Cheap Car Insurance in Rhode Island for 2024

Quincy Mutual offers the cheapest car insurance in Rhode Island, with an average annual rate of $1,542 for full coverage.
Updated
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Written by Ben Moore
Assistant Assigning Editor

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Auto insurance is an important purchase, but finding cheap car insurance in Rhode Island isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Rhode Island is Quincy Mutual at $1,607 per year on average, or $134 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Rhode Island. Meanwhile, the average cost of full coverage car insurance in Rhode Island is $2,413 per year, or about $201 per month.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in Rhode Island. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

Minimum coverage in Rhode Island is $899 per year on average, but we found you can likely get a cheaper policy. For example, Amica offers the cheapest rates in Rhode Island at $524 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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How we chose the cheapest companies in Rhode Island

NerdWallet’s editorial team analyzed car insurance rates from 10 auto insurers in Rhode Island and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Rhode Island. For full coverage, we used the below coverage limits:

  • $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 coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Rhode Island where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Rhode Island for 20-year-olds

Drivers in Rhode Island with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Quincy Mutual: $3,989 per year, or about $332 per month.
  2. Geico: $4,598 per year, or about $383 per month.
  3. Amica: $5,326 per year, or about $444 per month.
  4. Progressive: $5,734 per year, or about $478 per month.
  5. Nationwide: $6,197 per year, or about $516 per month.

Cheapest minimum coverage car insurance in Rhode Island for 20-year-olds

Drivers in Rhode Island who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Quincy Mutual: $1,367 per year, or about $114 per month.
  2. Geico: $1,535 per year, or about $128 per month.
  3. Amica: $1,686 per year, or about $140 per month.
  4. Progressive: $2,137 per year, or about $178 per month.
  5. Travelers: $2,344 per year, or about $195 per month.

Cheapest auto insurance in Rhode Island for 20-year-olds with poor credit

Drivers with poor credit in Rhode Island should look at the following insurers with the lowest average rates for minimum coverage:

  1. Geico: $1,897 per year, or about $158 per month.
  2. Amica: $2,826 per year, or about $236 per month.
  3. Travelers: $2,911 per year, or about $243 per month.
  4. Quincy Mutual: $3,037 per year, or about $253 per month.
  5. Progressive: $3,328 per year, or about $277 per month.

Cheapest auto insurance in Rhode Island for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Rhode Island, here are the companies with the lowest average rates for minimum coverage:

  1. Quincy Mutual: $1,464 per year, or about $122 per month.
  2. Amica: $1,981 per year, or about $165 per month.
  3. Geico: $2,020 per year, or about $168 per month.
  4. Travelers: $2,237 per year, or about $186 per month.
  5. Progressive: $2,447 per year, or about $204 per month.

Cheapest auto insurance in Rhode Island for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Rhode Island, here are the companies with the lowest average rates for minimum coverage:

  1. Quincy Mutual: $1,367 per year, or about $114 per month.
  2. Amica: $1,686 per year, or about $140 per month.
  3. Geico: $1,706 per year, or about $142 per month.
  4. Progressive: $2,137 per year, or about $178 per month.
  5. Travelers: $2,344 per year, or about $195 per month.

Cheapest auto insurance in Rhode Island for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Progressive: $2,337 per year, or about $195 per month.
  2. Travelers: $2,666 per year, or about $222 per month.
  3. Quincy Mutual: $2,713 per year, or about $226 per month.
  4. Allstate: $3,010 per year, or about $251 per month.
  5. Geico: $3,291 per year, or about $274 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Rhode Island for 30-year-olds

Drivers in Rhode Island who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Travelers: $1,700 per year, or about $142 per month.
  2. Quincy Mutual: $1,801 per year, or about $150 per month.
  3. Amica: $1,845 per year, or about $154 per month.
  4. Geico: $2,094 per year, or about $175 per month.
  5. Nationwide: $2,626 per year, or about $219 per month.

Cheapest minimum coverage car insurance in Rhode Island for 30-year-olds

Drivers in Rhode Island who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Amica: $529 per year, or about $44 per month.
  2. Travelers: $536 per year, or about $45 per month.
  3. Quincy Mutual: $644 per year, or about $54 per month.
  4. Geico: $700 per year, or about $58 per month.
  5. Progressive: $1,077 per year, or about $90 per month.

