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If you dread shopping for car insurance, you're not alone. Still, in the event of an accident, the right auto insurance policy may be all that stands between you and financial hardship. Here, we tell you about the best car insurance companies in Rhode Island and outline other factors worth considering as you shop for the perfect policy.
With a rate of $1,389, State Farm offers the "typical" driver with a clean driving record the cheapest rate. As you'll see, State Farm regularly offers the most affordable car insurance in Rhode Island.
Other Rhode Island auto insurance carriers offering low rates are:
With age comes privileges, including a break on auto insurance. Leading the pack is State Farm, offering an average annual auto insurance rate of $1,392.
Other options include:
Current and former military members (and their families) can land the cheapest car insurance in Rhode Island through State Farm, with an average annual rate of $1,389.
Other competitive carriers include:
Rhode Island drivers with accidents on their record may find it tough to find affordable car insurance. State Farm makes it a little easier by offering an average annual rate of $1,389.
Other options include:
Once again, State Farm is the big winner when it comes to Rhode Island car insurance rates for minimum coverage. For $494 a year, Rhode Islanders can purchase basic auto coverage.
These companies also offer competitive Rhode Island auto insurance for minimum coverage:
How much is car insurance in Rhode Island? The short answer is $3,428, approximately 16% higher than the national average. Still, some companies remain dedicated to offering low-cost car insurance.
|AVERAGE RATE CATEGORY||Rhode Island||NATIONAL AVERAGE|
|1 accident on driving record||$2,624||$3,226|
|1 speeding ticket on driving record||$3,289||$2,840|
Rhode Island insurance laws are clear. If you're caught driving without auto insurance in Rhode Island, you are likely to face serious consequences. For example, you'll be fined between $100 and $500 following your first offense. For two or more infractions, the minimum fee is $500. You'll also lose your driving privileges. You may also have to pay a fee when you want to have your license reinstated.
Here's a look at what Rhode Island minimum car insurance coverage must include:
Shopping for auto insurance begins with gathering car insurance quotes in Rhode Island. It also involves investigating all potential discounts.
The number of potential insurance discounts varies by insurer. Taking the time to look through options can end up saving you money. Here are some of the discount options you're likely to come across:
Insurance companies also base your rate quote, in part, on your credit score. If a low credit score is getting in the way of the rates you want, taking steps to boost your score can save money.
Buying cheap liability car insurance in Rhode Island is better than driving without cover. Still, it may not cost as much as you think to add another level of protection. If you have a clean driving record it is possible to purchase a comprehensive policy for less than $116 per month. Yes, it's an added expense, but a comprehensive policy covers things like:
Paying for auto insurance may not be fun, but it's an important way to protect your financial wellbeing. Checking Rhode Island car insurance quotes is the first step in uncovering the best car insurance in Rhode Island.
Our Insurance Expert
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.
The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only -- your own quotes may be different.
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