{"id":324757,"date":"2025-11-11T17:16:34","date_gmt":"2025-11-11T22:16:34","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=88767"},"modified":"2025-11-11T17:16:34","modified_gmt":"2025-11-11T22:16:34","slug":"best-in-rhode-island","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-rhode-island\/","title":{"rendered":"The Best Car Insurance Companies in Rhode Island"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"overall\" title=\"Best Car Insurance Companies in Rhode Island\"><\/span>\n    \n\n\n<p>If you own a registered vehicle in Rhode Island, you\u2019re legally required to carry car insurance. The Rhode Island car insurance market is competitive, and drivers have numerous choices. To help you find the best carrier, we reviewed current analyses from <a href=\"https:\/\/www.bankrate.com\" class=\"achor-toggles\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\" class=\"achor-toggles\">NerdWallet<\/a> alongside satisfaction and financial-strength research. Our results show that Amica, USAA, Progressive, Geico, and Allstate remain strong options for many drivers in Rhode Island, with State Farm and Travelers also frequently competitive; Amica continues to lead New England customer satisfaction in <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" class=\"achor-toggles\">J.D. Power\u2019s latest regional study<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 5 Best Auto Insurance Companies in Rhode Island<\/h2>\n\n\n\n<p>For our evaluation process, we compared a number of popular providers using 2025 rate analyses from <a href=\"https:\/\/www.bankrate.com\" class=\"achor-toggles\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\" class=\"achor-toggles\">NerdWallet<\/a>, coverage options, discounts, financial strength, and third-party ratings such as <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" class=\"achor-toggles\">J.D. Power\u2019s 2024 U.S. Auto Insurance Study<\/a>.<\/p>\n\n\n\n<ul><li><a href=\"#amica\" rel=\"nofollow\" class=\"achor-toggles\">Amica<\/a>: Best for Customer Service<\/li><li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\">USAA<\/a>: Best for Military-Centric Options<\/li><li><a href=\"#progressive\" rel=\"nofollow\" class=\"achor-toggles\">Progressive<\/a>: Best for Discounts<\/li><li><a href=\"#geico\" rel=\"nofollow\" class=\"achor-toggles\">Geico<\/a>: Best for Driving Incidents<\/li><li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\">Allstate<\/a>: Best for Add-On Coverage<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison-table\" title=\"Comparison Table\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare the Top Car Insurance Companies in Rhode Island<\/h2>\n\n\n\n<p>While these carriers stand out in our rating methodology, keep in mind that the best carrier for you could be different entirely. Shopping around can help you find the right carrier for your unique lifestyle, especially given the significant premium increases many drivers have seen through 2024\u20132025 (<a href=\"https:\/\/www.bls.gov\/cpi\/factsheets\/motor-vehicle-insurance.htm\" class=\"achor-toggles\">BLS CPI: motor vehicle insurance<\/a>).<\/p>\n\n\n\t\t\n<section id=\"block_6266f58d52e69\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\"><\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Minimum Coverage Premium*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Full Coverage Premium*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_6266f58d52e69-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Amica<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$512<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,810<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>867<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6266f58d52e69-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$523<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,297<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>887**<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6266f58d52e69-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Progressive<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,012<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$2,433<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>840<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6266f58d52e69-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Geico<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$643<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,798<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>841<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_6266f58d52e69-5\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='5'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,219<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$3,853<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>810<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information below reflects a prior rate snapshot; for current statewide averages, see updated 2024\u20132025 sources such as <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-rhode-island\/\">Bankrate<\/a>.<\/em><\/p>\n\n\n\n<p><em>* Data provided by Bankrate.com (historical dataset). For the latest figures and methodology, see <a href=\"https:\/\/www.bankrate.com\" class=\"achor-toggles\">Bankrate\u2019s 2025 national update<\/a> and <a href=\"https:\/\/www.nerdwallet.com\" class=\"achor-toggles\">NerdWallet\u2019s state averages<\/a>.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">latest U.S. Auto Insurance Study<\/a> rating for the New England region. Based on a 1,000-point scale. USAA is not officially rated by J.D. Power due to eligibility requirements. <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"amica\" title=\"Best for Customer Service\"><\/span>\n    \n\n                                                \n\n\n<section id=\"amica\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Amica<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Service<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Amica receives the highest customer satisfaction score from J.D. Power in the New England region, so it could be a great choice for drivers who value service.