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Cheap Auto Insurance in Rhode Island: Best Companies & Quotes
Best Car Insurance Companies in Rhode Island
- Amica Mutual
|AM Best Financial Strength Rating||A+||A+||A++||A+||A||A+|
|JD Power 2019 Overall Customer Satisfaction score||3/5||2/5||3/5||5/5||3/5||3/5|
|Avg Annual Premium||$1,244||$1,484||$1,697||$1,737||$2,007||$2,355|
|Consumer Reports Reader Score||75||N/A||78||89||N/A||72|
|BBB Rating||A+||A+||A+||A+||Not Rated||A+|
Auto Insurance Statistics in Rhode Island
Top 10 Cheapest Car Insurance Companies in Rhode Island
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Drunk Driving Fatalities
Other drunk drivers occupying the road is one of the primary reasons to carry auto insurance on your vehicle. The below statistics show drunk driving fatalities in Rhode Island which had been higher than the national average but declined after reaching a peak in the year 2015, which is good to know. Reviewing drunk driving fatalities can prove insight into how safe it is to drive in the state of Rhode Island.
Drunk driving fatalities in Rhode Island from 2013 to 2017
Teen Drinking and Driving
According to data from the Centers for Disease Control, teen drinking and driving has been incrementally higher than the national average. The below data depicts the incidences of teen drinking and driving when compared with the national averages.
Teen Drinking & Driving in Rhode Island vs. Nationwide (2017)
SR-22 Insurance in Rhode Island
While Rhode Island was originally a state that required SR-22 filings, this process changed in 2018. The state announced that it would no longer be accepting SR-22 filings from its residents. This means that in most cases you won’t be expected to provide evidence of this form of insurance.
Still, it’s always important to have good insurance coverage in the state of Rhode Island. Make sure to compare your current insurance policy with other providers — it’s a great way to ensure you have the best available rates on the market. Additionally, if you’ve been banned from driving, you still need to make sure you’re following all regulations before you get behind the wheel again — even if Rhode Island no longer requires SR-22 policies.
Risk of vehicle theft in Rhode Island
While buying car insurance, it is helpful to be aware of the risks of vehicle theft in the United States as well as in the state of Rhode Island. In 2012, vehicle thefts in Rhode Island were much higher than the national average. According to a report by the Federal Bureau of Investigation (FBI), the number dropped in 2015 and has now remained significantly below average. Residents of Rhode Island seem to be on the right path when it comes to car theft prevention.
Vehicle Thefts in Rhode Island
Carrying some type of auto insurance with a minimum of at least liability insurance coverage is mandatory nationwide. However, across the country, motorists continue to try to evade the law and drive without proper auto insurance coverage. Below are statistics that show the percentages of uninsured motorists from 1992 to 2015.
Estimated Percentage Of Uninsured Motorists in the USA, 2010-2015
Source: Insurance Research Council
Rhode Island and Automotive Insurance
Auto insurance is essential for anyone who drives and owns a vehicle, period. It doesn’t matter if you live in Rhode Island, New York or North Dakota, either. Auto insurance coverage is 100 percent vital for a variety of important reasons. Good car insurance coverage can offer an invaluable financial defense. If you have to deal with a time-consuming lawsuit or accident, this protection can offer you peace of mind. Solid car insurance coverage can also cover fees associated with accident, trauma. and injury.
Finding Car Insurance in Rhode Island
Rhode Island is a tiny New England state that’s as beautiful as it is modern and convenient. If you’re on the lookout for a good car insurance plan in the Ocean State, you’re in luck. There are many plans out there that may be perfect for your individual needs. People who want to find A+ car insurance in Rhode Island should be just as patient and attentive as those anywhere else. There are so many options available in Rhode Island. Choosing an auto insurance provider quickly and carelessly can often be a major mistake. Your aim should be to take the time to thoroughly and cautiously conduct research. In to long run, your goal is to save as much as you can.
Kinds of Coverage Available in Rhode Island
Be sure to explore all of the kinds of coverage available to drivers in Rhode Island. Examples are property damage liability, bodily injury liability, collisions, medical payments and uninsured motorists. It isn’t only important to review the varieties of coverage that are available, either. It’s equally important to review how much they cost. Other facets are important, too. You also have to learn about the specific requirements that are in place for Rhode Island drivers. Typical coverage amounts in the state are yet another key consideration.
