Best Providence, Rhode Island Auto Insurance in 2025

Auto insurance in Providence, RI is quite expensive since Rhode Island auto insurance ranks as the sixth most expensive in the U.S.

However, it is still possible to find cheap auto insurance in Providence. The best way to find affordable auto insurance in Providence, RI is to shop around to find the best prices.

Monthly Providence, RI Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Providence, Rhode Island auto insurance rates by ZIP Code below:

Providence, RI Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Providence, Rhode Island stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

Every auto insurance company will charge different rates making it necessary to compare quotes. Enter your ZIP code now to compare auto insurance quotes in Providence, RI.

What is the cheapest auto insurance company in Providence, RI?

The cheapest auto insurance company in Providence is State Farm, although rates will vary from driver to driver. Check out our State Farm auto insurance review for more information.

Which Providence, RI car insurance company has the best rates? And how do those rates compare against the average Rhode Island car insurance company rates? We’ve got the answers below.

The top-rated auto insurance companies in Providence, RI listed from least to most expensive are:

• State Farm auto insurance – $2,897.12
• USAA auto insurance – $4,973.73
• Nationwide auto insurance – $5,966.30
• Allstate auto insurance – $6,154.90
• Progressive auto insurance – $6,605.88
• Geico auto insurance – $7,636.69
• Liberty Mutual auto insurance – $8,976.30
• Travelers auto insurance – $9,357.66

There are many different factors that affect your auto insurance rates in Providence, RI, such as age, gender, marital status, driving record, ZIP code, and credit history.

What auto insurance coverage is required in Providence, RI?

Drivers in Providence, RI have to carry at least the state minimum auto insurance coverage. The required auto insurance in Rhode Island is:

• $25,000 per person and $50,000 per incident for bodily injury liability
• $25,000 per incident for property damage
• $25,000 per person and $50,000 per incident for uninsured/underinsured motorist coverage

Rhode Island is an at-fault state when it comes to auto insurance. This means that the driver at fault in the accident will be responsible for damages as much as they are at fault.

For example, if you are 100% at-fault, you and your insurance company will pay for 100% of the damages. However, if you are only 50% at fault, you will only have to cover half of the damages.

Providence, RI car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group. Auto insurance for teens and young drivers is usually the most expensive.

Your coverage level will play a major role in your Providence car insurance rates. The types of car insurance you choose will impact your rates. Find the cheapest Providence, RI car insurance rates by coverage level below:

Your credit score will play a significant role in your Providence car insurance rates since auto insurance companies use credit scores to determine rates. Find the cheapest Providence, RI car insurance rates by credit score below.

Your driving record will play a major role in your Providence car insurance rates. For example, other factors aside, a Providence, RI DUI may increase your car insurance rates 40% to 50%. Cheap auto insurance for drivers with a DUI is not easy to find. Find the cheapest Providence, RI car insurance rates by driving record.

Factors affecting car insurance rates in Providence, RI may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Providence, Rhode Island car insurance.

These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. RI does use gender, so check out the average monthly car insurance rates by age and gender in Providence, RI. Car insurance rates are more for males on average.

What affects auto insurance rates in Providence, RI?

Providence, RI is very densely populated, which means heavy traffic on the roads. More traffic equals more accidents.

INRIX ranks Providence as the 16th most congested city in the U.S. and 74th most congested city in the world.

According to City-Data, Providence, RI drivers’ average commute time is less than 25 minutes. That’s not bad considering the congestion.

Also, the FBI shows that there were 580 motor vehicle thefts in Providence. That’s about one theft for every 310 people.

Providence, RI Auto Insurance: The Bottom Line

Rhode Island auto insurance is very expensive. So, be sure to shop around before you buy auto insurance in Providence, RI. Comparing quotes can help you find the best car insurance for you.

Enter your ZIP code now to compare auto insurance rates in Providence, RI, and find the cheapest auto insurance.