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325308-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,810*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">867**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Amica receives the highest customer satisfaction score from J.D. Power in the New England region, so it could be a great choice for drivers who value service.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Offers dividend policies<\/li>\n                            <li>Variety of discounts available<\/li>\n                            <li>High J.D. Power customer service ratings<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Not available nationwide<\/li>\n                                    <li>Few local offices<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Home<\/li>\n<li>Flood<\/li>\n<li>Marine<\/li>\n<li>Life<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Loyalty<\/li>\n<li>Homeownership<\/li>\n<li>Adaptive headlights<\/li>\n<li>Automatic payments<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"Best for Military-Centric Options\"><\/span>\n    \n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Centric Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA offers affordable car insurance in Rhode Island to members of the military, their spouses and children.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/oc.brcclx.com\/t\/?lid=26672716&#038;cr=27703&#038;last_updated=1594081711&#038;sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,297*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">887**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA offers affordable car insurance in Rhode Island to members of the military, their spouses and children.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Low average premiums<\/li>\n                            <li>Numerous discounts<\/li>\n                            <li>High J.D. Power customer satisfaction score<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Limited eligibility<\/li>\n                                    <li>Very few branch locations<\/li>\n                                    <li>Some coverages and discounts only apply to deployed members<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Boat<\/li>\n<li>Motorcycle<\/li>\n<li>Condo<\/li>\n<li>Health<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Good student<\/li>\n<li>Family discount<\/li>\n<li>Length of membership<\/li>\n<li>Military installation<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"progressive\" title=\"Best for Discounts\"><\/span>\n    \n\n                                                \n\n\n<section id=\"progressive\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Progressive<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Progressive offers a long list of discounts that could help Rhode Island drivers lower their auto insurance premiums.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325339-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$2,433*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">840**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Progressive offers a long list of discounts that could help Rhode Island drivers lower their auto insurance premiums.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Numerous discounts<\/li>\n                            <li>Robust mobile tools<\/li>\n                            <li>Higher-than-average J.D. Power customer satisfaction score<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>High average premium<\/li>\n                                    <li>Below-average <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-auto-claims-satisfaction-study\" rel=\"noopener\" target=\"_blank\">J.D. Power claims satisfaction score<\/a><\/li>\n                                    <li><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=24260&#038;:refresh\" rel=\"noopener\" target=\"_blank\">Higher-than-average NAIC complaint index<\/a><\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Renters<\/li>\n<li>Home<\/li>\n<li>RV\/trailer<\/li>\n<li>Motorcycle<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Continuous insurance<\/li>\n<li>Snapshot<\/li>\n<li>Homeowner<\/li>\n<li>Online quote<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"geico\" title=\"Best for Driving Incidents\"><\/span>\n    \n\n                                                \n\n\n<section id=\"geico\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Geico<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Driving Incidents<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Geico may have options for drivers who struggle to find coverage elsewhere due to less-than-perfect driving records.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Geico&#038;rvitemid=342882-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,798*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">841**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Geico may have options for drivers who struggle to find coverage elsewhere due to less-than-perfect driving records.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Numerous discounts<\/li>\n                            <li>Robust digital tools<\/li>\n                            <li>Lower average premium than some competitors<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li><a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=22063&#038;:refresh\" rel=\"noopener\" target=\"_blank\">Higher-than-average overall NAIC complaint index<\/a><\/li>\n                                    <li>Few options for customization<\/li>\n                                    <li>Few local agents<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Home<\/li>\n<li>Renters<\/li>\n<li>Motorcycle<\/li>\n<li>Boat<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Federal employee<\/li>\n<li>Military member<\/li>\n<li>Emergency deployment<\/li>\n<li>Good student<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Best for Add-On Coverage\"><\/span>\n    \n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Add-On Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers a variety of optional coverages that might help Rhode Island drivers customize a policy that meets their unique needs.