The average driver in Rhode Island pays about $1,710 a year for full coverage — about 19% more than the US average of $1,438. That ranks Rhode Island #7 of 51 states (one of the most expensive). The car you drive then shifts it: a cheap-to-insure model can land near $821, a high-loss one well over $12,592.
Rhode Island insurance cost by coverage
Average Rhode Island premium split by coverage type — liability is required, full coverage adds collision + comprehensive.
Minimum car insurance required in Rhode Island
Rhode Island legally requires at least 25/50/25 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. These are legal minimums — most drivers carry more to fully protect themselves.
Minimum coverage is the cheapest to buy, but it may not cover a serious crash — full coverage adds collision and comprehensive for your own car.
Cheapest cars to insure in Rhode Island
Estimated annual premium in Rhode Island, cheapest first — state average × each car's real HLDI loss index.
Know what a car really costs to insure and own.
- Your personalized rate — coverage, age & deductible
- Insurance in the 5-year cost-to-own
- Full coverage breakdown — cost per coverage
- Compare insurance across cars, side by side
- Export estimates to CSV / Excel
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- …and much more
Most expensive cars to insure in Rhode Island
The priciest cars to insure in Rhode Island — powerful, theft-prone and costly to repair.
Rhode Island insurance cost by year
Rhode Island premiums are up about +10% since 2019. Average Rhode Island premium by year:
| Year | Rhode Island avg / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
Car insurance cost in Rhode Island's largest cities
Rates vary within Rhode Island by city and ZIP — dense metros like Providence run above the state average, while smaller towns run below. Estimated typical premium in Rhode Island's biggest cities:
| City | Est. typical / yr | vs state avg |
|---|---|---|
| Providence | $1,881/yr | +10% urban |
| Warwick | $1,830/yr | +7% urban |
| Cranston | $1,796/yr | +5% urban |
| Pawtucket | $1,778/yr | +4% urban |
| East Providence | $1,744/yr | +2% urban |
City figures are estimates — urban areas trend above the state average; your exact rate depends on your ZIP, car and record. Use the calculator above for your specific car.