Best & Cheapest Car Insurance in Rhode Island as Rated by Customers in 2024
Figuring out which Rhode Island car insurance company is right for you can be challenging. By reading about other customers experiences in Clearsurance company reviews, you can figure out which company is right for you. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Rhode Island. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Rhode Island car insurance companies.
In the table above, you can sort through all the Rhode Island car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers.
Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Rhode Island car insurance rankings.
Interested in learning more about one of these Rhode Island car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any insurance discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.
On this page:
- Who offers the cheapest teen car insurance rates in Rhode Island?
- Who offers the cheapest car insurance rates for a married couple in Rhode Island?
- Who offers the cheapest senior car insurance rates in Rhode Island?
- 10 Cheapest areas in Rhode Island for car insurance
- 10 Most expensive areas in Rhode Island for car insurance
- Minimum car insurance coverage and limits in Rhode Island
Who offers the cheapest teen car insurance rates in Rhode Island?
Because of a lack of driving experience, car insurance for teens can be pricey. They can be looked at as a high-risk driver, since they don't have much in the way of driving history. It can help to shop around to find the best prices. Though it's also best to teach them proper driving habits. A defensive driving course can help too. Out of the five largest auto insurers in Rhode Island, GEICO is the cheapest auto insurance option for both male and female teen drivers on average.
| Company | Female teen rates | Male teen rates |
|---|---|---|
| Allstate Insurance | $2,926 | $3,263 |
| Amica Mutual Insurance Company | $3,882 | $4,227 |
| Geico | $2,411 | $2,493 |
| Nationwide | $2,834 | $3,512 |
| Progressive | $4,798 | $5,378 |
These rates are based on profiles for 18-year-old male and female drivers in Rhode Island. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Rhode Island will differ. Rate data is provided by Quadrant Information Services.
Who offers the cheapest car insurance rates for a married couple in Rhode Island?
Out of these companies, GEICO offers the cheapest car insurance rates for married couples in Rhode Island on average. The table below displays Rhode Island car insurance rates for a married couple with two cars on a policy from the five largest companies in the state.
| Company | Married couple rates |
|---|---|
| Allstate Insurance | $2,263 |
| Amica Mutual Insurance Company | $1,829 |
| Geico | $1,278 |
| Nationwide | $2,224 |
| Progressive | $2,799 |
These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had one driving incident within the past three years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Rhode Island will differ. Rate data is provided by Quadrant Information Services.
Who offers the cheapest senior car insurance rates in Rhode Island?
Among the five most popular auto insurance companies in Rhode Island, GEICO provides the cheapest car insurance rates for male and female senior drivers on average. While rates do tend to go down the older a person gets, it's also important to note that this is based on clean driving history. Someone with a clean driving record is going to have lower rates, regardless of age.
| Company | Female senior rates | Male senior rates |
|---|---|---|
| Allstate Insurance | $1,558 | $1,655 |
| Amica Mutual Insurance Company | $2,332 | $2,332 |
| Geico | $1,026 | $1,026 |
| Nationwide | $1,372 | $1,480 |
| Progressive | $1,684 | $1,826 |
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Rhode Island will differ. Rate data is provided by Quadrant Information Services.
What are the 10 cheapest areas in Rhode Island for car insurance?
Car insurance rates are determined based on your risk of filing a car insurance claim. Since different areas of Rhode Island have different risks, car insurance rates vary depending on where you live. In the table below, you can see the top 10 cheapest areas in Rhode Island for car insurance based on average rates for single adults.
| Area | Car insurance rates |
|---|---|
| Jamestown | $1,196 |
| Middletown | $1,199 |
| Newport | $1,204 |
| Little Compton | $1,215 |
| Block Island | $1,225 |
| Westerly | $1,236 |
| Portsmouth | $1,248 |
| Prudence Island | $1,260 |
| Tiverton | $1,302 |
| Bradford | $1,304 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Rhode Island will differ. Rate data is provided by Quadrant Information Services.
What are the 10 most expensive areas in Rhode Island for car insurance?
