Car Insurance in Rhode Island
Updated figures on
Costs for Rhode Island drivers, the legal minimum, and which insurers charge the least
- $154.monthly average for full coverage.
- 25/50/25.the lowest liability limits.
- 9th of 51.the priciest state (1st = highest).
How much car insurance costs in Rhode Island
Drivers in Rhode Island who carry full coverage pay $1,850 a year on average, about $154 a month. Policies that carry only the legal minimum average $1,041 a year. This is 15% higher than the US average, which is $1,613 a year.
| 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's legal minimum
At a minimum, Rhode Island requires 25/50/25 liability coverage. Coverage includes $25,000 for each injured person and at least $50,000 for all injured people in one crash. At least $25,000 covers damage to other people's property.
Costs fall on the driver at fault in Rhode Island, with liability coverage handling the payment for a crash they caused.
Although it isn't required, insurers must offer uninsured motorist coverage in most states.
How many drivers in Rhode Island lack insurance
In 2023, about 12% of Rhode Island drivers had no car insurance, the 25th highest share of the 51. If an uninsured driver hits you, uninsured motorist cover pays your bills.
More about car insurance in Rhode Island
Originally written