Finding a cheap auto insurance plan in Rhode Island is all about taking your time and shopping around. Driving is a big part of your life. That’s why you should take a serious and in-depth approach to the auto insurance selection process. Ask trustworthy Rhode Island drivers if they have any excellent cheap auto insurance provider suggestions for you. The locals would probably know where to find the best deals. Call reputable auto insurance companies all throughout the state to compare quotes. Use the Internet to your advantage as well. There are quite a few websites that offer helpful and convenient auto insurance quote comparisons. These sites tend to be up-to-date and reliable as well. You always want to avoid making the mistake of trusting old information online.
Prominent Rhode Island Car Insurance Providers
Rhode Island is just like most other states in that it’s home to an abundance of diverse and well-known auto insurance providers. Some of these companies are cheaper than others, too. Some popular car insurance agencies that serve the state are Quincy Mutual, State Farm, and Geico. If you’re trying to decide which providers to contact first, you should think about a few important matters. Think about the state’s basic auto insurance requirements. You need to have liability coverage in Rhode Island. This coverage can pay for victim property damage and medical treatment in the event that you cause a collision. The better you understand auto insurance basics in Rhode Island, the easier it will be for you to select a well-rounded and affordable plan that will help you sleep better at night.
Other Choices in Insurance in Rhode Island
If you want to choose an excellent Rhode Island car insurance plan that’s cheap and thorough, you should also assess your choices in “extras.” An uninsured motorist plan may offer you more ease of mind. The same goes for an underinsured motorist plan. People who are interested in extras may want to seek guidance from professionals in the state. A skilled and experienced insurance agent should be able to help you explore inexpensive paths to extra coverage. You don’t have to settle for the bare minimum. Finding cheap car insurance in Rhode Island is a process that requires significant dedication and patience. If you want to feel confident in your Rhode Island car insurance decision, it can always help to recruit the advice of a knowledgeable insurance agent. Seasoned agents know the ins and outs of coverage in the region.
Types of Auto Insurance Coverage in Rhode Island:
- Property Damage Liability Insurance
- Bodily Injury Liability Insurance
- Comprehensive Insurance Coverage
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
Minimum Requirements for Auto Insurance in Rhode Island
The Division of Insurance in Rhode Island mandates liability insurance coverage for each vehicle in the state.
Liability minimums requirements:
- $25,000 to cover accident-involved property damage
- $25,000 per individual injured.
- $50,000 per injury accident.
Cheap Auto Insurance Discounts
At Cheap Auto Insurance, our goal is to provide comprehensive information that assists you in selecting the lowest car insurance rates available in Rhode Island. One of the best ways we have uncovered that drivers can reduce their auto insurance rates is with little-known auto insurance discounts. Here are some of the most common discounts which, when implemented, can save you on the cost of monthly or yearly auto insurance premiums.
- Mature driver discount
- Military or Veteran discount
- Multi-car auto insurance discount
- Senior citizen discount
- Good student discount
- Low-mileage discount
- Car safety features discount
- Anti-theft discount
- Defensive driving discount
- Bundling insurance policies discount
- Infrequent usage discount
General Auto Insurance in Rhode Island
In this section, you will find answers to commonly asked auto insurance in Rhode Island questions.
Why is general auto insurance not available in Rhode Island?
The reason why general auto insurance is not available in Rhode Island is because Rhode Island has specific laws in place stating the type of insurance drivers can purchase in the state.
How to decide on the best auto insurance in Rhode Island based on consumer reports?
The best way to decide on the best auto insurance in Rhode Island based on consumer reports is by doing your research prior to paying for a premium. Use only resources and form your own conclusion as to who offers the best rates for insurance in your area.
How long do you have to register a car and get insurance after purchase in Rhode Island?
Typically, after purchasing a car in Rhode Island, you only have a few hours to purchase car insurance. Not having car insurance will have the risk of being unable to drive your new car away from the car dealership. If you have a current auto insurance policy, you may have up to 7 days to transfer the policy onto the new car.
What car insurance is available in Rhode Island?
The type of car insurance that is available ranges from standard liability insurance to full coverage insurance. Car insurance companies that offer these types of policies include:
- State Farm
- Quincy Mutual
- Allstate Insurance
- Nationwide Insurance
- MetLife Insurance
- Encompass Insurance
Fill out our form and compare auto insurance quotes side by side including some of these companies who insure in your area.
What are the car insurance laws in Rhode Island?
