356.31
    Portsmouth$1,654.97

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Rhode Island Car Insurance: What You Need to Know

    Before you purchase car insurance in Rhode Island, it’s important to understand the specific driving risks in the state. This can help you decide what type of coverage and how much coverage you might need. Here are a few things to know:

    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 personal liability insurance. Rhode Island drivers are required to carry 25/50/25 liability insurance, which includes the following coverages:

    • $25,000 in bodily injury coverage per person
    • $50,000 in bodily injury coverage per accident
    • $25,000 in property damage coverage per accident

    Additional Car Insurance Coverage in Rhode Island

    In addition to basic liability insurance, many Rhode Island drivers choose to purchase additional coverage for more protection. Here are some of the optional coverage to consider:

    • Collision insurance: Collision insurance pays to repair your vehicle’s damages after a covered accident that you cause.
    • 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.
    • 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: If you lease or finance your vehicle, and your vehicle gets totaled, gap insurance pays the difference between your remaining loan balance and your car’s depreciated value.

    Rhode Island’s At-Fault Law 

    Rhode Island is considered a fault state. That means after an accident, the at-fault driver’s insurance company is responsible for compensating the other driver for their losses, like vehicle repairs or medical bills. 

    However, there are a handful of other states that follow no-fault laws, where a driver’s insurance company automatically pays for their own losses after an accident, regardless of which driver causes the crash. Drivers in no-fault states are required to carry an additional insurance policy called personal injury protection (PIP).

    Rhode Island Car Insurance FAQ

    Methodology 

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Rhode Island, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Rhode Island, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100K bodily injury liability per person$300K bodily injury liability coverage per crash
    • $100K property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Elizabeth Rivelli

    Elizabeth Rivelli Contributing Writer

    Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.

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