Enter your ZIP code:

Rhode Island Auto Insurance

Auto insurance can be an expensive purchase for Rhode Islanders. With one of the highest rate averages in the nation, finding affordable Rhode Island auto insurance with the coverage you need can be quite a challenge.

But it doesn't have to be that way! InsureMe created our insurance shopping service just for you, and we can help you find the right Rhode Island auto insurance policy at the right price.

Just complete our quote box today for the best prices and the best coverage around!


Important Information about Rhode Island Auto Insurance

State law requires you to carry only bodily injury and property damage coverage on your Rhode Island auto insurance policy. These are both liability insurance, which covers any and all damage you cause others and their property when you are at fault in an accident.

Rhode Island requires you to purchase at least the following amounts of liability insurance:

  • Bodily injury protection of $25,000 per person and $50,000 per accident
  • Property damage coverage of $25,000

State auto insurance experts strongly recommend you insure yourself and your vehicle for higher coverage amounts than these minimums. If you are involved in an accident and do not have sufficient coverage, your Rhode Island auto insurance provider will pay only up to the limits of your policy—and you will be held responsible for the remainder.

How Rates Are Determined

Rhode Island insurers group applicants together with others who have similar risk characteristics in order to determine premiums. Then all group members pay the same premiums for their Rhode Island auto insurance.

Those presenting the lowest risk of claims are charged the lowest premiums, while those with higher claims risk pay more.

Getting the Best Coverage at the Best Price

So how can you keep your claims risk low and get the best Rhode Island auto insurance coverage at the most affordable price? You can do so when you:

  • Maintain a good driving record, with as few accidents and tickets as possible
  • Ask your insurer about discounts that can help lower your premium
  • Buy more than one type of insurance policy from the same insurer
  • Set your deductible as high as you can afford
  • Keep your credit rating high
  • Check out insurance rates before you purchase a new car

Applying Those Discounts

As mentioned above, Rhode Island auto insurance providers offer several discounts which help to lower your out-of-pocket insurance expense.

Consider the following, and ask your insurance provider for which discounts you may qualify:

  1. Low mileage: the fewer miles you drive, the less your chance of being involved in an accident.
  2. Good driver/renewal: a good driving record translates into lower rates with many Rhode Island auto insurance companies.
  3. Safety devices: some of these result in lower premiums by preventing or limiting accidents.
  4. Anti-theft devices: installing systems that deter theft or vandalism often cuts your Rhode Island auto insurance rates.
  5. Auto/home package: some insurers offer discounts when you purchase both policies from the same company.
  6. Good student: students with good grades tend to be better drivers, lowering their Rhode Island auto insurance rates.
  7. Driver education courses: completing one of these classes often results in a more knowledgeable, careful driver—and a discount.
  8. Multiple vehicles on one policy: insuring more than one car on the same policy means you'll pay less.

If You Can't Get Coverage

The Rhode Island Automobile Insurance Plan provides coverage to consumers who can't get Rhode Island auto insurance through the normal market.

If you find yourself in this situation, call the Rhode Island Department of Business Regulation, insurance division, at 401-222-2223 for more information.

Get up to five affordable quotes!

The Rhode Island auto insurance you need is at your fingertips.

Submit your information to InsureMe today for multiple, competitive quotes!


Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!   
Free Life Insurance Quotes!  

