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Best Cheap Auto Insurance in Rhode Island

Drivers in Rhode Island must obtain at least the minimum amount of auto insurance required by the state. This is the only way to prove financial responsibility. Insurance requirements are as follows:

  • For bodily injury coverage for injuries or death to one person in one accident: $25,000
  • For bodily injury coverage for injuries or death to more than one person in one accident: $50,000
  • For property damage coverage per accident: $25,000

Drivers who are unable to provide proof of insurance will be cited and may have to pay a fine of up to $500 and have their licenses suspended for three months. If they prove within 10 days of the citation that they had coverage on the day of the citation, their penalties may be waived. Rhode Island requires that drivers carry their insurance cards at all times.

Cheapest Auto Insurance Quotes in Rhode Island

Providence Auto Insurance

Providence is the capital of and the largest city in Rhode Island. Founded in 1636, the city is on the Providence River. Providence is home to the Rhode Island School of Design, Brown University and Providence College.

The Roger Williams Zoo includes an indoor tropical rainforest complete with monkeys and 1,000 other animals on its 40-acre facility. The Museum of Art at the Rhode Island School of Design has more than 100,000 objects on display, ranging from ancient artifacts to modern works. Federal Hill, Providence's historic neighborhood, offers a variety of restaurants, from Italian to Mediterranean, as well as shopping and walking tours.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Providence $3,306.00 $2,526.00 $3,368.00 $2,832.00 $3,294.00 $3,282.00 $2,513.00 $3,373.00 $2,800.00 $3,258.00

Warwick Auto Insurance

Established in 1642, Warwick is the second largest city in Rhode Island. The city was named in honor of Robert Rich, the 2nd Earl of Warwick, and was heavily damaged during King Phillip's War, a conflict between Native Americans and early European settlers. The city later became a major textile manufacturing center during the Industrial Revolution.

History buffs enjoy visiting the city's numerous colonial-era villages, including Apponaug Village, Conimicut Village and Pawutexet Village, all of which have historic structures and offer tours. Many visitors come to Warwick for local parks and beaches such as Oakland Beach, Goddard State Park and Rocky Point State Park. The Gaspee Days Festival celebrates the city's rich history and the Kayak Regatta brings many visitors in the summer.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Warwick $2,465.00 $1,896.00 $2,504.00 $2,118.00 $2,458.00 $2,450.00 $1,892.00 $2,512.00 $2,099.00 $2,434.00

Cranston Auto Insurance

Cranston is a suburb of Providence and is along the banks of the Providence River. Incorporated in 1754, it is the third largest city in Rhode Island. Cranston experienced major economic growth with the arrival of several mills during the Industrial Revolution.

Those interested in history won't want to miss Cranston's numerous historic districts, including Pawtuxet Village, Oaklawn Village and Lippitt Hill. Governor Sprague Mansion was built in the late 1700s and is home to the Cranston Historical Society, serving as a living museum. Garden City Center is a regional shopping destination.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Cranston $2,846.00 $2,177.00 $2,901.00 $2,450.00 $2,832.00 $2,829.00 $2,170.00 $2,910.00 $2,426.00 $2,806.00

Pawtucket Auto Insurance

Pawtucket is a suburb of Providence and the fourth largest city in the state. The city was established in 1671 and was the location of several important textile mills during the Industrial Revolution. Pawtucket later became a center for manufacturing items such as toys, jewelry and silverware.

Many of the Pawtucket's historic sites honor its part in the birth of manufacturing in the United States, including Slater Mill and Wilkinson Mill, where visitors can see 19th century machine shops. Slater Memorial Park has a number of outdoor activities along with a carousel that is popular with families. McCoy Stadium hosts minor league baseball games.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Pawtucket $2,814.00 $2,160.00 $2,852.00 $2,422.00 $2,806.00 $2,781.00 $2,143.00 $2,845.00 $2,388.00 $2,762.00

East Providence Auto Insurance

East Providence is on the east side of the Providence River from Providence. The city was established in 1862. The area was settled in the 1630s by Roger Williams, who founded Rhode Island.

The John Hunt House is a historic home with a mill site on the property that is open for tours. The Cape Verdean Museum celebrates the history and culture of Cape Verde. Local parks offering outdoor recreation include Squantum Woods, Riverside Square and Grassy Plains Park.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
East Providence $2,639.00 $2,020.00 $2,672.00 $2,272.00 $2,636.00 $2,605.00 $2,002.00 $2,663.00 $2,236.00 $2,592.00

Woonsocket Auto Insurance

Woonsocket is near Providence and is along the Blackstone River. It was once one of the largest textile manufacturing center in the nation. A number of French Canadian families made the city their home in the 18th century.