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,571352,6720045&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/affiliate-autoplanners.html?CID=AFF-REV-AU-073845-200616&#038;campaign=444490000073845&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325305-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$3,853*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">810**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate offers a variety of optional coverages that might help Rhode Island drivers customize a policy that meets their unique needs.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Numerous optional coverages<\/li>\n                            <li>Plentiful local agents<\/li>\n                            <li>Several discounts<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>High average premium<\/li>\n                                    <li>Lower-than-average J.D. Power customer satisfaction score<\/li>\n                                    <li>Financial strength is lower than some competitors<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Home<\/li>\n<li>Condo<\/li>\n<li>Business<\/li>\n<li>Life<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>New car<\/li>\n<li>Drivewise<\/li>\n<li>Early signing<\/li>\n<li>Paperless<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Data provided by Bankrate.com.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">latest U.S. Auto Insurance Study<\/a> rating for the New England region. Based on a 1,000-point scale. USAA is not officially rated by J.D. Power due to eligibility restrictions.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in Rhode Island<\/h2>\n\n\n\n<p>Recent statewide analyses place Rhode Island\u2019s average premiums around $2,100\u2013$2,700 per year for a <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/full-coverage\/\">full coverage policy<\/a> and roughly $600\u2013$1,000 per year for minimum coverage, depending on methodology and driver profile, according to <a class=\"achor-toggles\" href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-rhode-island\/\">Bankrate<\/a>, <a class=\"achor-toggles\" href=\"https:\/\/www.nerdwallet.com\" class=\"achor-toggles\">NerdWallet<\/a>, <a class=\"achor-toggles\" href=\"https:\/\/www.valuepenguin.com\" class=\"achor-toggles\">ValuePenguin<\/a>, and <a class=\"achor-toggles\" href=\"https:\/\/www.thezebra.com\/auto-insurance\/rhode-island-car-insurance\/\">The Zebra<\/a>. Rhode Island remains above the national average, and premiums rose markedly through 2024\u20132025 amid higher claim severity and repair costs (see <a class=\"achor-toggles\" href=\"https:\/\/fred.stlouisfed.org\/series\/CUSR0000SETA02\">BLS CPI for motor vehicle insurance<\/a>). Shopping around and <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/\">comparing quotes<\/a> could help you find a lower rate. Ultimately, <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/understanding-insurance-rates\/\">car insurance rates<\/a> are personalized, so you might pay more or less than the statewide average based on factors like your age, <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/how-credit-scores-affects-rates\/\">credit score<\/a>, claims history, and the type of vehicle you drive.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Cheapest Car Insurance Companies in Rhode Island<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>State Farm<\/td><td>$955<\/td><\/tr><tr><td>USAA<\/td><td>$1,297<\/td><\/tr><tr><td>Travelers<\/td><td>$1,308<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data provided by Bankrate.com; actual 2024\u20132025 premiums are generally higher than prior datasets\u2014see updated state averages from <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/average-cost-of-car-insurance-in-rhode-island\/\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\" class=\"achor-toggles\">NerdWallet<\/a>.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Most Expensive Car Insurance Companies in Rhode Island<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual\u00a0 Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Allstate<\/td><td>$2,071<\/td><\/tr><tr><td>Progressive<\/td><td>$2,433<\/td><\/tr><tr><td>Quincy Mutual Group<\/td><td>$3,853<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data provided by Bankrate.com; consult current 2024\u20132025 analyses from <a href=\"https:\/\/www.bankrate.com\" class=\"achor-toggles\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\" class=\"achor-toggles\">NerdWallet<\/a> for the latest company comparisons.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Cheapest Cities for Car Insurance in Rhode Island<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Newport<\/td><td>$1,577<\/td><\/tr><tr><td>Newport East<\/td><td>$1,592<\/td><\/tr><tr><td>Middletown<\/td><td>$1,592<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data provided by Bankrate.com; city-to-city differences persist, with denser ZIP codes typically higher\u2014see current breakdowns from <a href=\"https:\/\/www.valuepenguin.com\" class=\"achor-toggles\">ValuePenguin<\/a> and <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/rhode-island-car-insurance\/\">The Zebra<\/a>.