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...

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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...

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Reviewed by Leslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Nov 12, 2020

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Rhode Island state flagBetter known as the “Ocean State,” Rhode Island is known for its beaches and waterways. Although it’s the smallest state in the union, Rhode Island certainly isn’t the least populated. This population density means trouble for those behind the wheel. With over one million people crammed into a state that could fit into Alaska 425 times, traffic jams and poor road conditions are always going to be a problem. For this reason, Rhode Islanders always need to be sure they are covered with the proper auto insurance.

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Average RI Auto Insurance Rates

Although small in size, Rhode Island is actually quite urban. The Providence metropolitan area is home to over 1.6 million people, making it the 37th most populated area in the United States. In fact, this city is also the 10th most densely populated metropolitan area in the US. Because of this, and other factors, auto insurance rates are high. Rhode Island consistently ranks in the top 10 most expensive states for auto insurance. In 2008, Rhode Island had an average auto insurance expenditure of $986, making it the 7th most expensive state to buy insurance. With prices this high, shopping around for insurance is a must.

This $986 that Rhode Islanders spend on average to insure their vehicles includes $646 of liability coverage, $372 of collision coverage, and $121 of comprehensive coverage. Although liability coverage is the only one that is required by law, collision coverage and comprehensive coverage are also extremely important to have. Liability insurance covers you for damage you do to other cars (if you are ruled to be at fault in an accident). Collision coverage covers for damage done to your own vehicle. Comprehensive coverage protects you from non-collision accidents such as storms, theft, fire, etc.

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Minimum Auto Insurance Requirements In Rhode Island

In Rhode Island, the state liability coverage minimums are:

  • Bodily Injury Liability Coverage – $25,000 per person
  • Bodily Injury Liability Coverage – $50,000 per accident
  • Property Damage Liability Coverage – $25,000 per accident
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Optional coverage options in RI include:

  • Comprehensive Coverage
  • Collision Coverage
  • Medical Payments Coverage
  • Rental Car Reimbursement Coverage
  • Towing and Labor Coverage
  • GAP Coverage

Like in the rest of the United States, auto insurance is required by law in Rhode Island. The minimum coverages required by state law are $25,000/$50,000 bodily injury liability and $25,000 for property damage. Uninsured/Underinsured motorist coverage (UM/UIM) is also required in the state of Rhode Island. The limits for UM/UIM in the state are equal to the limits of your liability coverage. In addition to this, Rhode Island law requires that you carry proof of insurance with you at all times. If you get caught driving without insurance, your license will be suspended until proof of insurance is presented.

Lawmakers in Rhode Island have decided that the state follow the “tort” system. This means that in an accident, somebody has to be ruled “at fault,” and this person is responsible for paying the victim’s medical expenses and compensating for additional damages. Because of this system, most insurance companies recommend that Rhode Islanders carry more than the state’s minimums.

  • For more information regarding Rhode Island’s insurance requirements, please visit their Division of Insurance Regulation website.
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Although insurance rates constantly rank higher in Rhode Island compared with the rest of the country, that does not mean you cannot get affordable rates even if you are a Rhode Islander. Our insurance quote finder tool located at the top of this page will allow you to find the best prices around from a variety of companies. Like they say in all the commercials – when companies compete for your business, you win! That’s what we do here at 4AutoInsuranceQuote.com. Scroll back up to the top of this page and enter your ZIP code to begin.

We can also take a closer look at the ZIP codes within the state to see how rates changed based on different areas.

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There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

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While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

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Rhode Island Auto Insurance rates by Company

Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

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But which companies are the largest, holding the most market share percentage in the region?

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Rhode Island Driving Information

Rhode Island is one of the states located along the famous I-95 highway. Situated between Boston and New York, millions of travelers drive through the state each year. Because of this and other reasons mentioned above, Rhode Island has a high rate of automobile accidents. Since 2005, there has been an average of over 40,000 car accidents in Rhode Island per year. Although this number is decreasing due to measures put into place and new roads being constructed, auto accidents are still a real issue in Rhode Island. 2009 saw 33,808 auto accidents resulting in 83 fatalities. With this type of danger on Rhode Island’s roads, auto insurance is a must.

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Cities/Towns Of Rhode Island Auto Insurance Information Pages

Additional State of Rhode Island and Providence Plantations Auto Insurance Resources