The Museum of Work and Culture includes artifacts that tell the story of French Canadian settlers who came to Woonsocket to work in the mills. Visitors may take a Blackstone River cruise or rent a kayak for a less crowded experience. History fans can go to Island Place Historic District and North End Historic District.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Woonsocket $2,245.00 $1,720.00 $2,288.00 $1,922.00 $2,240.00 $2,242.00 $1,724.00 $2,307.00 $1,914.00 $2,228.00

Coventry Auto Insurance

Coventry is near the border between Rhode Island and Connecticut. It is believed to have been settled by people from Coventry, England. The city developed from an agricultural area into the home of a number of textile mills in the 19th century.

The Nathanael Greene Homestead is a National Historic Landmark that is open to the public for tours during the warmer months. Outdoor activities are available at Audubon Society George B Parker Woodland, Bucks Horn Park and Coventry Greenway. The William Waterman House is on the National Register of Historic Places and dates to the late 1700s.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Coventry $2,320.00 $1,772.00 $2,354.00 $1,988.00 $2,318.00 $2,299.00 $1,763.00 $2,357.00 $1,964.00 $2,288.00

Cumberland Auto Insurance

Cumberland is part of the metro Providence metro area and is along the border with Massachusetts. The city was once in Massachusetts but was later ceded to Rhode Island. Cumberland was settled by William Blackstone and was incorporated in 1746.

Blackstone River Bikeway offers a number of trails for biking and hiking with views of the river. Other popular outdoor spots are George Washington Memorial Park and Valley Falls Heritage Park. Berkeley Mill Village Historic District includes a number of historic buildings used by mill workers in the 19th century.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Cumberland $2,348.00 $1,804.00 $2,404.00 $2,014.00 $2,343.00 $2,374.00 $1,831.00 $2,455.00 $2,030.00 $2,362.00

North Providence Auto Insurance

North Providence is located to the northwest of Providence. Led by a group of local farmers, the city broke away from Providence in the 18th century. A number of notable Rhode Island artists settled in North Providence at the turn of the 20th century.

Peter Randall State Park offers a number of outdoor activities. Twin River Beach is popular with tourists. Visitors looking to hit the green can go to the Louisquisset Golf Club.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
North Providence $3,027.00 $2,310.00 $3,082.00 $2,600.00 $3,021.00 $3,002.00 $2,298.00 $3,086.00 $2,570.00 $2,984.00

West Warwick Auto Insurance

West Warwick was incorporated in 1913 after being split from Warwick. It was home to many of the city's textile mills during the Industrial Revolution. The city is situated along the Pawtuxet River.

Recreation is available at the Benny Magiera Memorial Ice Rink and the Thomas Lamb Memorial Field House. Outdoor activities can be found at Crompton Playground and Brookside Avenue Playground. The Arctic Playhouse hosts many live performances throughout the year.

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
West Warwick $2,444.00 $1,890.00 $2,492.00 $2,120.00 $2,438.00 $2,440.00 $1,894.00 $2,510.00 $2,109.00 $2,424.00

