Average car insurance cost in Rhode Island
Rhode Island is one of the most expensive places in America to insure a car, ranking #46 of 51. The average driver here pays about 33% more than the national average — an extra $816 a year for the same coverage a driver in a cheaper state gets for less.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Rhode Island compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in Rhode Island next to nearby states:
| State | Full coverage /mo | Difference vs RI |
|---|---|---|
| Rhode Island | $276 | — |
| Massachusetts | $181 | −$95/mo |
| Connecticut | $305 | +$29/mo |
Rhode Island car insurance FAQ
How much is car insurance in Rhode Island?
Full-coverage car insurance in Rhode Island averages $276 per month ($3,312 per year). A state-minimum liability policy averages $107 per month ($1,284 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Rhode Island more expensive than average?
Yes. Rhode Island's full-coverage average of $276/month is about 33% above the U.S. average of $208/month, ranking #46 of 51 (1 = cheapest).
Is Rhode Island a no-fault state?
No. Rhode Island is an at-fault (tort) state — the driver who causes an accident is responsible for the other party's injuries and property damage through their liability coverage.
How much cheaper is minimum coverage in Rhode Island?
Minimum liability in Rhode Island averages $107/month versus $276/month for full coverage — a gap of $169/month, or $2,028/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.