The current car insurance law in Rhode Island currently states that all drivers must have the bare minimum insurance of liability which MUST include up to $25,000 for bodily injury protection per person, per accident, up to $50,000 for bodily injury protection for all persons per accident and a minimum of $25,000 for property damage protection. To get car insurance now start by inputting a zip code above.
What year was mandatory car insurance in Rhode Island?
The year that Rhode Island made car insurance mandatory in the state was 1993. The law that was enacted required every driver in the state of Rhode Island to be financially responsible in the case of a car accident. The only way to comply with this law was the purchase of car insurance.
How to litigate an auto insurance claim in Rhode Island?
The best way to litigate an auto insurance claim in Rhode Island is to contact the insurance company that is covering your vehicle in the case of an accident and file a claim immediately. Constantly contact the insurance policy to get updates on your claim.
How does an officer know ID auto insurance is valid in Rhode Island?
An officer will know if an ID auto insurance is valid in Rhode Island by checking the policy date on the insurance ID itself. On most insurance ID cards, the effective date for the insurance will be displayed on the front.
How to get a car legal and with insurance without a license in Rhode Island?
Unfortunately, in order for you to have a car legal to drive on the roads in Rhode Island and to have insurance, you will need to have a valid driver’s license first. Failure to have a license will result in the car not being able to be covered by insurance. Learn more about obtaining car insurance for unlicensed drivers.
How to buy car insurance in Rhode Island?
The best way to buy car insurance in Rhode Island is to first receive quotes from the best online auto insurance companies operating in the state of Rhode Island. Once you find a price of insurance that fits with your budget and offers the best coverage for the price, you will have to purchase the policy by paying the first month’s premium upfront.
How long does it take for an auto insurance premium payment to be returned unpaid in Rhode Island?
It can take approximately 7 to 10 business days for an auto insurance premium payment to be returned unpaid in Rhode Island. It can take longer depending on the amount of money being returned.
In Rhode Island, what do you do when an auto insurance company drops you from auto insurance?
In Rhode Island, if an auto insurance company drops you from your insurance policy, it will be your responsibility to find a new policy with a new insurance company as soon as possible. Driving without valid insurance can result in serious fines and consequences. So changing auto insurance companies quickly is in your best interest.
In Rhode Island, how long can you insure a dependent for auto insurance?
In Rhode Island, you can insure a dependent for auto insurance by adding them to your insurance policy for as long as you wish. There is no law that states when you have to kick a dependent off of your current insurance policy.
How much motorcycle insurance do I need in Rhode Island?
The amount of coverage you need is determined by your state’s laws. You can also increase your insurance beyond the state minimums if you want additional coverage. For the best insurance for motorcycle riders we have covered reviews in another article.
No Insurance in Rhode Island
In this section, you will find frequently asked questions pertaining to the lack of insurance in Rhode Island and possible consequences.
What happens if you don’t have car insurance in Rhode Island?
If you don’t have car insurance in the state of Rhode Island, it is technically against the law. This can result in serious consequences such as fines, loss of driving privileges and possible jail time.
Do Rhode Island drivers who have no car, need car insurance?
If you do not currently own a car, you don’t need to have car insurance. While you may be able to drive a car that you don’t legally insure but is one someone else’s policy, keep in mind that the car may not be protected for damages if you get into an accident.
How much are you penalized for not having auto insurance?
The cost of the fines associated with having no auto insurance on a vehicle can range from $150 per vehicle for 1 to 30 days of no insurance coverage, which can then increase daily by $7 with a maximum penalty cost of $2,500.
How much is the fine for no auto insurance card in Rhode Island?
The fine for having no proof of an auto insurance card in Rhode Island will start at a cost of $150 for one car that can last for 1 to 30 days. This fine will then increase every day after for the rate of $7 a day.
How to get a no proof of car insurance ticket in Rhode Island?
The only way to get a no proof of car insurance ticket in Rhode Island is to be pulled over by a police officer in a vehicle that doesn’t have proof of insurance.
Auto Insurance Price in Rhode Island
This section covers the basics of auto insurance prices in Rhode Island and answers questions about price hikes in insurance within the state.
How much is car insurance in Rhode Island?
The cost of car insurance in Rhode Island can range in price depending on where you live on the island. The average cost of car insurance starts at $1,300 a year with the price depending on the type of car and coverage type. Learn more about how to find cheap auto insurance.
Why is car insurance so expensive in Rhode Island?
The reason why car insurance is so expensive in Rhode Island is due to legislation that was passed years ago as well as bills that were passed increasing the rate of liability and physical damage coverage on cars by at least $215 a year.