City Single Married
Sedan Suv Coupe Truck Hybrid Sedan Suv Coupe Truck Hybrid
Albion $2,274.00 $1,728.00 $2,313.00 $1,946.00 $2,281.00 $2,248.00 $1,714.00 $2,310.00 $1,919.00 $2,246.00
Ashaway $1,984.00 $1,521.00 $2,027.00 $1,700.00 $1,980.00 $1,986.00 $1,527.00 $2,049.00 $1,696.00 $1,974.00
Barrington $2,268.00 $1,741.00 $2,310.00 $1,962.00 $2,260.00 $2,250.00 $1,731.00 $2,313.00 $1,938.00 $2,234.00
Block Island $1,930.00 $1,476.00 $1,976.00 $1,642.00 $1,932.00 $1,940.00 $1,490.00 $2,006.00 $1,647.00 $1,935.00
Bradford $1,992.00 $1,525.00 $2,032.00 $1,704.00 $1,992.00 $1,990.00 $1,530.00 $2,050.00 $1,698.00 $1,984.00
Bristol $2,164.00 $1,674.00 $2,201.00 $1,871.00 $2,154.00 $2,153.00 $1,672.00 $2,210.00 $1,856.00 $2,136.00
Carolina $2,076.00 $1,584.00 $2,112.00 $1,768.00 $2,076.00 $2,068.00 $1,584.00 $2,126.00 $1,756.00 $2,059.00
Central Falls $2,848.00 $2,180.00 $2,896.00 $2,446.00 $2,839.00 $2,826.00 $2,172.00 $2,900.00 $2,420.00 $2,806.00
Charlestown $2,030.00 $1,553.00 $2,074.00 $1,737.00 $2,031.00 $2,032.00 $1,560.00 $2,096.00 $1,734.00 $2,026.00
Chepachet $2,257.00 $1,716.00 $2,304.00 $1,934.00 $2,254.00 $2,244.00 $1,710.00 $2,313.00 $1,914.00 $2,232.00
Clayville $2,392.00 $1,825.00 $2,440.00 $2,056.00 $2,392.00 $2,379.00 $1,820.00 $2,449.00 $2,037.00 $2,370.00
Coventry $2,320.00 $1,772.00 $2,354.00 $1,988.00 $2,318.00 $2,299.00 $1,763.00 $2,357.00 $1,964.00 $2,288.00
Cranston $2,846.00 $2,177.00 $2,901.00 $2,450.00 $2,832.00 $2,829.00 $2,170.00 $2,910.00 $2,426.00 $2,806.00
Cumberland $2,348.00 $1,804.00 $2,404.00 $2,014.00 $2,343.00 $2,374.00 $1,831.00 $2,455.00 $2,030.00 $2,362.00
East Greenwich $2,310.00 $1,772.00 $2,354.00 $1,984.00 $2,302.00 $2,294.00 $1,766.00 $2,361.00 $1,964.00 $2,278.00
East Providence $2,639.00 $2,020.00 $2,672.00 $2,272.00 $2,636.00 $2,605.00 $2,002.00 $2,663.00 $2,236.00 $2,592.00
Exeter $2,235.00 $1,712.00 $2,268.00 $1,914.00 $2,236.00 $2,218.00 $1,706.00 $2,274.00 $1,894.00 $2,210.00
Foster $2,324.00 $1,762.00 $2,373.00 $1,984.00 $2,324.00 $2,317.00 $1,760.00 $2,390.00 $1,970.00 $2,307.00
Glendale $2,233.00 $1,704.00 $2,278.00 $1,912.00 $2,238.00 $2,234.00 $1,709.00 $2,302.00 $1,905.00 $2,228.00
Greene $2,331.00 $1,780.00 $2,367.00 $2,002.00 $2,334.00 $2,306.00 $1,766.00 $2,364.00 $1,972.00 $2,300.00
Greenville $2,430.00 $1,854.00 $2,471.00 $2,088.00 $2,440.00 $2,404.00 $1,838.00 $2,468.00 $2,059.00 $2,404.00
Harrisville $2,177.00 $1,658.00 $2,219.00 $1,864.00 $2,182.00 $2,164.00 $1,654.00 $2,229.00 $1,847.00 $2,160.00
Hope $2,485.00 $1,898.00 $2,539.00 $2,132.00 $2,482.00 $2,495.00 $1,911.00 $2,574.00 $2,132.00 $2,483.00
Hope Valley $1,984.00 $1,520.00 $2,026.00 $1,698.00 $1,978.00 $1,986.00 $1,526.00 $2,048.00 $1,694.00 $1,972.00
Hopkinton $1,998.00 $1,533.00 $2,041.00 $1,712.00 $1,992.00 $1,999.00 $1,538.00 $2,062.00 $1,708.00 $1,986.00
Jamestown $1,872.00 $1,442.00 $1,914.00 $1,602.00 $1,865.00 $1,890.00 $1,460.00 $1,950.00 $1,612.00 $1,876.00
Johnston $2,853.00 $2,180.00 $2,918.00 $2,454.00 $2,844.00 $2,848.00 $2,182.00 $2,939.00 $2,440.00 $2,828.00
Kenyon $1,970.00 $1,504.00 $2,011.00 $1,682.00 $1,962.00 $1,972.00 $1,510.00 $2,034.00 $1,678.00 $1,956.00
Kingston $2,029.00 $1,551.00 $2,064.00 $1,738.00 $2,028.00 $2,016.00 $1,548.00 $2,072.00 $1,722.00 $2,006.00
Lincoln $2,496.00 $1,906.00 $2,551.00 $2,142.00 $2,500.00 $2,504.00 $1,920.00 $2,585.00 $2,144.00 $2,498.00
Little Compton $1,932.00 $1,480.00 $1,972.00 $1,646.00 $1,926.00 $1,940.00 $1,490.00 $2,000.00 $1,647.00 $1,925.00
Manville $2,296.00 $1,756.00 $2,332.00 $1,966.00 $2,300.00 $2,282.00 $1,754.00 $2,342.00 $1,950.00 $2,278.00
