Rhode Island Car Insurance Calculator
Figures updated
Three questions only. No name, email or phone. Rhode Island's average is already set.
1 of 2
What's the age of the main driver?
2 of 2
How much cover do you want?
Priced from the NAIC state averages, state rate guides and IIHS-HLDI loss results. How the estimate works
Averages from Rhode Island behind the estimate
NAIC averages for Rhode Island set the starting point. The calculator adjusts that figure based on age, driving record and the car.
| 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).
The way the estimate changes
| Driver | Price compared with an adult, clean record |
|---|---|
| 16 to 24 | x 3.11 |
| 25 to 64 | x 1.00 |
| 65 or older | x 0.94 |
| Clean record | x 1.00 |
| One speeding ticket | x 1.22 |
| One at-fault accident | x 1.50 |
Source: Texas Department of Insurance / OPIC: HelpInsure.com auto sample rates (public form data endpoint https://www.helpinsure.com/api/autoResults behind https://www.helpinsure.com/auto.html); HelpInsure.com Company FAQ (TDI): sample rates are liability-only; DC Department of Insurance, Securities and Banking: 2024 Automobile Insurance Premium Comparison, Sample Profiles (6 month policy).
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