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Rhode Island Cheapest Auto Insurance, Minimum Requirements, & Best Insurer by Quote

Depending on your location, the overall least expensive car insurance companies in Rhode Island are found with USAA, Travelers and Liberty Mutual.

Age dependent, each carrier can offer quotes from 23% to over 33% lower than the median quote for similar age drivers.

Other insurers to put on your list to get quotes are Allstate, MetLife and Amica.

Again, depending on your location, each carrier can offer you quotes from 19% to 25% lower than the average premium for similar age drivers.

Two carriers you should put in your sights in Rhode Island are Quincy Mutual and Encompass.

Both can offer lower than average quotes from a regional carrier.

In this article I am going to cover the minimum requirements, affordable carriers by age and location, and cost-saving tips to help you lower your monthly premium.

If you want to skip to a certain portion of the article there is a table of contents down little and to the right for your convenience.

Cheapest auto insurance by carrier for 25 year old from USAA, Travelers, Liberty Mutual, Allstate, and MetLife.Note: The least expensive insurers by quote for a 25 year old driver are from USAA, Travelers, and Liberty Mutual. Or approximately 21% to 26% lower than the average premium for drivers of similar age and profile. Allstate and MetLife are substantially lower making both companies worth getting quotes from.

Minimum Car Insurance Requirements for Rhode Island

Rhode Island uses a tort system which is utilized when settling losses due to auto accidents.

The tort system is where you purchase liability insurance that protects “other” drivers where you could be legally bound to answer to if there is considerable damage or medical expenses.

In short, when you purchase your liability policy you transfer the “liability” under the tort laws to the insurance firm.

For example, the insurer steps into your shoes and pays for damages.

The minimum car insurance requirements for Rhode Islands are as follows:

CoverageRhode Island Minimum Liability CoverageRecommended Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$25,000 $50,000
Uninsured Motorist*Optional$100,000 / $300,000
ComprehensiveOptional$250 deductible
CollisionOptional$500 deductible
Medical PaymentOptional$5,000

*Uninsured Motorist is a requirement unless declined in writing. Typically this is wrapped into liability and property damage coverage.

Note: Approximately 17 percent of drivers are uninsured in the State of Rhode Island. If you are in an automobile accident with an uninsured motorist you will not be covered if you decided to decline the coverage in writing.

Bodily Injury Liability

Bodily injury liability covers the hospital bills of the driver and passengers of the other automobile.

Under the minimum needed coverage, the insurance firm will cover up to $25,000 for a single person and up to $50,000 for multiple passengers for a single car accident.

Cheapest premium choices for 30 y/o driver in Rhode Island.Note: For a 30 year old driver the cheapest options for drivers are with USAA, Travelers, and Liberty Mutual. Each queried at $1,675, $1,700, and $1,730 respectfully for full coverage. All three carriers are 24% to 26% lower than the median quote of $2,247.

Property Damage Liability

Property damage liability covers repairs to private and public property like places of business, guard rails, and road signs as well as the other drivers vehicle.

Minimum coverage will make allowances for a maximum payout of $25,000 per accident.

The set limit would be 25/50/25 or in layman’s terms it is the minimum liability coverage and the maximum payout in thousands the policy will cover if you have purchased the minimum liability.

Least expensive premium by price for 35 y/o in Rhode Island.Note: The average premium for a 35 year old driver in Rhode Island is $2,102 per year. Affordable insurers by lowest quote are with USAA, Travelers, and Liberty Mutual. I queried each at $1,328, $1,398, and $1,436 per year for full coverage. Or approximately 31% to 36% lower than the average premium.

Uninsured Motorist Protection (UM)

Other coverage that is required (can be decline in writing) when driving in Rhode Island is Uninsured Motorist Protection or (UM).

The state has a high density of drivers and as many as two out of ten drivers at any given time are uninsured in the state.

If you get “only” the minimum liability coverage you can decline to purchase uninsured motorist protection.

What is Covered with Uninsured Motorist Protection?

UM cover is going to cover you in the event you are in an accident with an uninsured motorist.

In other words, uninsured motorist protection covers what the other driver should have had for minimum coverage when in an automobile accident.

Low-cost policy choices for 45 year old in Rhode Island with USAA, Travelers, Liberty Mutual, and Allstate.Note: A 45 year old driver can find the least expensive quotes with USAA, Travelers, and Liberty Mutual. Each queried at $832, $887, and $912 per year for full coverage. Or approximately 31% to 37% lower than the median quote for similar age drivers. Both Allstate and MetLife are competitive with quotes at $920 and $965 respectfully.

If you have an accident with an uninsured driver, after payment for damages, your insurance company is likely to sue the other driver for the money paid to you because of negligence.