Why did my auto insurance go up by 15% in Rhode Island?
The reason why your auto insurance has increased by 15% in Rhode Island due to 17 pieces of legislation that has negative impacts of supported “bad faith” legislation that caused the increase of liability insurance coverage for drivers in Rhode Island by at least 28%. Use a car insurance estimator to help get a rough idea of what your rates will be.
How much would auto insurance be for an 18 year old in Rhode Island?
The cost of auto insurance for an 18 year old living in Rhode Island is around $7,100 a year if a teen is on their own policy or $4,000 a year for a teen going on their parent’s insurance policy. Read more: How much should car insurance cost?
Who has the lowest car insurance rates for the state of Rhode Island?
The company with the lowest car insurance rates in the state of Rhode Island are as follows:
- State Farm-$1,000 for an annual rate with the state minimum insurance.
- Progressive-$1,100 for an annual rate.
- GEICO Insurance-$1,200 for a yearly premium.
- Quincy Mutual-$1,500 for a yearly rate.
- Allstate Insurance-$1,900 for an annual premium.
- Encompass Insurance-$2,000 yearly.
How much is car insurance in Rhode Island per month?
The average rate of car insurance in Rhode Island per month is about $110. This of course, will depend on the type of coverage purchase, the type of car on the policy and the area of Rhode Island a driver lives in. Learn more about how to reduce auto insurance rates.
What is a normal car insurance rate in Rhode Island?
The normal car insurance rate in Rhode Island is about $1,300 for a yearly premium. The rates of car insurance in the state can increase or decrease depending on several factors such as insurance hikes or driving history.
How much is car insurance for a 16 year old in Rhode Island?
The rate of car insurance for a 16 year old in Rhode Island can range depending on when their get their driver’s permit. The average price can be as high as $4,000 a year if they are placed on their parent’s insurance policy.
What is the cheapest car insurance in Rhode Island?
The cheapest car insurance in Rhode Island is through State Farm Insurance with a yearly rate of $1,000 for the basic liability insurance coverage. This can be higher or lower depending on personal driving history, type of coverage purchased and the area of Rhode Island the car is insured in. Also, if you have a car that qualifies, car insurance for classic cars is really cheap.
What is the average car insurance payment in Rhode Island?
The average car insurance payment in Rhode Island can be between $1,000 to $2,000 a year depending on the insurance company and type of coverage. This can equate to $100 to $200 a month.
Which city in Rhode Island has the cheapest car insurance rates?
The city in Rhode Island with the cheapest car insurance rates is Newport, Rhode Island. The average price of insurance coverage in Newport, Rhode Island is around $1,300 for a yearly premium.
What is the best and most affordable auto insurance in Rhode Island?
The best and most affordable auto insurance in Rhode Island is State Farm. With the lowest annual rates in the state with a premium of $1,000 for the year for liability coverage, State Farm offers the best customer service and claim history than any other insurance company in Rhode Island.
How much is Rhode Island auto insurance for a 23 year old woman?
The average rate for Rhode Island auto insurance for a 23 year old is around $1,300 to $1,500 for a yearly premium depending on the type of insurance coverage that is purchase and what are of Rhode Island the driver lives in.
What is a normal monthly price for car insurance in Rhode Island?
The normal car insurance monthly price in Rhode Island can range between $110 to $200 a month for the standard liability insurance. For full coverage, the monthly price can increase to as much as $400 a month. To further reduce costs you could look for car insurance without down payment requirements.
How much does it cost for a new teen driver for auto insurance in Rhode Island?
The cost for a new teen driver to be covered by auto insurance in Rhode Island can depend on whether or not the teen goes on their own policy or their parent’s. The average price for insurance is between $7,000 a year if a teen goes on their own insurance policy and $4,000 a year if they go on their parent’s policy.
What is the best town with the best car insurance rates in Rhode Island?
The best town with some of the best car insurance rates in Rhode Island is the city of Newport. The average yearly cost for car insurance for liability coverage is around $1,300.
How much is cargo auto insurance in Rhode Island?
The cost of cargo auto insurance in Rhode Island can cost as much as $4,000 per tractor covered or $4,000 per driver covered. This insurance price may vary based on the type of coverage or additional coverage added to the policy such as medical payments, collision coverage, comprehensive coverage and uninsured motorist coverage.
How much does full coverage car insurance cost in Rhode Island?
