Average Car Insurance Cost in Rhode Island
Numbers refreshed
NAIC averages for Rhode Island show each coverage type and the state's national rank.
- $1,850.the yearly average for full coverage.
- 25/50/25.the lowest liability limits.
- 9th of 51.the most expensive state (1st = highest).
Average cost by coverage in Rhode Island
In Rhode Island, full coverage runs at $1,850 a year on average. The yearly US average is $1,613, and this cost is 15% higher.
During 2023, average spending per insured car was $1,543; in 2024, it reached $1,671, an 8.3% increase.
| Coverage in Rhode Island | Per year | Per month |
|---|---|---|
| Liability | $1,041 | $87 |
| Collision | $600 | $50 |
| Comprehensive | $209 | $17 |
| Full coverage (all three) | $1,850 | $154 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Rhode Island compared with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Texas | 6th | $1,917 | $160 |
| New Jersey | 7th | $1,878 | $157 |
| Nevada | 8th | $1,866 | $155 |
| Rhode Island | 9th | $1,850 | $154 |
| Colorado | 10th | $1,835 | $153 |
| Michigan | 11th | $1,791 | $149 |
| Maryland | 12th | $1,768 | $147 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The number for you
Averages combine all ages and records. The Rhode Island calculator adjusts for your age and driving record.
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