Other optional coverage to consider is comprehensive, collision, medical payment cover, rental reimbursement, and towing.

Cheapest Auto Insurance Companies in Rhode Island

Below is a list of insurers from cheapest to the most expensive for drivers from 25 to 55 years of age.

When I compiled the data it is only for the lowest price only.

The table does not take into consideration consumer rating, etc.

The three least expensive carriers are USAA, Travelers, and Liberty Mutual.

All three average 23% to 33% lower than the median quote for a driver with good driving history.

USAA only offers coverage for military and their spouses. 

If USAA was not include in the list the next would be Allstate.

Quotes from Allstate are 20% to 23% lower than statewide average premium.

Amica and MetLife are two carriers to put on your bucket list to get quotes.

Both carriers can offer quotes from 19% to 25% cheaper than the “mean” quote for similar age drivers.

Quincy Mutual and Encompass are competitive in many cities across Rhode Island.

Both insurers can offer quotes from 14% to approximately 20% lower than the median rate for similar age drivers.

With the list you have eight carriers which can offer substantially lower premiums.

And you have blend of regional and national companies to find a policy to fit your needs and budget. 

Rhode Island CompanyAverage Rate 25 Y/O30 Y/O35 Y/O45 Y/O55 Y/O
USAA*$1,983$1,675$1,328$832$632
Travelers$2,055$1,700$1,398$887$645
Liberty Mutual$2,124$1,730$1,436$912$631
Allstate$2,176$1,787$1,459$920$647
GEICO$2,276$1,803$1,498$935$678
MetLife$2,300$1,822$1,500$965$687
Amica$2,321$1,855$1,512$972$700
Cal Casualty$2,476$1,900$1,537$1,055$709
Quincy Mutual$2,522$1,943$1,548$1,087$745
Encompass$2,698$2,074$1,600$1,165$765
Nationwide$2,750$2,128$1,621$1,180$780
National Grange Mutual$2,796$2,255$1,743$1,254$811
Peerless$3,006$2,290$1,769$1,276$812

*USAA covers only families and their children affiliated with the Military and Armed Forces. A spouse or person previously in the Armed Services may be able to get insurance through USAA.

Rhode Island, a System of Tort

It is important to realize if you reside in Rhode Island you are under their system which is tort.

Since the state is small there is good chance you could be in a state which is “no-fault”.

If you are involved in an accident in the “no-fault” state then you will revert to that system and not RI’s tort.

Low-cost premium choices for 55 year old in Rhode Island with USAA, Travelers, Allstate, and MetLife. Note: For a 55 year old the quotes clustered between $632 and $687. Liberty Mutual and USAA are the cheapest with quotes at $631 and $632 respectfully. Both carriers are 24% cheaper than the median quote for similar age drivers.

Common policy packages for motorists in RI

    • Bodily Injury Liability – 100,000/300,000

    • Property Damage Liability – 50,000

    • Uninsured Motorist Protection – 100,000/300,000

    • Comprehensive Coverage – $250 deductible

    • Collision Coverage – $500 deductible

    • Medical Payment Coverage – $5,000

Available Discounts

When you are looking for quotes in Rhode Island you want to be sure you can get all the available discounts.

Some of the discounts which are available in the state:

  1. Multi-vehicle policy
  2. Good Student
  3. Anti-theft devices
  4. Driver Education Courses
  5. Low Mileage
  6. Dividends – Not considered discounts, but dividend pay-outs can be applied to a premium.
  7. Multi-policy – If you are going to insure you home and vehicle.
  8. Good driver and renewal discount

This graphs show the auto insurance discounts in Rhode Island and how much you save in percentage points.

Note: When discounts are combined you received a higher percentage drop in rates. Your discount will vary with your company, driver history, and other influential factors. As illustrated by the graph good driver history and safety are higher savings.

This is pie graph showing the percentage of discount for lowering your auto insurance rates in the state of Rhode Island
Note: As illustrated by the graph, your biggest savings are good driver and safety features. If combined with other discounts your savings are greater.

Best Insurer by Consumer Rating, Rate Change, & Complaints

Below is a list of the best insurers by consumer rating, complaints, and rate change over an 18 month period.

It is important to realize insurers with higher amount of written premiums will have more complaints.

Particularly for national companies, such as Travelers, Liberty Mutual, or Allstate.

This is to be expected.

Any rate change over a 12 to 18 month period of 1% to 3% is normal.

If you get a traffic violation your premium rate can spike significantly, such a 20% or more.

The best option for the lowest premium possible is to maintain a clean driving history.

And do not file unnecessary claims. 

All data compiled is from AM Best, JD Power & Associates, and the Insurance Information Institute (III.org).