The cost of full coverage car insurance in Rhode Island can cost as much as $4,800 a year depending on what is included in the full insurance coverage such as collision, comprehensive of uninsured motorist coverage. Get a quote to determine the exact full coverage insurance cost for you.
In Rhode Island, how do you find the lowest car insurance?
The best way to find the lowest car insurance in Rhode Island is to visit each of the available insurance companies in Rhode Island and request quotes from each. Find the company that offers the lowest rates for the coverage offered before paying the premium for coverage.
How much does a speeding ticket in Rhode Island raise cost of auto insurance?
A speeding ticket can raise the cost of auto insurance in Rhode Island by as much as an additional $20 to $30 a month. This will depend on the severity of the ticket and whether or not your insurance company feels justified to raise your monthly premium because of it.
Auto Insurance Coverage in Rhode Island
In this section, you will find frequently asked questions pertaining to auto insurance coverage in the state of Rhode Island.
What is the minimum car insurance coverage in Rhode Island?
The minimum car insurance coverage required in the state of Rhode Island is liability insurance coverage with bodily injury protection for up to $25,000 per person and up to $50,000 per accident in property damage protection.
What is the standard car insurance coverage in Rhode Island?
The standard car insurance coverage in Rhode Island today is liability coverage. It is one of the cheapest coverages offered in the state and meets all of the minimum requirements of Rhode Island state insurance laws.
What is the minimum liability coverage in Rhode Island for auto insurance?
The minimum liability insurance coverage that is required in Rhode Island for auto insurance must have bodily injury protection for a minimum amount of $25,000 per person and a minimum of $50,000 for property damage coverage. Fill out our form to get car insurance liability quotes.
How long does your existing insurance cover a new car in Rhode Island?
Your existing car insurance can cover a new car in Rhode Island for up to 7 to 30 days. This will depend on the type of insurance company and their policies rules, so be sure to contact them prior to purchasing a new car.
What is Rhode Island state minimum for property damage on car insurance?
Rhode Island’s state minimum required for property damage coverage on car insurance is a minimum of $50,000 per accident and a minimum of $25,000 for damage to another person’s property.
What insurance is needed to register a car in Rhode Island?
The type of insurance that is needed in order to register a car in Rhode Island is the state minimum of liability with an additional bodily injury and property damage coverage.
Who can be covered under a Rhode Island auto insurance policy?
The people that can be covered under a Rhode Island auto insurance policy are the people listed on the policy, which includes those who are over the age of 18, underage drivers listed on their parent’s insurance and those with valid driver’s licenses.
What are recommended auto insurance coverages in Rhode Island?
The recommended auto insurance coverages in Rhode Island will depend on personal driving history and the area you live. For those on a budget and in low risk areas, the recommended insurance is liability coverage. For those who live in high-risk areas, the recommended insurance is full coverage.
What kind of high risk insurance do you get after a DUI?
How do I transfer Ohio car insurance to Rhode Island?
You will probably need to get a different policy altogether for Rhode Island because of different laws. Also if you have a very specific type of insurance such as a sr22 bond Ohio policy there may be very different rules. An insurance agent will give you more details about this and our form can connect you with such a person.
Auto Insurance Companies in Rhode Island
In this frequently asked question section, you will find answers to commonly asked questions regarding auto insurance companies in Rhode Island.
What car insurance companies are in Rhode Island?
The top rated auto insurance companies that currently operate in Rhode Island are:
- Allstate Insurance
- GEICO Insurance
- State Farm Insurance
- Nationwide Insurance
- Progressive Insurance
- Hartford Insurance
- Amica Insurance
- Farm Family Insurance
- Quincy Insurance
- Grange Mutual Insurance
- Encompass Insurance
- MetLife Insurance
Who offers guaranteed auto protection insurance in Rhode Island?
The companies that offer guaranteed auto protection insurance in Rhode Island are typically car dealerships of specific models of cars such as Toyota, Chevy or Subaru. You can also find guaranteed auto protection offered by Credit Unions in your area.
What is the best car insurance company in Rhode Island?
The best car insurance company in Rhode Island is State Farm. State Farm offers some of the best competitive rates in Rhode Island as well as some of the best coverage among its competitors.
How do car insurance companies in Rhode Island handle car accident claims?
Car insurance companies in Rhode Island handle car accident claims by taking into account police reports from an accident, witness statements from an accident and the value of damage done to a vehicle if you caused the accident or to your vehicle if you are the victim of an accident. Once it takes all of these factors into consideration, then it will pay out the required amount based on the policy to the parties affected.
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