Best Cheap Auto Insurance in Providence, RI (2021)

Auto insurance in Providence, RI is very expensive, but State Farm has the lowest average auto insurance rates in Providence. Drivers in Providence must carry at least the minimum Rhode Island auto insurance coverage, which is 25/50/25 for liability, as well as uninsured/underinsured motorists coverage. Compare Providence, RI auto insurance rates online to find the cheapest policy for you.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Feb 22, 2021

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Things to Remember

  • Rhode Island has the sixth-highest auto insurance rates in the country
  • The cheapest auto insurance company in Providence, RI is State Farm
  • Providence is very densely populated and has a lot of traffic, which can lead to more accidents and higher rates

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.

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.

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

  • State Farm – $2,897.12
  • USAA – $4,973.73
  • Nationwide – $5,966.30
  • Allstate – $6,154.90
  • Progressive – $6,605.88
  • GEICO – $7,636.69
  • Liberty Mutual – $8,976.30
  • Travelers – $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.

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

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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