Consumer rating data is compiled from reputable online sources to get an average. 

CompanyWritten PremiumsRate Change < 18 Months# of ComplaintsConsumer Rating out of 5 Stars
Allstate$13,357,922+2.1%144.3
21st Century$1,422,311 +2.6%84.1
Farmers$8,587,276 +2.3%74.4
MetLife$11,629,575 +3.7%44.2
Hartford$3,112,894+2.2%04.2
Liberty Mutual$54,277,577+2.0%134.4
USAA$39,743,829+1,8%44.6
Progressive$116,721,621+2.0%94.3
Travelers$24,232,765+2.2%14.5
EMC$1,985,548+2.8%73.9
Allied$2,428,437 +2.7%34.1
MiddleOak$1,532,990 +3.8%33.9
Providence Mutual Fire $10,337,228+1.9%34.1
Amica$82,552,511+2.9%33.9
Harleysville$3,126,476+3.5%03.9
Nationwide $47,186,516 +2.9%223.9
Esurance$13,576,321+2.7%24.2
GEICO$87,615,729 +2.2%214.3
National General$2,573,327+2.1%33.9
Safeco$1,523,338+2.4%13.8
The General$2,109,732+4.1%53.7

Average Premium Quote by City

Below I have compiled a list of cities with population and average quote.

You policy price can vary by city or zip code.

Your best option is to get quotes to find savings.

If you want a more detailed comparison of larger cities in Rhode Island please see below

CityAvg. PremiumPopulationCityAvg. PremiumPopulation
Middletown$1,46516,150Jamestown$1,4905,405
Barrington$1,67816,310Johnston$1,34128,769
Bristol$1,75422,954Smithfield$1,34921,430
Manville$1,6983,221Newport$1,45624,672
Central Falls$1,81919,376North Kingstown$1,45626,486
Charlestown$1,6277,827North Scituate$167510,329
Chepachet$1,6051,675Pascoag$1,5754,577
Coventry$1,84435,014Pawtucket$1,91371,148
Cumberland$2,13833,506Peace Dale$1,4848,487
East Greenwich$1,75513,146Portsmouth$1,34317,389
East Providence$1,83347,037Tiverton$2,25415,780
Exeter$1,6796,425Riverside$1,87618,000
Foster$1,5924,606Rumford$1,65447,037
Lincoln$1,35821,105Woonsocket$1,56741,186
Greenville$1,7178,658Westerly$1,53922,787
Harmony$1,6741,000Warren$1,24510,611
Harrisville$1,5621,605Wakefield$1,3298,487

Providence, RI

Providence lowest price carriers for 30 to 55 y/o drivers.

To get a cheaper premium in Providence start by getting quotes from Allstate, Liberty Mutual, and Travelers.

I queried each at $1,522, $1,576, and $1,629 respectfully for a 30 year old driver.

Which is 29% lower than the average premium rate of $2,387 per year.

A 45 year old can find cheap quotes with Allstate and Liberty Mutual.

Each queried at $1,096 and $1,137 for full coverage.

Or nearly 30% lower than the “mean” quote in Providence.

For a 55 year old the quotes clustered between $812 and $925.

With Allstate being the least expensive at $812 per year for full coverage.

Or 26% lower than the average premium of a driver with a similar profile.

Providence Company30 Y/O45 Y/O55 Y/O
Allstate$1,522$1,096$812
Liberty Mutual$1,576$1,137$823
Travelers$1,629$1,189$844
MetLife$1,680$1,243$895
Quincy Mutual$1,755$1,270$925

Providence was founded in 1636 and one of the oldest cities in the nation.

Today, it has about 180,000 residents making it the biggest city in Rhode Island.

It is the capital of the state.

Recently, the city has re-branded into service industry calling itself the “Creative Capital” of Rhode Island. 

Warwick, RI

Warwick cheapest premium options for drivers 30 to 55.

To find the cheapest policy in Warwick start by getting quotes from Liberty Mutual, Travelers, and Quincy Mutual.

I queried each at $1,722, $1,765, and $1,843 for a 30 year old driver.

Which is 19% lower than the average premium of $1,968 for Liberty and Travelers.

A 45 year old can find low quotes with Liberty Mutual, Travelers, and Quincy.

Each queried at $1,121, $1,145, and $1,189 respectfully for full coverage.

Or approximately 21% lower than the “mean” premium quote in Warwick.

A 55 year old can find low rates with Liberty and Travelers.

I queried both at $887 and $900 for full coverage.

Which is 20% lower than the citywide average premium for a driver with the same age and profile.

