The Average Cost of Car Insurance in Rhode Island: What You Need to Know

When it comes to car insurance, there are many different factors that can affect the cost. Insurance companies consider various information to determine your premium, from your driving record to the type of car you drive. If you live in Rhode Island, you may wonder what the average car insurance cost is in your state. In this blog, we’ll break down everything you need to know about the cost of car insurance in Rhode Island.

Factors that Affect Car Insurance Rates

There are many factors that can affect how much you pay for car insurance. These include your age, gender, location, driving record, and type of car. In Rhode Island, the state’s high population density and frequent severe weather conditions impact the average cost.

The Average Cost of Car Insurance in Rhode Island

According to recent data from The Zebra, an independent insurance comparison site, the average cost of car insurance in Rhode Island is $1,725 per year. This makes Rhode Island the 14th most expensive state for car insurance in the US. However, remember that this is just an average, and your actual cost may vary depending on your circumstances.

How to Save on Car Insurance

While car insurance is necessary, there are ways to save money on your premium. Some tips to save would include maintaining a clean driving record, bundling your car insurance and homeowners insurance, and choosing a safe and affordable car. Additionally, many companies will offer discounts for things like being a good student or having certain safety features in your vehicle.

Additional Coverage Options

When considering car insurance, exploring additional coverage options that might benefit you is crucial. In Rhode Island, beyond the mandated liability coverage, there are several other types of coverage that you might consider:

  1. Collision coverage: Collision coverage covers the cost of repairs to your vehicle in the event of a collision, no matter who is at fault. 
  1. Comprehensive coverage: Comprehensive coverage covers damages to your vehicle from events, not including a collision, such as theft, vandalism, or weather damage.
  1. Uninsured/Underinsured Motorist Protection: If you’re in an accident with a motorist who doesn’t have sufficient insurance, this coverage will protect you.
  1. Medical Payments coverage: This can help cover medical or funeral expenses if anyone in your car is injured or killed in an accident.

Remember, while these extra coverages can increase the cost of your car insurance in Rhode Island, they provide additional protection and peace of mind. It’s important to weigh the potential benefits against the costs to determine the most sensible coverage for your specific circumstances. Always consult with a trusted insurance professional to help navigate these decisions.

Rhode Island’s Car Insurance Regulations

In Rhode Island, as in every state, there are specific regulations that drivers must adhere to when it comes to car insurance. For starters, Rhode Island operates under a “tort” system, which means that the person found at fault for an accident is responsible for all the damages. Therefore, all drivers must have liability insurance to cover the cost of any damage or injuries they may cause to others in an accident.

The minimum liability coverage amounts in Rhode Island are $25,000 for bodily injury per person, $50,000 for total bodily injury if multiple people are hurt in an accident, and $25,000 for property damage. It’s important to note that these are just the minimum requirements, and many drivers carry more coverage for added protection. 

Rhode Island also requires drivers to carry uninsured motorist coverage. This helps cover your medical expenses if you’re hit by a driver who is uninsured or doesn’t have enough insurance to cover your costs. The minimum uninsured motorist coverage amounts are the same as the liability coverage amounts. 

Remember that driving without car insurance in Rhode Island is a severe offense. The penalties include fines, a suspended license, and even jail time. Therefore, it’s essential to understand and comply with Rhode Island’s car insurance regulations to ensure you’re protecting yourself and staying within the confines of the law.

Consequences of Driving Without Car Insurance in Rhode Island

Driving without car insurance in Rhode Island is a serious violation with severe consequences. For the first offense, you could face a fine ranging from $100 to $500, have your license suspended for up to three months, and be required to provide proof of insurance to regain your driving privileges. On repeated offenses within three years, the fines increase to between $500 and $1,000, and the possibility of a suspended license for up to six months, along with a mandatory requirement to maintain proof of insurance for three years following the reinstatement. Apart from the legal penalties, uninsured drivers also face significant financial risks. If involved in an accident, the uninsured driver is personally responsible for all the damages, which can amount to substantial sums. Hence, investing in car insurance is a legal obligation and a crucial protection that safeguards you from potentially devastating financial liabilities.

Impact of Driving Record on Insurance Rates in Rhode Island

Your driving record significantly determines your car insurance rates in Rhode Island. Insurance companies view your driving history as a predictive indicator of the risk you pose on the road. If your record is clean, you’re a responsible driver, and insurers reward you with lower premiums. 

However, suppose your record is tarnished with traffic violations, speeding tickets, DUI/DWIs, or at-fault accidents. In that case, insurance companies deem you more prone to future mishaps and, hence, a higher insurance risk. Consequently, you’ll face increased insurance premiums. For instance, speeding tickets can increase car insurance rates by around 20% to 30%. More severe infractions, such as a DUI, can lead to an even more substantial increase in your car insurance cost. 

In Rhode Island, these increases can be particularly significant due to the state’s already-high average insurance rates. Therefore, maintaining a clean driving record is paramount for keeping your insurance costs at bay in the Ocean State. Remember, traffic infractions remain on your record for years, so drive responsibly and adhere to traffic laws to avoid any unnecessary insurance premium spikes. 


In conclusion, the cost of car insurance in Rhode Island is affected by various factors and may vary depending on individual circumstances. Shopping around and comparing rates from different insurance companies is essential to find the best deal for your specific needs. By understanding what affects car insurance rates and taking advantage of discounts, you can save money on your premium. Remember this information when shopping for car insurance in Rhode Island to ensure you get the best coverage at an affordable price.