Rhode Island Car Insurance
The average Rhode Island driver pays $2,040/year for full coverage and $880/year for state minimum. Compare quotes from top carriers and find the right fit in five minutes.
Compare Rhode Island quotes →At a glance
- Avg. full coverage
- $2,040 / year
- Avg. minimum coverage
- $880 / year
- State minimum
- 25/50/25
- No-fault state?
- No
- PIP required?
- No
- UM/UIM required?
- Yes
Rhode Island Minimum Coverage Requirements
The minimum auto insurance coverage required to legally drive in Rhode Island is:
25/50/25
$25K bodily injury per person, $50K per accident, $25K property damage
These minimums are not the same as what most drivers should carry. State minimums protect you from a small fender bender — they fall far short of what you'd need after a serious accident with injuries. Most financial advisors recommend at least 100/300/100 in liability limits for households with meaningful assets.
Top Car Insurance Carriers in Rhode Island
By market share, these carriers write the most policies in Rhode Island:
- 1GEICO
- 2Allstate
- 3Amica
- 4Progressive
- 5Liberty Mutual
Market share doesn't mean cheapest — the carrier with the most customers in your state may not be the one that quotes you the best rate.
What's different about Rhode Island
Small state with dense traffic. Amica (HQ in RI) consistently rated top for service.
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Premium estimates are based on publicly reported industry averages and are intended as a rough guide. Your actual quote depends on driver record, vehicle, coverage choices, and ZIP code. Quorrio is an independent comparison marketplace, not an insurance company, agent, or broker.