Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Nov 12, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Capital of the smallest state in the nation, Providence, RI is a beautiful city located at the mouth of Narragansett Bay.  Providence has a population of just under 180,000 people, but with a metropolitan area population of over one million, it is often known to be the hub of southern New England.  Being the third largest city in New England, behind Boston and Worcester, Providence has public transportation available to its residents via RIPTA (Rhode Island Public Transit Authority) and MBTA (Massachusetts Bay Transit Authority).  However, lack of a subway system and reliable bus schedules make it difficult for Rhode Island residents to get from place to place without a car.

Providence Car Insurance Laws And Requirements

This means that Providence area residents are, for the most part, drivers.  In the United States, drivers all need adequate auto insurance.  Like everywhere else in Rhode Island, the city of Providence has auto insurance requirements of 25/50/25, which means $25,000 per person bodily injury liability, $50,000 per accident bodily injury liability, and $25,000 for property damage.  In the state of Rhode Island and Providence Plantations, car insurance is required for all vehicles, weather you own it, rent it, or lease it.  Click the following link to read more about car insurance laws, minimums, and requirements in Providence and other Rhode Island cities.

Being a northern city with harsh winters, Providence residents need to be extra careful when driving in the snow.  From mid November to mid April, Providence streets are often times covered in ice, snow, and slush.  Recent statistics show that in the United States, more than 1,000 people are killed annually in car accidents that occur during the snow, with more than 116,800 people being injured.

These slippery roads in the cold Providence winters can present a ton of problems for drivers in the area.  Because of this, we recommend that Providence drivers equip themselves with more than the state minimums of 25/50/25.  In addition to liability insurance, which covers damage you may cause to other drivers/pedestrians/property, 4AutoInsuranceQuote.com recommends the following coverage for Providence drivers:

  • Collision Coverage – If you get into an accident, liability coverage will pay for damages to others, but collision coverage will pay for damages to yourself and your vehicle.
  • Comprehensive Coverage – Comprehensive coverage will pay for non-accident related damages to your vehicle.  This includes weather, theft, etc.  Like stated above, Providence is known for its unpredictable weather, especially in the wintertime.  To protect your vehicle from blizzards, sleet, and hail, you need a comprehensive policy.

Compare over 200 auto insurance companies at once!

 Secured with SHA-256 Encryption

Cheap Auto Insurance Rates In Providence

Providence, RI residents are smart people.  The home of fine academic institutions such as Brown University and the Rhode Island School of Design give people in the area a good reputation for being intelligent.  Clever people know how to save money, and therefore are smart shoppers.  Providence, RI residents have been using 4AutoInsuranceQuote.com for years to save money on their insurance rates.

Here’s how it works:

  1. Enter your Providence, RI zip code in the quote box above (i.e. 02804).
  2. Fill out some brief information about your vehicle make and model.
  3. Let us known some basic info about yourself.
  4. Compare rates from the most reputable Providence, RI insurance agencies and companies.

Providence, RI Insurance Agents

If you would prefer to shop around yourself without the help of our tool, please refer to our list of reputable Providence, RI car insurance agents below:

AAA Insurance
55 Dorrance St
Providence, RI 02903
(401) 272-7100

AAA Insurance
110 Royal Little Dr
Providence, RI 02904
(401) 868-2000

Aon Risk Services
50 Kennedy Plz Fl 10
Providence, RI 02903
(401) 331-7700

Atwood & Palazzo Insurance Agency
565 Broadway
Providence, RI 02909
(401) 272-4340

Auto-Cycle Insurance
500 Broadway
Providence, RI 02909
(401) 421-2005

Brewer & Lord
56 Exchange Ter
Providence, RI 02903
(401) 272-6459

Bryan A Baynes
477 Elmwood Ave
Providence, RI 02907
(401) 781-8680

Burns & Cotter
206 Waterman St
Providence, RI 02906
(401) 421-0100

C & L Agency
242 Reservoir Ave
Providence, RI 02907
(401) 461-8200

Deluca Insurance
1011 Atwells Ave
Providence, RI 02909
(401) 861-1112

Doheny & Pelletier
10 Charles St
Providence, RI 02904
(401) 243-8830

E F Bishop Agency
94 Waterman St
Providence, RI 02906
(401) 421-3210

Edwin De Jesus
760 N Main St
Providence, RI 02904
(401) 270-3042

El Hadji Ndiaye
381 Wickenden St # 2flr
Providence, RI 02903
(401) 455-0155

Farmington Insurance Agency
24 Farmington Ave
Providence, RI 02909
(401) 944-2230

Finkelman, Roy E
C/O The Egis Group Po Box 603377
Providence, RI 02906
(401) 999-9999

Hannes Associates Ltd
240 Pocasset Ave
Providence, RI 02909
(401) 942-2510

Herbert L Emers
1 Richmond Sq
Providence, RI 02906
(401) 272-4080

Insurance Leader
1237 Elmwood Ave
Providence, RI 02907
(401) 781-1810

Juan J Nunez Insurance
202 Messer St
Providence, RI 02909
(401) 461-4660

Katherine E Smith
209 Pocasset Ave
Providence, RI 02909
(401) 275-2101

Kiona Guzman
1214 Broad St Lowr Level
Providence, RI 02905
(401) 785-0806

Landmark Agency – Oluseyi Abioye
292 Academy Ave
Providence, RI 02908
(401) 831-2222

Lawrence A Natale Company
50 Nashua St
Providence, RI 02904
(401) 521-7100

Lighthouse Financial Group
10 Charles St
Providence, RI 02904
(401) 273-9901

McLane Insurance Agency
1099 Broad St Ste A
Providence, RI 02905
(401) 461-1561

McLane Insurance Agency
204 Cranston St
Providence, RI 02907
(401) 453-1411

Paolino Insurance Agency
26 Ship St
Providence, RI 02903
(401) 421-2588

Podmaska Insurance Agency
1309 Chalkstone Ave
Providence, RI 02908
(401) 272-5444

Providence Mutual Fire Insurance
Po Box 6066
Providence, RI 02940
(401) 827-1800

Rhudy Hernandez
181 Broadway
Providence, RI 02903
(401) 351-3338

Richard H Lefebvre
224 Reservoir Ave
Providence, RI 02907
(401) 461-1620

Richard H Lefebvre
1354 Broad St
Providence, RI 02905
(401) 383-9651

Richard H Lefebvre
275 Pocasset Ave
Providence, RI 02909
(401) 383-2322

Richard H Lefebvre Insurance Agency
839 N Main St
Providence, RI 02904
(401) 273-0022

RSC Insurance Brokerage
10 Dorrance St Ste 505
Providence, RI 02903
(401) 831-1463

Stop & Save
1115 Mineral Spring Ave
Providence, RI 02904
(401) 722-9985

The Egis Group
81 S Angell St
Providence, RI 02906
(401) 274-0303

Tim Olugbode
598 Charles St
Providence, RI 02904
(401) 273-2227

Wayne P Johnson
710 Cranston St
Providence, RI 02907
(401) 331-7867

Wayne P Johnson
903 Broad St
Providence, RI 02907
(401) 467-5500

Wayne P Johnson
761 Broad St
Providence, RI 02907
(401) 461-2599

Wayne P Johnson
209 Plainfield St
Providence, RI 02909
(401) 383-5292

Wayne P Johnson
578 Plainfield St
Providence, RI 02909
(401) 942-6444

Wilson Mendez Auto Insurance Agency
187 Academy Ave
Providence, RI 02908
(401) 453-6659