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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)


cheapest car insurance in rhode island

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