Cheapest auto insurance in Rhode Island for 30-year-olds with poor credit

Drivers with poor credit in Rhode Island should consider the following companies with the lowest average rates for full coverage:

  1. Amica: $2,565 per year, or about $214 per month.
  2. Geico: $2,611 per year, or about $218 per month.
  3. Travelers: $3,163 per year, or about $264 per month.
  4. Main Street America: $3,981 per year, or about $332 per month.
  5. Nationwide: $4,385 per year, or about $365 per month.

Cheapest auto insurance in Rhode Island for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Rhode Island, here are the companies with the lowest average rates for minimum coverage:

  1. Quincy Mutual: $644 per year, or about $54 per month.
  2. Travelers: $645 per year, or about $54 per month.
  3. Amica: $741 per year, or about $62 per month.
  4. Geico: $1,041 per year, or about $87 per month.
  5. Progressive: $1,366 per year, or about $114 per month.

Cheapest auto insurance in Rhode Island for 30-year-old drivers with one at-fault crash

For drivers in Rhode Island with a recent accident, here are the lowest average rate options for full coverage:

  1. Travelers: $1,700 per year, or about $142 per month.
  2. Quincy Mutual: $1,801 per year, or about $150 per month.
  3. Amica: $1,845 per year, or about $154 per month.
  4. Geico: $2,352 per year, or about $196 per month.
  5. Nationwide: $2,626 per year, or about $219 per month.

Cheapest auto insurance in Rhode Island for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Travelers: $2,697 per year, or about $225 per month.
  2. Progressive: $3,501 per year, or about $292 per month.
  3. Quincy Mutual: $4,197 per year, or about $350 per month.
  4. Main Street America: $4,798 per year, or about $400 per month.
  5. Nationwide: $4,958 per year, or about $413 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Rhode Island for 40-year-olds

Drivers in Rhode Island with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Quincy Mutual: $1,535 per year, or about $128 per month.
  2. Travelers: $1,608 per year, or about $134 per month.
  3. Amica: $1,792 per year, or about $149 per month.
  4. Geico: $2,064 per year, or about $172 per month.
  5. Nationwide: $2,548 per year, or about $212 per month.

Cheapest minimum coverage car insurance in Rhode Island for 40-year-olds

Drivers in Rhode Island who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Amica: $512 per year, or about $43 per month.
  2. Travelers: $528 per year, or about $44 per month.
  3. Quincy Mutual: $531 per year, or about $44 per month.
  4. Geico: $700 per year, or about $58 per month.
  5. Progressive: $959 per year, or about $80 per month.

Cheapest auto insurance in Rhode Island for 40-year-olds with poor credit

Drivers with poor credit in Rhode Island can check out the following insurers with the lowest average rates for full coverage:

  1. Amica: $2,491 per year, or about $208 per month.
  2. Geico: $2,599 per year, or about $217 per month.
  3. Travelers: $2,921 per year, or about $243 per month.
  4. Quincy Mutual: $3,951 per year, or about $329 per month.
  5. Main Street America: $3,981 per year, or about $332 per month.

Cheapest auto insurance in Rhode Island for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Rhode Island, here are the companies with the lowest average rates for minimum coverage:

  1. Quincy Mutual: $531 per year, or about $44 per month.
  2. Travelers: $634 per year, or about $53 per month.
  3. Amica: $725 per year, or about $60 per month.
  4. Geico: $1,041 per year, or about $87 per month.
  5. Progressive: $1,253 per year, or about $104 per month.

Cheapest auto insurance in Rhode Island for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Rhode Island, here are the companies with the lowest average rates for full coverage:

  1. Quincy Mutual: $1,535 per year, or about $128 per month.
  2. Travelers: $1,608 per year, or about $134 per month.
  3. Amica: $1,792 per year, or about $149 per month.
  4. Geico: $2,347 per year, or about $196 per month.
  5. Nationwide: $2,548 per year, or about $212 per month.

Cheapest auto insurance in Rhode Island for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Travelers: $2,715 per year, or about $226 per month.
  2. Progressive: $3,113 per year, or about $259 per month.
  3. Quincy Mutual: $3,559 per year, or about $297 per month.
  4. Main Street America: $4,798 per year, or about $400 per month.
  5. Nationwide: $4,871 per year, or about $406 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Rhode Island for 50-year-olds

Drivers in Rhode Island with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Quincy Mutual: $1,413 per year, or about $118 per month.
  2. Travelers: $1,479 per year, or about $123 per month.
  3. Amica: $1,668 per year, or about $139 per month.
  4. Geico: $2,128 per year, or about $177 per month.
  5. Main Street America: $2,362 per year, or about $197 per month.