Mapleville $2,188.00 $1,670.00 $2,229.00 $1,874.00 $2,194.00 $2,178.00 $1,666.00 $2,241.00 $1,860.00 $2,174.00
Middletown $1,812.00 $1,403.00 $1,844.00 $1,559.00 $1,806.00 $1,814.00 $1,411.00 $1,864.00 $1,558.00 $1,802.00
Narragansett $1,982.00 $1,520.00 $2,024.00 $1,700.00 $1,977.00 $1,982.00 $1,524.00 $2,043.00 $1,694.00 $1,970.00
Newport $1,824.00 $1,408.00 $1,857.00 $1,566.00 $1,816.00 $1,822.00 $1,412.00 $1,874.00 $1,560.00 $1,808.00
North Kingstown $2,222.00 $1,708.00 $2,260.00 $1,909.00 $2,218.00 $2,208.00 $1,704.00 $2,268.00 $1,891.00 $2,196.00
North Providence $3,027.00 $2,310.00 $3,082.00 $2,600.00 $3,021.00 $3,002.00 $2,298.00 $3,086.00 $2,570.00 $2,984.00
North Scituate $2,369.00 $1,808.00 $2,416.00 $2,052.00 $2,371.00 $2,346.00 $1,794.00 $2,416.00 $2,024.00 $2,340.00
North Smithfield $2,205.00 $1,692.00 $2,252.00 $1,889.00 $2,202.00 $2,209.00 $1,700.00 $2,278.00 $1,886.00 $2,198.00
Oakland $2,165.00 $1,648.00 $2,206.00 $1,852.00 $2,170.00 $2,152.00 $1,644.00 $2,216.00 $1,836.00 $2,148.00
Pascoag $2,184.00 $1,658.00 $2,228.00 $1,868.00 $2,186.00 $2,172.00 $1,654.00 $2,238.00 $1,852.00 $2,165.00
Pawtucket $2,814.00 $2,160.00 $2,852.00 $2,422.00 $2,806.00 $2,781.00 $2,143.00 $2,845.00 $2,388.00 $2,762.00
Portsmouth $1,932.00 $1,492.00 $1,972.00 $1,660.00 $1,920.00 $1,938.00 $1,502.00 $1,998.00 $1,660.00 $1,920.00
Providence $3,306.00 $2,526.00 $3,368.00 $2,832.00 $3,294.00 $3,282.00 $2,513.00 $3,373.00 $2,800.00 $3,258.00
Prudence Island $1,982.00 $1,528.00 $2,016.00 $1,700.00 $1,970.00 $1,979.00 $1,530.00 $2,033.00 $1,692.00 $1,959.00
Riverside $2,604.00 $1,992.00 $2,667.00 $2,232.00 $2,592.00 $2,636.00 $2,020.00 $2,726.00 $2,247.00 $2,614.00
Rockville $2,037.00 $1,565.00 $2,080.00 $1,749.00 $2,029.00 $2,036.00 $1,570.00 $2,098.00 $1,742.00 $2,020.00
Rumford $2,584.00 $1,992.00 $2,638.00 $2,240.00 $2,577.00 $2,584.00 $1,998.00 $2,661.00 $2,232.00 $2,567.00
Saunderstown $2,144.00 $1,651.00 $2,185.00 $1,849.00 $2,140.00 $2,132.00 $1,648.00 $2,193.00 $1,833.00 $2,120.00
Shannock $2,031.00 $1,556.00 $2,074.00 $1,734.00 $2,030.00 $2,036.00 $1,564.00 $2,100.00 $1,734.00 $2,026.00
Slatersville $2,194.00 $1,686.00 $2,240.00 $1,882.00 $2,194.00 $2,198.00 $1,694.00 $2,264.00 $1,880.00 $2,188.00
Smithfield $2,644.00 $2,008.00 $2,690.00 $2,252.00 $2,646.00 $2,639.00 $2,010.00 $2,714.00 $2,240.00 $2,628.00
Tiverton $1,968.00 $1,520.00 $1,996.00 $1,690.00 $1,962.00 $1,959.00 $1,519.00 $2,007.00 $1,678.00 $1,945.00
Wakefield $2,016.00 $1,544.00 $2,062.00 $1,728.00 $2,011.00 $2,022.00 $1,554.00 $2,086.00 $1,726.00 $2,008.00
Warren $2,269.00 $1,755.00 $2,314.00 $1,954.00 $2,259.00 $2,278.00 $1,768.00 $2,344.00 $1,956.00 $2,260.00
Warwick $2,465.00 $1,896.00 $2,504.00 $2,118.00 $2,458.00 $2,450.00 $1,892.00 $2,512.00 $2,099.00 $2,434.00
West Greenwich $2,266.00 $1,734.00 $2,304.00 $1,942.00 $2,263.00 $2,252.00 $1,728.00 $2,312.00 $1,923.00 $2,239.00
West Kingston $2,010.00 $1,540.00 $2,052.00 $1,726.00 $2,007.00 $2,008.00 $1,544.00 $2,070.00 $1,718.00 $1,998.00
West Warwick $2,444.00 $1,890.00 $2,492.00 $2,120.00 $2,438.00 $2,440.00 $1,894.00 $2,510.00 $2,109.00 $2,424.00
Westerly $1,909.00 $1,468.00 $1,952.00 $1,635.00 $1,902.00 $1,916.00 $1,478.00 $1,976.00 $1,635.00 $1,902.00
Wood River Junction $2,016.00 $1,542.00 $2,058.00 $1,724.00 $2,013.00 $2,020.00 $1,548.00 $2,080.00 $1,720.00 $2,008.00
Woonsocket $2,245.00 $1,720.00 $2,288.00 $1,922.00 $2,240.00 $2,242.00 $1,724.00 $2,307.00 $1,914.00 $2,228.00
Wyoming $2,012.00 $1,540.00 $2,052.00 $1,723.00 $2,009.00 $2,010.00 $1,544.00 $2,070.00 $1,716.00 $2,000.00

