Cheapest Car Insurance Rates in 2023

Best Car Insurance Companies in Rhode Island

• Progressive
• Nationwide
• Geico
• Amica Mutual
• Metropolitan
• Allstate

Auto Insurance Statistics in Rhode Island

Top 10 Cheapest Car Insurance Companies in Rhode Island

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

Uninsured Motorists

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

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.

Shop Around

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

FAQ

General Auto Insurance in Rhode Island

In this section, you will find answers to commonly asked auto insurance in Rhode Island questions.

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.

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.

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.

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.