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The best cheap car insurance in Rhode Island

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Car insurance is fairly expensive for Rhode Island drivers. The average driver pays $1,300, about $300 more than the US national average, according to the Insurance Information Institute. There are some ways to save if you’re willing to put in a few minutes of work. 

Shopping around for coverage is the best way to make sure you’re getting the best price for you. Your premium, or the amount you’ll pay for auto insurance coverage, depends on several factors, including things like your credit score, the type of car you drive, how many years of driving experience you have, and even where you live in Rhode Island.  

Every company weighs these factors differently, so getting quotes from different companies and comparing them is the best way to find the most affordable policy for you.   

The following are the most popular car insurance companies in Rhode Island, based on the percentage of insured Rhode Island drivers who use them:

Company Market share (%)
Progressive 24.40
GEICO 12.99
Amica 11.44
Allstate 10.41
USAA* 6.66
Liberty Mutual 6.11
MetLife 4.71
Nationwide 4.64
MAPFRE 2.71
Travelers 2.47
State Farm 2.35
American Family 2.29
Auto Club Exchange 2.17
Selective 1.19
Providence Mutual Fire Ins 1.07
Ohio Mutual Insurance 1.03
The Hartford 0.55
Quincy Mutual 0.50
National General Holdings 0.44
Horace Mann 0.34

*USAA is only for active military, veterans, and their families.

Data from S&P Global Market Intelligence

The best car insurance in Rhode Island based on customer satisfaction

Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the New England region (which includes Rhode Island):

  1. Amica Mutual
  2. State Farm
  3. GEICO
  4. Region Average
  5. Progressive
  6. The Hanover 
  7. Arbella
  8. Liberty Mutual
  9. Plymouth Rock Assurance
  10. Travelers
  11. Allstate
  12. MetLife
  13. Safety Insurance 
  14. MAPFRE Insurance 

The best cheap car insurance in Rhode Island based on credit score

Consumer Reports compiled a list of all car insurance pricing formulas from all companies in every state. It used an average single adult driver to find the best pricing in each state, and found that three companies came out on top for three different credit levels. Here are the three best companies and their average price for coverage:

Drivers with excellent credit, meaning a FICO score of 800-850, will see some of the best average rates on car insurance.

  • USAA car insurance: $562 per year
  • Amica car insurance: $1,432 per year
  • Allstate car insurance: $1,550 per year

Drivers with good credit, meaning a FICO score of 670-739, will see the best coverage from these three companies, on average:

  • USAA car insurance: $760 per year
  • Amica car insurance: $1,864 per year
  • Progressive car insurance: $1,880 per year

Those with poor credit, meaning a FICO score of 300-579, will pay more for their car insurance, on average.

  • GEICO car insurance: $1,764 per year
  • USAA car insurance: $2,469 per year
  • Nationwide car insurance: $2,637 per year

The best car insurance in Rhode Island for drivers with a clean record

For a driver in Rhode Island age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

Company Average monthly insurance premium 
Progressive $190
GEICO $193
Esurance $202
USAA* $233
Liberty Mutual $260
Allstate $399

*USAA is only for active military, veterans, and their families.

Above data obtained from Savvy, based on 444 policyholders in the state of Rhode Island

Best car insurance in Rhode Island for one or more accidents on record

For a driver in Rhode Island age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

Company Average monthly insurance premium 
Esurance $186
GEICO $191
Allstate $239
Progressive $264

Above data obtained from Savvy, based on 444 policyholders in the state of Rhode Island

Rhode Island car insurance rates by city

Below is the estimated average annual premium of auto insurance policies per household in Rhode Island’s most populous cities:

City Average annual insurance premium 
Providence $1,354
Cranston $1,501
Warwick $1,483
Pawtucket $1,387
East Providence $1,443
Woonsocket $1,334
Newport $1,460
Central Falls $1,258
Westerly $1,449
Newport East $1,457
Valley Falls $1,511
Greenville $1,578
Cumberland Hill $1,624
Wakefield-Peacedale $1,523
Tiverton $1,532
Kingston $1,513
Pascoag $1,531
Narragansett Pier $1,446
Harrisville $1,363
Chepachet $1,672
Hope Valley $1,591
Ashaway $1,535
Bradford $1,514
Melville $1,396
Harmony $1,667
Carolina $1,642
Greene $1,585
Foster Center $1,609
Quonochontaug $1,476
Misquamicut $1,510
Weekapaug $1,459
Clayville $1,652
Wyoming $1,622
Watch Hill $1,563

Data from S&P Global Market Intelligence

Who gets the best cheap car insurance in Rhode Island?

As the data above shows, your credit score is one of the bigger influences on the price you’ll pay for coverage. But, there are many other factors that play into your premium, too. With every company considering them differently, it’s critical to shop around. 

If you want to get the best car insurance rate for you, you’ll need to start by getting quotes from several different insurance companies. Once you have a few different quotes, you’ll want to compare them and look for the policy that gives you the most coverage for your money by giving the most coverage types and the highest limits. Also look at the deductible, or the amount you’ll pay out-of-pocket if you get into an accident. 

The driver who gets the best deal in Rhode Island is the one who shops around for their coverage. Compare quotes and look beyond the premium to find the best-priced coverage for you. 

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