Full Coverage Car Insurance in Rhode Island
Numbers refreshed
Liability, collision and comprehensive together, priced from the Rhode Island averages.
- $154.a month on average for full coverage.
- 25/50/25.the minimum liability limits.
- 9th of 51.the most expensive state (1st = highest).
The cost of full coverage in Rhode Island
Full coverage adds collision and comprehensive to liability. Those two parts run $809 a year in Rhode Island, added to the $1,041 average for liability.
| 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 point where full coverage stops paying for itself
Lenders and lease companies require it as long as you owe money on the car.
With the car paid off, check what it's worth against the $809 a year extra cover costs. When a single bad year of premiums would cover most of the car's value, liability only usually makes more sense.
Full coverage for each car in Rhode Island
These estimates are for an adult with a clean record, based on IIHS-HLDI loss results. These are the lowest and highest among the 40 models we price:
| Car | Per year | Per month |
|---|---|---|
| Honda Pilot | $1,156 | $96 |
| Honda CR-V | $1,201 | $100 |
| Subaru Outback | $1,261 | $105 |
| Toyota RAV4 | $1,425 | $119 |
| Kia Forte | $2,461 | $205 |
| Chevrolet Camaro | $2,807 | $234 |
| Dodge Charger | $3,394 | $283 |
| Dodge Challenger | $3,402 | $283 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
Extra reading on car insurance in Rhode Island
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