Cheapest minimum coverage car insurance in Rhode Island for 50-year-olds

Drivers in Rhode Island who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Amica: $475 per year, or about $40 per month.
  2. Quincy Mutual: $487 per year, or about $41 per month.
  3. Travelers: $487 per year, or about $41 per month.
  4. Geico: $712 per year, or about $59 per month.
  5. Progressive: $892 per year, or about $74 per month.

Cheapest auto insurance in Rhode Island for 50-year-olds with poor credit

Drivers with poor credit in Rhode Island can check with the following companies, which showed the lowest average rates for full coverage:

  1. Amica: $2,320 per year, or about $193 per month.
  2. Travelers: $2,784 per year, or about $232 per month.
  3. Geico: $3,444 per year, or about $287 per month.
  4. Main Street America: $3,505 per year, or about $292 per month.
  5. Quincy Mutual: $3,631 per year, or about $303 per month.

Cheapest auto insurance in Rhode Island for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Rhode Island, here are the companies with the lowest average rates for minimum coverage:

  1. Quincy Mutual: $487 per year, or about $41 per month.
  2. Travelers: $614 per year, or about $51 per month.
  3. Amica: $686 per year, or about $57 per month.
  4. Geico: $1,066 per year, or about $89 per month.
  5. Progressive: $1,215 per year, or about $101 per month.

Cheapest auto insurance in Rhode Island for 50-year-old drivers with one at-fault crash

For drivers living in Rhode Island with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Quincy Mutual: $1,413 per year, or about $118 per month.
  2. Travelers: $1,479 per year, or about $123 per month.
  3. Amica: $1,668 per year, or about $139 per month.
  4. Nationwide: $2,363 per year, or about $197 per month.
  5. Progressive: $2,407 per year, or about $201 per month.

Cheapest auto insurance in Rhode Island for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Travelers: $2,685 per year, or about $224 per month.
  2. Progressive: $2,874 per year, or about $240 per month.
  3. Quincy Mutual: $3,270 per year, or about $273 per month.
  4. Main Street America: $4,319 per year, or about $360 per month.
  5. Nationwide: $4,540 per year, or about $378 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Rhode Island for 60-year-olds

Drivers in Rhode Island with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Quincy Mutual: $1,326 per year, or about $111 per month.
  2. Travelers: $1,537 per year, or about $128 per month.
  3. Amica: $1,668 per year, or about $139 per month.
  4. Geico: $2,153 per year, or about $179 per month.
  5. Nationwide: $2,202 per year, or about $184 per month.

Cheapest minimum coverage car insurance in Rhode Island for 60-year-olds

Drivers in Rhode Island who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Quincy Mutual: $457 per year, or about $38 per month.
  2. Amica: $475 per year, or about $40 per month.
  3. Travelers: $522 per year, or about $44 per month.
  4. Geico: $723 per year, or about $60 per month.
  5. Progressive: $898 per year, or about $75 per month.

Cheapest auto insurance in Rhode Island for 60-year-olds with poor credit

Drivers with poor credit in Rhode Island can look at the following companies with the lowest average rates for full coverage:

  1. Amica: $2,320 per year, or about $193 per month.
  2. Travelers: $2,941 per year, or about $245 per month.
  3. Quincy Mutual: $3,398 per year, or about $283 per month.
  4. Geico: $3,479 per year, or about $290 per month.
  5. Main Street America: $3,505 per year, or about $292 per month.

Cheapest auto insurance in Rhode Island for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Rhode Island, here are the companies with the lowest average rates for minimum coverage:

  1. Quincy Mutual: $457 per year, or about $38 per month.
  2. Travelers: $667 per year, or about $56 per month.
  3. Amica: $686 per year, or about $57 per month.
  4. Geico: $1,079 per year, or about $90 per month.
  5. Progressive: $1,217 per year, or about $101 per month.