Depending on certain factors, including as crime rate and severe weather, car insurance rates can be more expensive in certain areas of Rhode Island than others. The table below displays the top 10 most expensive areas in Rhode Island for car insurance based on average rates for a single adult.
| Area | Car insurance rates |
|---|---|
| Providence | $2,043 |
| North Providence | $1,997 |
| Johnston | $1,923 |
| Central Falls | $1,898 |
| Cranston | $1,877 |
| Pawtucket | $1,876 |
| Peace Dale | $1,833 |
| Rumford | $1,748 |
| Adamsville | $1,738 |
| East Providence | $1,736 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Rhode Island will differ. Rate data is provided by Quadrant Information Services.
What are the minimum car insurance coverage requirements and limits in Rhode Island?
Rhode Island drivers are required to have two different auto insurance coverages: liability and uninsured/underinsured motorist coverage. The minimum limits for these coverages, listed below, will ensure that you’re a legal driver, but they may not be enough to cover you in the event of a costly accident. You should consider obtaining higher limits to ensure you have enough protection.
While uninsured/underinsured motorist coverage is required in Rhode Island, you do have the option to decline this coverage. Keep in mind, though, you wouldn’t be protected in an accident caused by uninsured drivers or a driver who doesn’t have sufficient auto insurance coverage. Plus, this coverage would protect you if you were a victim of a hit-and-run accident.
In Rhode Island, 15.2 percent of drivers are uninsured, according to 2015 data from the Insurance Information Institute. That’s the 13th highest rate in the country, making uninsured motorist coverage important.
Rhode Island state minimum car insurance requirements:
Liability:
- Bodily injury — $25,000 per person
- Bodily injury — $50,000 per accident
- Property damage — $25,000 per accident
Uninsured/underinsured motorist coverage:
- Bodily injury — $25,000 per person
- Bodily injury — $50,000 per accident
- Property damage — $25,000 per accident
Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.
Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.
Now you know what coverages are required, but what about the additional coverage options you can buy in Rhode Island? The two most common — and ones you’ve likely heard of — are collision coverage and comprehensive coverage. Both of these coverages provide additional protection for your vehicle. Another coverage to consider is medical payments, which covers your accident-related medical expenses, regardless of fault. Some companies offer roadside assistance, as well, so it’s important to ask your company about what coverages they offer.
How are auto insurance rates calculated in Rhode Island?
When searching and comparing auto insurance quotes from the best auto insurance companies in Rhode Island, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:
- Your driving record
- How much you drive
- Location
- Age
- Marital status
- Gender
- Your car’s make, model and year
- Your credit history
- Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)
One of the biggest misunderstandings when it comes to coverage rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?
Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.
How can you save money on your car insurance in Rhode Island?
At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Rhode Island car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.
Here are six ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies
- Consider raising your deductibles
- Pay your auto insurance policy in full
- Try usage-based car insurance
- Monitor price changes to your policy
- Shop for better insurance rates
You can obtain more personalized quotes by talking with your insurer. Not only will this allow you to make financial decisions with confidence, but you may also be given insight into other ways to save money. If you have excellent credit, or a clean record when it comes to driving, you may be offered discounts on your policy service options.
Even if you don't, there are other ways to receive compensation, because there are so many types of discounts available. Some other financial offers may include military, or good student discounts if you have drivers on your policy who are still in school and have excellent scores in their classes. You don't always have to look for the cheapest options, because there are so many ways you can end up saving money.
Is there a specific way that Clearsurance rates and ranks companies?
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim service
- Likelihood to renew
The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better. We don't just focus on the cheapest rates and who makes the most affordable company to choose. The average driver tends to look at reviews before making an informed decision.
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings. We make sure that we only use valid reviews to ensure we provide accurate content.
Is there a car insurance guide with more information?
Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.
Frequently Asked Questions
Who offers the cheapest teen car insurance rates in Rhode Island?
Because of a lack of driving experience, car insurance for teens can be pricey. It can help to shop around to find the best and most affordable rate for them. Out of the five largest auto insurers in Rhode Island, GEICO is the cheapest car insurance option for both male and female teen drivers on average.
Who offers the cheapest car insurance rates for a married couple in Rhode Island?
Out of these companies, GEICO offers the cheapest car insurance rates on auto policies for married couples in Rhode Island on average.
Who offers the cheapest senior car insurance rates in Rhode Island?
Among the five most popular auto insurance companies in Rhode Island, GEICO provides the cheapest car insurance rates for male and female senior drivers on average. Financial stability is important for senior drivers, so it makes sense that they would want to look for an affordable coverage policy.