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Most Expensive Cities for Car Insurance in Rhode Island<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Providence<\/td><td>$2,651<\/td><\/tr><tr><td>North Providence<\/td><td>$2,580<\/td><\/tr><tr><td>Johnston<\/td><td>$2,501<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* Data provided by Bankrate.com; Providence and other higher-density areas tend to run above the statewide average in 2024\u20132025 studies.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"key-things\" title=\"Key Things to Know\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Key Things to Know About Car Insurance in Rhode Island&nbsp;<\/h2>\n\n\n\n<p>Before you purchase car insurance in Rhode Island, it\u2019s important to understand the state\u2019s minimum coverage requirements and what optional coverages you might want to add to your policy for further protection. This can help you tailor a policy to your needs.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Rhode Island Minimum Insurance Requirements<\/h3>\n\n\n\n<p>Car insurance is a legal requirement in Rhode Island. Every state has different car insurance requirements, but in most places, drivers must carry at least minimum levels of certain coverage types. Rhode Island drivers are required to carry <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/dbr.ri.gov\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">25\/50\/25 liability insurance<\/a>, or a $75,000 combined single limit (<a class=\"achor-toggles\" href=\"http:\/\/webserver.rilin.state.ri.us\/Statutes\/TITLE31\/31-31\/31-31-7.HTM\">R.I. Gen. Laws \u00a731-31-7<\/a>), which includes the following coverages:<\/p>\n\n\n\n<ul><li>$25,000 bodily injury liability per person<\/li><li>$50,000 bodily injury liability per accident<\/li><li>$25,000 property damage liability per accident<\/li><\/ul>\n\n\n\n<p>Additionally, uninsured motorist coverage must be included in every policy in amounts equal to your bodily injury liability limits unless you select lower limits, which cannot be reduced below 25\/50 (<a class=\"achor-toggles\" href=\"http:\/\/webserver.rilin.state.ri.us\/Statutes\/TITLE27\/27-7\/27-7-2.1.HTM\">R.I. Gen. Laws \u00a727-7-2.1<\/a>). Rhode Island is an at-fault (tort) state and does not require PIP; MedPay, collision, and comprehensive are optional unless required by a lender (<a class=\"achor-toggles\" href=\"https:\/\/www.aaa.com\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">AAA Digest of Motor Laws<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"coverage-options\" title=\"Coverage Options\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Car Insurance Coverage Options<\/h2>\n\n\n\n<p>In addition to basic liability insurance, many Rhode Island drivers choose to purchase additional coverage for more protection. Here are some of the optional coverages to consider:<\/p>\n\n\n\n<ul><li><strong>Collision insurance:<\/strong> Collision insurance pays to repair your vehicle\u2019s damages after a covered accident, regardless of fault. If you have a loan or lease, this coverage is likely required.<\/li><li><strong>Comprehensive insurance:<\/strong> Comprehensive insurance pays to repair your vehicle\u2019s damages resulting from a non-collision incident. Examples include theft, vandalism, flooding, and falling objects. This is also a required coverage if you have a loan or lease.<\/li><li><strong>Roadside assistance:<\/strong> Roadside assistance pays for basic vehicle repairs, like flat tire changes, fuel delivery, and battery replacements, as well as towing.<\/li><li><strong>Rental car reimbursement:<\/strong> Rental reimbursement helps pay for a rental or other transportation while your covered vehicle is being repaired after a covered loss; if you lease or finance your vehicle and it\u2019s totaled, gap\/loan-lease coverage can help pay the difference between the remaining loan balance and your car\u2019s depreciated value.<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"block_6266f7c752e96\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Who has the cheapest car insurance in Rhode Island?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Based on 2021 data from Bankrate.com, the <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/car\/best-cheap\/\"><span style=\"font-weight: 400;\">cheapest car insurance companies<\/span><\/a><span style=\"font-weight: 400;\"> in Rhode Island include State Farm, USAA, and Travelers. However, rates vary based on your unique rating profile, so your quotes will likely be different, and these carriers may not be the cheapest carrier for your needs.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6266f7d752e97\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Why is car insurance so expensive in RI?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Car insurance in Rhode Island may be expensive in part because the state has a <\/span><a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-uninsured-motorists\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">high number of uninsured drivers<\/span><\/a><span style=\"font-weight: 400;\"> and a high population density. Additionally, car repairs may be more expensive in Rhode Island than in many other states due to a higher cost of living, which contributes to high insurance premiums. <\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_6266f7fb52e98\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What happens if I drive without insurance in Rhode Island?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Because Rhode Island has mandatory car insurance laws, driving without car insurance is illegal and can be costly. You\u2019ll likely be fined and have your license suspended, and you might even face jail time depending on the circumstances. If you damage someone\u2019s property or hurt someone with your vehicle, you\u2019ll also have to pay those bills out of pocket.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com reviews products, services, and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores, and online resources from each company to determine top providers.