Rhode Island car insurance
Before you take a drive through Providence or Cranston, make sure your car insurance in Rhode Island has all the protection you need. At Progressive, we'll show you which auto insurance coverages are required in the Ocean State, some additional insurance options, and discounts you could earn.
Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.
What are Rhode Island's minimum auto insurance requirements?
Drivers in Rhode Island are required to have auto liability coverage (BI liability and PD liability), and uninsured/underinsured motorist (UM/UIM) coverage at the following minimum limits:
| Coverage | What it covers | Minimum amount |
|---|---|---|
| Bodily injury liability | What it coversInjuries you cause to others in an accident | Minimum amount$25,000 per person $50,000 per accident |
| Property damage liability | What it coversDamage you cause to other people's property in an accident | Minimum amount$25,000 per accident |
| UM/UIM bodily injury | What it coversYour medical expenses an uninsured or underinsured driver causes | Minimum amount$25,000 per person $50,000 per accident Note: This coverage can be rejected. |
While these are Rhode Island's minimum required car insurance limits, higher coverage amounts may better protect your family's financial wellbeing. Learn how much car insurance you may need based on your circumstances and preferences.
Is Rhode Island a no-fault state?
No. Rhode Island is an at-fault state, which means the party responsible for an accident must cover the injuries of the other driver and their passengers. Learn more about what happens if you're at fault in an accident.
How much is car insurance in Rhode Island?
In 2023, the average Progressive liability-only auto insurance policy (single driver/single car) in Rhode Island cost $157.27 per month.* What you pay for car insurance can depend on several factors, including your age, ZIP code, driving history, and more. Take a look at what else can impact your car insurance rate.
Ready to make the switch? Drivers nationwide who switch and save with Progressive save nearly $750 on average.† Get an auto insurance quote today.
What is the best car insurance in Rhode Island?
If you're looking for the cheapest car insurance in Rhode Island, get a quote from Progressive. Here's how much drivers nationwide who save after switching to Progressive save on average, compared to their previous auto insurer:
- Allstate customers who switch and save with Progressive save $775 on average††
- GEICO customers who switch and save with Progressive save $740 on average§
How do I lower my car insurance cost in Rhode Island?
To lower your car insurance cost in Rhode Island, you may qualify for the following discounts through Progressive:
- Paperless
- Three-year safe driving
- Electronic Funds Transfer (EFT)
- Online quote
- Multi-car
- Homeowner
- Paid in full
See all our auto insurance discounts.
Pro tip:
Save when you bundle! One way to get cheap car insurance in Rhode Island is to combine your auto and home policies with Progressive — new customers who save bundling home and auto insurance save over 20% on average nationwide.†
Additional car insurance coverages to consider
If you're leasing or financing a vehicle, most lenders require you to carry comprehensive auto coverage and collision coverage in addition to Rhode Island's state-required coverages. Comprehensive and collision pay to repair or replace your car regardless of fault, if it's in an accident, gets stolen, or is otherwise damaged due to a covered accident. It also makes sense to add these physical damage coverages if you're not sure you can afford a new car or major repairs after an accident.
Explore all our car insurance coverages, and our car insurance calculator, to find which ones are recommended for you.
Rhode Island driving resources
From Warwick to Woonsocket, get to know Rhode Island's driving laws and resources. These resources apply to Cumberland, Pawtuck, and everywhere in between. Local municipalities may have additional laws and resources.
- Rhode Island Division of Motor Vehicles: Find out how to get or renew your Rhode Island license and registration.
- Rhode Island DOT Office of Safety: Learn about Rhode Island safe driving initiatives focusing on speeding, distracted driving, impaired driving, motorcycle safety, and more.
- Rhode Island driver FAQs: Find answers to your questions about getting a copy of your driving record, insurance rules, renewing your license, and other online resources for Rhode Island motorists.
- Car insurance resource center: Learn about how car insurance works, from terms and definitions to additional savings tips.
How to get car insurance in Rhode Island
Call a rep
Talk with a licensed representative who can guide you through the process.
Call 1-866-749-7436
Quote car insurance online or give us a call
Learn more about car insurance policies.