Insurance Fraud in Rhode Island

Many innocent people are hurt by auto insurance fraud in the State of Rhode Island. The Rhode Island Division of Insurance Regulation reports that millions of dollars are lost each year in insurance fraud and that consumers end up paying for it in higher premiums.

Nationally, insurance fraud accounts for billions of dollars in losses. Here are some examples of insurance fraud in Rhode Island:

  • Fraudulent auto insurance policies.
  • Fake insurance cards.
  • Accident-staging scams.
  • Referring people to attorneys/medical providers for a fee.
  • "Paper" accidents. (These are accidents on claim forms that never actually occurred.)
  • Reporting a car as stolen, when it is actually hidden in a storage unit or garage.
  • Exaggerating injuries and damage to collect more from the insurance companies.

Penalties for committing auto insurance fraud in the state of Rhode Island are potential prison or jail time, fines and restitution. Rhode Island actively seeks out and prosecutes insurance fraud.

Alcohol-Related Accidents in Rhode Island

The majority of Rhode Island's injury and fatal accidents are alcohol related, and these continually exceed the nation's accident rates. Forty-one percent of Rhode Island's injury/fatal accidents are related to driving under the influence of alcohol.

This means that roughly 40 of the 90 alcohol-related accidents in Rhode Island are either fatal or involve serious injuries.


Interesting Rhode Island Laws

Rhode Island has its share of interesting, archaic laws on the books. Here are a few of them:

  • When passing a car on the left, a loud noise must be made.
  • It is illegal to test the speed of a horse on any public highway.
  • Biting off another person's leg is against the law.

Driving Through Rhode Island

Driving through Rhode Island is an adventure in foliage, history and classic New England architecture. Motorists can see the changing of the leaves if they tour Rhode Island in the fall. There are lighthouses to see, farms, mills and even a castle of sorts in Smith's Castle.

Antique lovers will enjoy driving through the rich Rhode Island countryside, stopping at quaint antique shops that seem to be around every corner. Did you know that Rhode Island is the smallest state in the nation and the last of the original 13 colonies to achieve statehood?

Auto Insurance Center Methodology

Auto insurance quotes are for a hypothetical driver who has state minimum coverage with $500 deductibles for one vehicle. The driver is male or female, 35 years old, has good credit, a college degree, and is employed with a clean driving record, no lapse in coverage, or claims. The vehicles are driven 16,000 miles per year for commuting and are garaged on premises. The auto quotes include common discounts and are estimates, but not guaranteed.