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 plenty of vehicles too. Because of this, it can be costly to get car insurance in Rhode Island. 


More and more Rhode Islanders are looking for cheap car 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 Cheap Insurance’s goal is to get you on the road with legal 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 insurance 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

Minimum Rhode Island Car Insurance Coverage

Having car insurance coverage 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 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 here in Rhode Island. It just takes a little patience and perseverance. Here’s what we recommend: 

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

Rhode Island Car Insurance Discounts

Who doesn’t enjoy a discount? Lucky for you, there are plenty for drivers 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 score you 10–30% off. 
  • 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.


What is the average car insurance cost in Rhode Island?

Average minimum liability policy: $1,375 per year. Average full coverage policy: $3,589 per year.

How much is car insurance per month in Rhode Island?

Average minimum liability policy: $115 per month. Average full coverage policy: $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 policy in Rhode Island?

Here are Cheap Insurance’s 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 rates.  
  • Ask your provider if you can pay in installments.
  • If you increase your deductible, you may be able to pay less on your monthly premiums.

Other Types of Coverage

While the minimum required 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 coverage 
    • Towing and road service
    • Rental car reimbursement 
    • Gap insurance

Cities We Cover In Rhode Island

Getting cheap car insurance is now easier than ever with Cheap Insurance. If you live in one of the listed cities below, we’d love to help you with your car insurance needs.