Warwick Company30 Y/O45 Y/O55 Y/O
Liberty Mutual$1,722$1,121$887
Travelers$1,765$1,145$900
Quincy Mutual$1,843$1,189$912
Allstate$1,876$1,245$922
Amica$1,954$1,267$955
Encompass$2,087$1,300$986

Warwick was founded in 1642 the city was decimated during King Phillips War of 1675.

It is the site of the Gaspee Affair which is prelude to the Revolutionary War.

Today, Warwick is the second largest city with 83,000 residents.

Cranston, RI

Cranston, RI least expensive price choices for 30 to 55 y/o drivers.

If you are in the market for a cheaper premium then start by getting quotes from Travelers and Quincy Mutual.

I queried each at $1,623 and $1,658 for a 30 year old driver with full coverage.

Both insurers are 22% lower than the citywide average premium of $1,974 per year.

A 45 year old can find low quotes with Travelers, Quincy, and Allstate.

Each queried at $1,029, $1,086, and $1,143 for full coverage. Which is 20% to 22% lower than the “mean” rate.

A 55 year old can quotes clustering between $794 and $887.

Travelers is the cheapest at $794 for a full coverage premium.

Or 24% lower than the “mean” quote of $1,055 for a driver of similar age and profile.

Cranston Company30 Y/O45 Y/O55 Y/O
Travelers$1,623$1,029$794
Quincy Mutual$1,658$1,086$799
Allstate$1,700$1,143$814
Amica$1,725$1,210$843
Encompass$1,854$1,243$887

Cranston was incorporated as a town in 1754 then a city in 1910.

Once known as Pawtuxet it has 80,000 residents making it the 3rd most populous city in Rhode Island.

It has been named as one of the best places to live by Money Magazine. 

Pawtucket, RI

Pawtucket lowest price premium choices for 30 to 55 y/o.

To find the cheapest car insurance in Pawtucket start by getting quotes from Allstate, Travelers, and Quincy Mutual.

I queried each at $1,521, $1,547, and $1,590 for a 30 year old driver.

Which is 22% lower than the citywide “mean” premium rate of $1,870 per year.

A 45 year old can the lowest quotes with Allstate.

With a quote at $987 for full coverage this is 23% lower than the average premium.

Travelers is only $22 more at $1,009. While Quincy I queried at $1,048.

A 55 year old can cheap quotes with Allstate, Travelers, and Quincy Mutual.

Each queried at $759, $780, and $805 for full coverage.

Which is 24% lower than the “mean” rate for a driver of similar age and profile in Pawtucket.

Pawtucket Company30 Y/O45 Y/O55 Y/O
Allstate$1,521$987$759
Travelers$1,547$1,009$780
Quincy Mutual$1,590$1,048$805
Amica$1,652$1,128$832
Encompass$1,708$1,176$885

Pawtucket is the 4th largest city in the state with 71,000 residents. 

The city was established in 1671 with only a few people.

Pawtucket had a prominent role in the industrialization of the country.

In 1793 Samuel Slater built a facility for spinning cotton yarn.

Slater Mill is regarded as the origin of industry for the nation. 

Johnston, RI

Johnston, RI lowest price auto insurance for 30 to 55 year old.

If you want to get the least expensive policy then start with Allstate, Travelers, and Quincy Mutual.

I queried each at $1,432, $1,558, and $1,600 for a 30 year old driver.

Allstate is 25% lower than the “mean” rate. While Travelers and Quincy Mutual are 20% lower.

It would be smart to get quotes from all carriers illustrated for the most savings.

A 45 year old can find low rates with Allstate and Travelers.

Each queried at $975 and $990. Both carriers are 25% lower than the median quote for a similar driver.

A 55 year old can find low quotes with any insurers illustrated.

With quotes clustering between $723 and $841.

Allstate is the cheapest at $723.

Which is 24% lower than the median rate in Johnston.

Johnston Company30 Y/O45 Y/O55 Y/O
Allstate$1,432$975$723
Travelers$1,548$990$744
Quincy Mutual$1,600$1,032$769
Amica$1,611$1,076$804
Encompass$1,684$1,141$841

Johnston was incorporated on 1759 and named after August Johnston with less than 1,000 people. 

Today, there are nearly 30,000 residents. 

Johnston is home to Clemence Irons House, a stone-ender museum constructed in 1691. 

Also, it is home to the insurer FM Global.

Sources

http://www.dbr.ri.gov/

http://www.dbr.ri.gov/documents

http://www.dbr.state.ri.us/divisions

https://www.allstate.com/auto-insurance/rhode-island-auto-insurance-coverages.aspx

https://www.libertymutual.com/auto/car-insurance-coverage/rhode-island

https://www.census.gov/quickfacts/fact

Greg Fowler
Managing Member of AutoInsureSavings LLC, Greg enjoys writing articles to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at Google+ or Facebook Profile.

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