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: Mar 23, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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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.

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:

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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.

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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.

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.

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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.

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.

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.

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Your coverage level will play a major role in your Providence car insurance rates. Find the cheapest Providence, RI car insurance rates by coverage level below:

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Your credit score will play a significant role in your Providence car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Providence, RI car insurance rates by credit score below.

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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 percent. Find the cheapest Providence, RI car insurance rates by driving record.

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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.

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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.

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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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Monthly Providence, RI Auto Insurance Rates by ZIP Code
Providence, RI Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Providence, RI Auto Insurance Rates by Company vs. City Average
Providence, RI Auto Insurance Rates by Company and Age
The Cheapest Providence, RI Auto Insurance Rates by Coverage Level
The Cheapest Providence, RI Auto Insurance Rates by Credit Score
The Cheapest Providence, RI Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Providence, RI
Average Monthly Auto Insurance Rates by Age & Gender in Providence, RI
Monthly Providence, RI Auto Insurance Rates by ZIP Code
Providence, RI Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Providence, RI Auto Insurance Rates by Company vs. City Average
Providence, RI Auto Insurance Rates by Company and Age
The Cheapest Providence, RI Auto Insurance Rates by Coverage Level
The Cheapest Providence, RI Auto Insurance Rates by Credit Score
The Cheapest Providence, RI Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Providence, RI
Average Monthly Auto Insurance Rates by Age & Gender in Providence, RI