Cheapest Car Insurance in Rhode Island
Numbers refreshed
Where Rhode Island publishes prices, insurers are ranked by them, and you can learn ways to cut your own bill.
- $87.the average monthly cost of the legal minimum.
- 25/50/25.the minimum liability limits.
- 9th of 51.the costliest state on the list (1st = highest).
Who is the cheapest in Rhode Island
Because Rhode Island doesn't publish a price comparison of insurers, nobody can rank every company there using official figures. Averaging $1,041 a year, the cheapest legal policy comes to about $87 a month (NAIC).
Get quotes from at least three insurers using the same limits and deductibles. For one driver, prices often vary widely depending on whether you ask a direct writer, a local agent or a regional company.
How to pay less
- Keep the state minimum only on an old car you could replace with cash: dropping collision and comprehensive saves $809 a year on the Rhode Island average.
- Raise your deductible. What you save over a year often beats the extra cost of one claim.
- Ask for every discount by name: multi-car, good student, paying in full, bundling home and auto, safe-driving apps.
- Compare prices again each time you renew. A rise for you doesn't mean other companies went up too.
More about car insurance in Rhode Island
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