Car Insurance Cost in Rhode Island (RI) — 2025 Rates
The average car insurance cost in Rhode Island is $2,300 per year ($192/month), which is 15% above the national average of $2,000/year. Use our calculator below to estimate your personal rate based on age, coverage level, and vehicle type.
Rhode Island Car Insurance Calculator
Estimated Annual Cost
$2,294
Estimated Monthly Cost
$191
| Age Group | Minimum | Standard | Full Coverage |
|---|---|---|---|
| 16–25 | $1,983 | $3,605 | $5,047 |
| 26–35 | $1,262 | $2,294 | $3,212 |
| 36–50 | $1,082 | $1,967 | $2,753 |
| 51–65 | $1,142 | $2,076 | $2,906 |
| 65+ | $1,322 | $2,404 | $3,365 |
| Vehicle Type | Minimum | Standard | Full Coverage |
|---|---|---|---|
| Sedan | $1,262 | $2,294 | $3,212 |
| SUV | $1,395 | $2,536 | $3,550 |
| Truck | $1,328 | $2,415 | $3,381 |
| Luxury | $1,793 | $3,260 | $4,564 |
Frequently Asked Questions
What is the average car insurance cost in Rhode Island?▼
The average car insurance cost in Rhode Island is approximately $2,300 per year or $192 per month for standard coverage. Rates vary significantly based on your age, driving record, coverage level, and vehicle type.
How can I lower my car insurance in Rhode Island?▼
You can lower your car insurance premiums by maintaining a clean driving record, bundling auto and home insurance, increasing your deductible, asking about available discounts (good student, safe driver, multi-car), and comparing quotes from multiple insurers.
What is the minimum car insurance required in Rhode Island?▼
Rhode Island requires drivers to carry minimum liability insurance. The exact minimums vary, but typically include bodily injury liability and property damage liability. Minimum-only coverage in Rhode Island averages around $1,082 per year.
Does my credit score affect car insurance rates in Rhode Island?▼
In most states, including Rhode Island, insurers use credit-based insurance scores as one factor in determining premiums. A better credit score typically results in lower insurance rates. However, some states have restrictions on how credit can be used in pricing.
How much does full coverage car insurance cost in Rhode Island?▼
Full coverage car insurance in Rhode Island averages approximately $2,753 per year for a 36–50-year-old driver with a sedan. Full coverage includes comprehensive and collision in addition to liability.