List of Articles
No. Subject Author Views
102 Wyoming Car Insurance youcomparequotes 10769
101 Wyoming Auto Insurance youcomparequotes 10668
100 Wisconsin Car Insurance youcomparequotes 10285
99 Wisconsin Auto Insurance youcomparequotes 10371
98 West Virginia Car Insurance youcomparequotes 11290
97 West Virgina Auto Insurance youcomparequotes 10234
96 Washington, D.C. Car Insurance youcomparequotes 11821
95 Washington, D.C. Auto Insurance youcomparequotes 10918
94 Washington Car Insurance Quotes youcomparequotes 11400
93 Washington Auto Insurance Quotes youcomparequotes 11068
92 Virginia Car Insurance youcomparequotes 10725
91 Virginia Auto Insurance Quotes youcomparequotes 10746
90 Vermont Car Insurance youcomparequotes 12963
89 Vermont Auto Insurance youcomparequotes 10016
88 Utah Car Insurance youcomparequotes 10677
87 Utah Auto Insurance youcomparequotes 10490
86 Texas Car Insurance Quotes youcomparequotes 10728
85 Texas Auto Insurance Quotes youcomparequotes 10725
84 Tennessee Car Insurance youcomparequotes 10172
83 Tennessee Auto Insurance youcomparequotes 10955
82 South Dakota Car Insurance youcomparequotes 10621
81 South Dakota Auto Insurance youcomparequotes 9896
80 South Carolina Car Insurance youcomparequotes 10815
79 South Carolina Auto Insurance youcomparequotes 10692
78 Rhode Island Car Insurance youcomparequotes 10169
» Rhode Island Auto Insurance youcomparequotes 10540
76 Pennsylvania Car Insurance Quotes youcomparequotes 10871
75 Pennsylvania Auto Insurance Quotes youcomparequotes 11350
74 Oregon Car Insurance Quotes youcomparequotes 11027
73 Oregon Auto Insurance Quotes youcomparequotes 10682
72 Oklahoma Car Insurance youcomparequotes 10717
71 Oklahoma Auto Insurance youcomparequotes 10603
70 Ohio Car Insurance Quotes youcomparequotes 10330
69 Ohio Auto Insurance Quotes youcomparequotes 10355
68 North Dakota Car Insurance youcomparequotes 10438
67 North Dakota Auto Insurance youcomparequotes 10834
66 North Carolina Car Insurance youcomparequotes 14122
65 North Carolina Auto Insurance youcomparequotes 11115
64 New York Car Insurance Quotes youcomparequotes 10355
63 New York Auto Insurance Quotes youcomparequotes 11197
62 New Mexico Car Insurance youcomparequotes 9812
61 New Mexico Auto Insurance youcomparequotes 9931
60 New Jersey Car Insurance youcomparequotes 10160
59 New Jersey Auto Insurance youcomparequotes 10299
58 New Hampshire Car Insurance youcomparequotes 11194
57 New Hampshire Auto Insurance youcomparequotes 10823
56 Nevada Car Insurance youcomparequotes 10533
55 Nevada Auto Insurance youcomparequotes 10565
54 Nebraska Car Insurance youcomparequotes 10210
53 Nebraska Auto Insurance youcomparequotes 11115
52 Montana Car Insurance youcomparequotes 10235
51 Montana Auto Insurance youcomparequotes 10393
50 Missouri Car Insurance youcomparequotes 10553
49 Missouri Auto Insurance youcomparequotes 10451
48 Mississippi Car Insurance youcomparequotes 10861
47 Mississippi Auto Insurance youcomparequotes 10482
46 Minnesota Car Insurance Quotes youcomparequotes 10998
45 Minnesota Auto Insurance Quotes and Information youcomparequotes 11094
44 Michigan Car Insurance youcomparequotes 10187
43 Michigan Auto Insurance youcomparequotes 9917
42 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17132
41 Massachusetts Auto Insurance Reform youcomparequotes 11004
40 Maryland Car Insurance youcomparequotes 11194
39 Maryland Auto Insurance youcomparequotes 11213
38 Maine Auto Insurance youcomparequotes 10878
37 Louisiana Car Insurance youcomparequotes 11072
36 Louisiana Auto Insurance youcomparequotes 10526
35 Kentucky Car Insurance youcomparequotes 10586
34 Kentucky Auto Insurance youcomparequotes 10338
33 Kansas Car Insurance youcomparequotes 10167
32 Kansas Auto Insurance youcomparequotes 10596
31 Iowa Car Insurance youcomparequotes 10386
30 Iowa Auto Insurance youcomparequotes 10337
29 Indiana Car Insurance youcomparequotes 10429
28 Indiana Auto Insurance youcomparequotes 10394
27 Illinois Car Insurance youcomparequotes 10411
26 Illinois Auto Insurance youcomparequotes 10058
25 Idaho Car Insurance youcomparequotes 10280
24 Idaho Auto Insurance youcomparequotes 10366
23 Hawaii Car Insurance youcomparequotes 10713
22 Hawaii Auto Insurance youcomparequotes 10800
21 Georgia Car Insurance youcomparequotes 10019
20 Georgia Auto Insurance Quotes youcomparequotes 10914
19 Florida Car Insurance Quotes youcomparequotes 11650
18 Florida Auto Insurance Quotes youcomparequotes 10354
17 Find Maine Car Insurance youcomparequotes 10322
16 Delaware Car Insurance youcomparequotes 10594
15 Delaware Auto Insurance youcomparequotes 10490
14 Connecticut Car Insurance youcomparequotes 10407
13 Connecticut Auto Insurance youcomparequotes 10166
12 Colorado Car Insurance Quotes youcomparequotes 10419
11 Colorado Auto Insurance youcomparequotes 9971
10 California Car Insurance Quotes youcomparequotes 10913
9 California Auto Insurance Quotes youcomparequotes 11051
8 Arkansas Car Insurance youcomparequotes 10357
7 Arkansas Auto Insurance youcomparequotes 10591
6 Arizona Car Insurance Quotes youcomparequotes 10546
5 Arizona Auto Insurance youcomparequotes 10979
4 Alaska Car Insurance youcomparequotes 10586
3 Alaska Auto Insurance youcomparequotes 11510
2 Alabama Car Insurance youcomparequotes 10198
1 Alabama Auto Insurance youcomparequotes 10741
XE Login