Cheapest auto insurance in Rhode Island for 2021

 Despite being the smallest state, Rhode Island has one of the highest population densities. In 2019, the state had an estimated 761,000 licenced drivers and nearly 869,000 registered vehicles. In order to legally operate a vehicle in Rhode Island, every driver must have a minimum amount of car insurance.

Cheapest auto insurance in Rhode Island for 2021

Car insurance rates in Rhode Island are higher than the national average, possibly due to the high number of drivers and cars on the roads in such a small area. An annual full coverage car insurance policy costs $2,018 on average, while a minimum coverage policy costs $749 on average. If you're looking for the cheapest car insurance in Rhode Island, Bankrate's research could help.

Cheapest auto insurance in Rhode Island

If you are looking for low-cost car insurance in Rhode Island, the following companies may be a good place to start:


Amica is a Rhode Island-based insurance company that has the highest official rating in New England for overall customer satisfaction. Power Auto Insurance research. The company has the lowest average minimum coverage premium on our list, as well as a lower full coverage premium than the state of Rhode Island. 
Amica is one of the few property and casualty insurance companies that provides dividend policies, which allow drivers to recoup up to 20% of their premium at the end of the policy period. Amica also offers discounts to homeowners, loyal customers, good students, safe drivers, students away at school, signing up for automatic payments, and owning a vehicle with certain vehicle safety features.


If you are a current or retired military member, or an immediate family member of a military member or veteran, USAA may be a good option for car insurance. The company provides the most affordable full coverage on our list, as well as numerous discounts to help you save even more. Despite the fact that USAA is not eligible for official ranking due to eligibility restrictions, the company received the most points in the 2020 U.S. Auto Insurance Study in New England.

If you want to save even more money on your premium, USAA offers discounts for first-time car owners, safe drivers, and good students. You could also save for vehicle storage on a military base or for storing your car while you are deployed. You could add options like roadside assistance or accident forgiveness to your coverage if you want to customise it.


If you want a lot of optional coverages, such as ridesharing coverage, new car replacement, gap insurance, roadside assistance, and accident forgiveness, Travelers may be a good choice. 

Travelers provides a variety of discount options in addition to excellent coverage options. Owning a hybrid or electric car, having continuous insurance, getting a quote before your current policy expires, taking a driver training course, being a good student, insuring multiple vehicles, owning a home, and other activities can all result in savings.


Although it is not the cheapest company on our list, Geico may be a good option if you prefer to manage your insurance online. The company provides a robust online customer portal as well as a highly rated mobile app. On the App Store, the app has over 2.7 million reviews and a rating of 4.8 out of 5.0. Over 376,000 people have reviewed the app on Google Play, giving it a rating of 4.8 out of 5.0. You can view ID cards, change your policy, call for roadside assistance, and file a claim all from within the app.

Geico also provides a variety of discounts that may assist you in keeping your premium low. You could save up for a vehicle with anti-lock brakes, air bags, daytime running lights, or an anti-theft system. Savings are also available for federal employees, military personnel, good students, and safe drivers. In the New England region, Geico also received above-industry-average customer satisfaction ratings.


Nationwide has the highest minimum coverage premium and the second-highest full coverage premium on our list, but you should still get a quote. The company provides a plethora of optional coverages that may allow you to tailor your policy to your specific needs. Optional extras include accident forgiveness, towing and labour coverage, and gap insurance. You could also take advantage of the Vanishing Deductible programme, which deducts $100 from your deductible for each year you do not file a claim, up to a total of $500.

Nationwide also provides a number of discounts that you may be able to take advantage of. You could save money by insuring multiple vehicles or purchasing multiple policies from Nationwide, avoiding accidents, enrolling in automatic payments, or driving defensively. Nationwide also has two telematics programmes, SmartRide and SmartMiles, that may save you money based on your driving habits.

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