\u00a0<\/p>\n\n\n\n<p>For pricing and company comparisons, we referenced current statewide analyses from <a class=\"achor-toggles\" href=\"https:\/\/www.bankrate.com\" class=\"achor-toggles\">Bankrate<\/a> and <a class=\"achor-toggles\" href=\"https:\/\/www.nerdwallet.com\" class=\"achor-toggles\">NerdWallet<\/a> for Rhode Island, modeled on a good-driver profile similar to the details below. For full coverage, the details used were the following:<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>To determine minimum coverage limits, Bankrate used minimum coverage that meets each state\u2019s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.\u00a0<\/p>\n\n\n\n<p>These are sample rates and should only be used for comparative purposes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you own a registered vehicle in Rhode Island, you\u2019re legally required to carry car insurance. The Rhode Island car insurance market is competitive, and drivers have numerous choices. To help you find the best carrier, we reviewed current analyses from Bankrate and NerdWallet alongside satisfaction and financial-strength research. Our results show that Amica, USAA, [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":361766,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[21449],"post_author":[15839],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Car Insurance Companies in Rhode Island 2022 - Reviews.com<\/title>\n<meta name=\"description\" content=\"Auto Insurance is more expensive in Rhode Island than the national average. We reviewed all auto insurance providers in RI and chose the best companies.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-rhode-island\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The Best Car Insurance Companies in Rhode Island 2022 - Reviews.com\" \/>\n<meta property=\"og:description\" content=\"Auto Insurance is more expensive in Rhode Island than the national average. We reviewed all auto insurance providers in RI and chose the best companies.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.reviews.com\/insurance\/car\/best-in-rhode-island\/\" \/>\n<meta property=\"og:site_name\" content=\"Reviews.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Reviewscom\/\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2021\/05\/rhode-island-696148275.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1440\" \/>\n\t<meta property=\"og:image:height\" content=\"960\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Reviews\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.reviews.com\/insurance\/car\/best-in-rhode-island\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.reviews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance\",\"item\":\"https:\/\/www.reviews.com\/insurance\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Car\",\"item\":\"https:\/\/www.reviews.com\/insurance\/car\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"The Best Car Insurance Companies in Rhode Island\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.reviews.com\/#website\",\"url\":\"https:\/\/www.reviews.com\/\",\"name\":\"Reviews.com\",\"description\":\"Your Guide to the Best Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.reviews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The Best Car Insurance Companies in Rhode Island 2022 - Reviews.com","description":"Auto Insurance is more expensive in Rhode Island than the national average. We reviewed all auto insurance providers in RI and chose the best companies.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.reviews.com\/insurance\/car\/best-in-rhode-island\/","og_locale":"en_US","og_type":"article","og_title":"The Best Car Insurance Companies in Rhode Island 2022 - Reviews.com","og_description":"Auto Insurance is more expensive in Rhode Island than the national average. We reviewed all auto insurance providers in RI and chose the best companies.","og_url":"https:\/\/www.reviews.com\/insurance\/car\/best-in-rhode-island\/","og_site_name":"Reviews.com","article_publisher":"https:\/\/www.facebook.com\/Reviewscom\/","og_image":[{"width":1440,"height":960,"url":"https:\/\/www.reviews.com\/wp-content\/uploads\/2021\/05\/rhode-island-696148275.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@Reviews","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BreadcrumbList","@id":"https:\/\/www.reviews.com\/insurance\/car\/best-in-rhode-island\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.reviews.com\/"},{"@type":"ListItem","position":2,"name":"Insurance","item":"https:\/\/www.reviews.com\/insurance\/"},{"@type":"ListItem","position":3,"name":"Car","item":"https:\/\/www.reviews.com\/insurance\/car\/"},{"@type":"ListItem","position":4,"name":"The Best Car Insurance Companies in Rhode Island"}]},{"@type":"WebSite","@id":"https:\/\/www.reviews.com\/#website","url":"https:\/\/www.reviews.com\/","name":"Reviews.com","description":"Your Guide to the Best Services","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.reviews.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/324757"}],"collection":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/users\/345"}],"replies":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/comments?post=324757"}],"version-history":[{"count":0,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/324757\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/1760"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media\/361766"}],"wp:attachment":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media?parent=324757"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/categories?post=324757"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/tags?post=324757"},{"taxonomy":"post_author","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/post_author?post=324757"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}