Cheapest auto insurance in Rhode Island for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Rhode Island, here are the companies with the lowest average rates for full coverage:

  1. Quincy Mutual: $1,326 per year, or about $111 per month.
  2. Travelers: $1,537 per year, or about $128 per month.
  3. Amica: $1,668 per year, or about $139 per month.
  4. Nationwide: $2,202 per year, or about $184 per month.
  5. Progressive: $2,313 per year, or about $193 per month.

Cheapest auto insurance in Rhode Island for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Progressive: $2,788 per year, or about $232 per month.
  2. Travelers: $2,832 per year, or about $236 per month.
  3. Quincy Mutual: $3,061 per year, or about $255 per month.
  4. Main Street America: $4,319 per year, or about $360 per month.
  5. Nationwide: $4,483 per year, or about $374 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Rhode Island for 70-year-olds

Drivers in Rhode Island with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Travelers: $1,820 per year, or about $152 per month.
  2. Quincy Mutual: $1,844 per year, or about $154 per month.
  3. Amica: $1,969 per year, or about $164 per month.
  4. Geico: $2,153 per year, or about $179 per month.
  5. Nationwide: $2,413 per year, or about $201 per month.

Cheapest minimum coverage car insurance in Rhode Island for 70-year-olds

Drivers in Rhode Island who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Amica: $568 per year, or about $47 per month.
  2. Quincy Mutual: $647 per year, or about $54 per month.
  3. Travelers: $674 per year, or about $56 per month.
  4. Geico: $723 per year, or about $60 per month.
  5. Progressive: $1,088 per year, or about $91 per month.

Cheapest auto insurance in Rhode Island for 70-year-olds with poor credit

Drivers with poor credit in Rhode Island can look at the following companies with the lowest average rates for full coverage:

  1. Amica: $2,693 per year, or about $224 per month.
  2. Travelers: $3,364 per year, or about $280 per month.
  3. Geico: $3,479 per year, or about $290 per month.
  4. Main Street America: $3,981 per year, or about $332 per month.
  5. Nationwide: $4,054 per year, or about $338 per month.

Cheapest auto insurance in Rhode Island for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Rhode Island, here are the companies with the lowest average rates for minimum coverage:

  1. Quincy Mutual: $647 per year, or about $54 per month.
  2. Amica: $794 per year, or about $66 per month.
  3. Travelers: $856 per year, or about $71 per month.
  4. Geico: $1,079 per year, or about $90 per month.
  5. Progressive: $1,433 per year, or about $119 per month.

Cheapest auto insurance in Rhode Island for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Rhode Island, here are the companies with the lowest average rates for full coverage:

  1. Travelers: $1,820 per year, or about $152 per month.
  2. Quincy Mutual: $1,844 per year, or about $154 per month.
  3. Amica: $1,969 per year, or about $164 per month.
  4. Nationwide: $2,413 per year, or about $201 per month.
  5. Geico: $2,503 per year, or about $209 per month.

Cheapest auto insurance in Rhode Island for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Progressive: $3,405 per year, or about $284 per month.
  2. Travelers: $3,442 per year, or about $287 per month.
  3. Quincy Mutual: $4,299 per year, or about $358 per month.
  4. Nationwide: $4,663 per year, or about $389 per month.
  5. Allstate: $4,665 per year, or about $389 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was the cheapest auto insurance options for 70 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum required auto insurance in Rhode Island

Rhode Island car insurance policies must include liability insurance, which covers others’ injury treatment and property damage if you’re responsible for a crash.

The minimum limits you must select are:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per incident.

  • $25,000 property damage liability per incident.

While buying the minimum car insurance allows you to drive legally, it might not be enough to pay for an accident you cause. Say you cause a crash and total another driver’s expensive luxury car. The property damage could easily exceed your $25,000 limit, and the remaining balance might have to come out of your pocket.

Most drivers can benefit from raising their liability limits beyond the state minimum. You may also want to consider common optional coverages such as collision, comprehensive and uninsured motorist insurance. Check out NerdWallet’s guide to car insurance requirements by state for more help planning your Rhode Island policy.

Alternative Rhode Island car insurance

If you have multiple crashes on record, DUIs, poor credit or other issues, it may be difficult to buy car insurance on the voluntary market. As an alternative, you can seek coverage through the Rhode Island Automobile Insurance Plan.

For more help finding cheap coverage in Rhode Island, try NerdWallet’s car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $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 coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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