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Cheapest Car Insurance Rates In Rhode Island (2018)

Finding cheap car insurance in Rhode Island is far more challenging than most people realize because there are dozens of factors that affect your monthly premiums. Each insurance company has a different formula for calculating monthly rates. The secret to finding the best deal is to identify the company that caters to your particular driver profile.

Our researchers handled the heavy lifting for you by evaluating car insurance quotes from nine top providers to find the best rates for:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$/month estimate

$237/month estimate

If you’ve never caused an accident, you should qualify for cheap car insurance in Rhode Island. Safe drivers are less of a liability to insurance companies, so you may be able to cut your monthly expenses by finding a provider who puts a lot of emphasis on accident history. Our estimated premiums are based on a 29-year-old who hadn’t caused any wrecks in the previous five years.

Best Rates For Teen Drivers

$249/month estimate

$/month estimate

Teenagers and young drivers lack the experience to anticipate hazards and respond accordingly, which makes them more prone to accidents. If you need to find cheap car insurance for teenagers in Rhode Island, we recommend that you get a quote from Allstate, which was the company that our study identified as having the lowest insurance rates for young drivers.

Best Rates For Drivers With A DUI

$391/month estimate

$/month estimate

If you’ve been convicted of a DUI, it’s easy to feel like no insurance company wants to cover you. But that’s usually not the case—especially if you find a provider who caters to drivers in this category. Our data indicates that Allstate offers very cheap car insurance for drivers with a DUI or DWI conviction in Rhode Island. These estimates are based on quotes for 29-year-old male and female drivers with one recent DUI.

Best Rates For Senior Drivers

$/month estimate

$223/month estimate

Our test involved a senior driver age 65 who drove 4,000 miles each year, which is one-third the yearly mileage of the 29-year-old motorist used in the other segments of our study. Geico was determined to offer the best auto insurance rates for seniors in Rhode Island.


Most of our monthly premium estimates are based on a 2014 Toyota Corolla with a yearly mileage of 12,000. We estimated the monthly insurance rates based on data from five zip codes in RI for male and female motorists. The estimates in the teen driver segment are based on the state’s minimum insurance requirements. For all other driver categories, the estimates are based on 50/100/25 liability coverage and 50/100/25 uninsured motorist coverage.

How Much Auto Insurance Coverage Are Motorists In Rhode Island Required By Law To Purchase?

In the state of Rhode Island, drivers must carry car insurance that meets the following limits:

  • $25,000 Per Person / $50,000 Per Accident
  • $25,000 For Damage To Property
  • $25,000 Per Person / $50,000 Per Accident For Bodily Injuries Caused By An Uninsured Motorist (only required if your bodily injury coverage is higher than the minimum limits)

Penalties For Driving Without Car Insurance In Rhode Island

After a surge in road deaths, Rhode Island lawmakers have cracked down on errant motorists in recent years. As part of their war on the area’s tar-bound bandits, authorities have paid special attention to those taking chances by driving without insurance.

The First Offense

While Rhode Island does not keep a statewide electronic database like many other states, its traffic officers regularly set up checkpoints and pull over suspicious drivers. If, when you are pulled over by traffic officers, you are no able to present proof that you possess insurance, you will be fined between $100 and $500.

Authorities will also suspend your registration and license. Take note: unlike some other states, you will not be able to reinstate either your license or registration until the three-month period has elapsed.

Second and Subsequent Offenses

Serial offenders are taking big risks. The state’s tame punishment for a first offense is nothing compared to penalties lying in wait for pathological lawbreakers.

If you are caught a second time, authorities will suspend your license and registration for six months, you will be fined $500 and you will have to fork out almost $600 in fees to reinstate both documents.

If, after that, you still haven’t learned you lesson, your license and registration will be suspended for a full year and you will be $1,000 poorer. Stick to gambling in a casino.

Can I File A Claim If I Was Partially At Fault For The Crash?

Rhode Island employs a fault-based insurance system, which means that drivers are not required to carry no-fault auto insurance. However, there are no-fault policies available that cover certain types of damages no matter who was at fault for a crash. If you have one of these policies, you can file a claim against your own insurance company.

Tips For Filing Your Auto Insurance Claim

1. Prepare For Anything

It’s time to channel the enthusiasm you could never muster when your math teacher set you extra homework back in the 11th grade. Overachievers reign supreme in the world of claims and settlements.

Remember this: too much evidence is a fairytale. Collect as much documentation as you can such as photographs from the scene of the crash, lists of property damage and repair costs, medical-related expenses and doctor’s assessments, and your own copy of the police’s official report on the crash.

2. Understand Your Case

The insurer will be looking at your case to figure out whether you were to blame for the crash, whether the amount of money you are asking for is justifiable, and whether the documentation provided adequately supports your case. Once you understand the claims process, you will be better able to build a rock-solid case.

3. Be Willing To Negotiate

If you feel your insurer has offered you an unfair settlement, do not hesitate to negotiate for a better payout. The success of your settlement negotiations will ultimately hinge on the evidence you have gathered to support your claim.

4. Call Early And Often

Your first call after a crash should be to the police. Your second should go straight through to the insurer. Why? It’s simple. From the moment you smack into another driver, or vice versa, evidence is already fading. Procrastinate and the evidence that shows you were not at fault may disappear.

Once your claim is filed with your insurer, don’t just sit back and relax. Following up with agents at your insurance company takes just a few minutes and will help clear up any confusion surrounding the process.

Who Is Covered By My Car Insurance In Rhode Island?

In most cases, any licensed drivers residing in your household will be covered to operate your vehicle. Plus, most policies also cover any licensed individual who you have given permission to make use of your car.



cheapest car insurance in rhode island

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