Rhode Island may be the smallest U.S. state in terms of landmass, but its densely populated urban areas are home to a great many people and a need for cheap car insurance. It can be a challenge to get cheap insurance in Rhode Island. 

More and more Rhode Islanders are looking for cheap auto insurance that will protect them in case of an accident but won’t break the bank. If this sounds like you, you may be in luck because CheapInsurance.com has good ideas for getting you on the road with insurance coverage you can afford!

Quick Rhode Island Car Insurance Facts

We’ve compiled some information about driving and insurance in Rhode Island to help you get an idea as to why auto insurance in Rhode Island is often so expensive here:

  • While the state is one of the least populated in the nation, Rhode Island has one of the highest population densities because of the concentration of urban areas in the northeast. 
    • This has an impact on insurance rates simply because the chance of an auto collision is higher. 
  • There are almost 750,000 licensed drivers in the state for over 850,000 registered vehicles. That’s a lot of cars on the road in such a small geographical area!
Rhode Island car insurance, car insurance quotes

Minimum Rhode Island Car Insurance

Having car insurance when you drive isn’t just a good idea it’s necessary to be protected in the event of a collision. More than that, it is illegal to drive without automobile insurance in Rhode Island. 

The Rhode Island state legislature has set requirements for the minimum coverages to operate a vehicle. 

To drive in Rhode Island, you need: 

  • Bodily injury coverage of $25,000 per person
  • Bodily injury coverage of $50,000 per accident 
  • Property damage coverage of $25,000 per accident

Getting Cheap Car Insurance In Rhode Island

It isn’t too difficult to get cheap car insurance in Rhode Island. It just takes a little patience and perseverance. Here’s what we recommend: 

  1. Begin with the state minimums: The cheapest car insurance will be the minimum amount of coverage. Knowing what your state requires will help you find car insurance in Rhode Island that meets those legal requirements. 
  2. Compare prices: Different companies can have big differences car insurance quotes. Get quotes and use the internet to compare rates and find the best auto insurance. 
  3. Be a good driver: Insurance companies give you auto insurance quotes based on how risky they think you are. If you have a clean record, you’ll be able to get lower car insurance.  

Rhode Island Car Insurance Discounts

Who doesn’t enjoy a discount? Lucky for you, there are plenty for insurance carriers in Rhode Island you just have to know what to look for. Your car insurance provider may not tell you about discounts you’re eligible for, so don’t be afraid to ask. 

  • Good Driver: A driving record without DUIs, speeding tickets, accidents, or insurance claims in the past few years can get you 10–30% off your vehicle insurance in Rhode Island. 
  • Good Student: Student drivers may receive 5–20% off for maintaining a 3.0 GPA or “B” average.
  • Safety Features: Some insurers will give you 2–30% off upgrades such as anti-lock brakes and daytime lights installed.

Rhode Island Auto Insurance FAQ

What is the average car insurance cost in Rhode Island?

Average minimum liability insurance is $1,375 per year. Average full coverage car insurance in Rhode Island is $3,589 per year.

How much is auto insurance in Rhode Island per month?

Average minimum coverage is $115 per month. Average full coverage automobile insurance in Rhode Island is $299 per month.

What is the penalty for driving without insurance in Rhode Island?

Driving uninsured in Rhode Island will result in a suspension of your driver’s license and car registration for up to three months and a fee of up to $500 for the first offense.

What is driving like in Rhode Island?

In the bigger cities, traffic congestion can be a problem during rush hour. Unfortunately, drunk driving in Rhode Island is fairly common, which often leads to serious crashes. 

How can I save money on my car insurance in Rhode Island?

CheapInsurance.com has recommendations for ways to save: 

  • If you have more than one vehicle, put them on the same policy for a multi-car discount.
  • Be a good driver so that insurance companies will be willing to give you better car insurance quotes.  
  • Ask your provider if you can pay in installments.
  • If you increase your deductible, you may be able to pay less on your monthly auto insurance premiums.

Other Types of Auto insurance Coverage in Rhode Island

While the minimum required car insurance coverage will get you on the road, there are lots of other kinds you might want to consider. Here are a few: 

Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)

Medical Payments Coverage

Physical Damage Coverage 

Additional kinds of insurance coverages