Car insurance in Rhode Island
Drivers in Rhode Island paid $1,710 a year for full coverage in 2023, 19% above the national average. With prices up since, figure on about $2,030 today. In Rhode Island, the law asks for at least 25/50/25 liability.
What people pay in Rhode Island
A typical yearly price today
about $2,030 a year (about $170 a month)
Rhode Island's average full-coverage cost in 2023 was $1,710, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $2,030.
That makes Rhode Island the 7th most expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
Rhode Island next to its neighbors
A typical policy costs more in Rhode Island than in both of its neighbors.
| State | Typical price, 2023 | Moving to Rhode Island from there |
|---|---|---|
| Rhode Island | $1,710 | Not a move |
| Connecticut | $1,508 | About $280 more a year |
| Massachusetts | $1,413 | About $410 more a year |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance Rhode Island's law asks for
- Liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP)
- Not required
- Medical payments
- Not required
- No-fault
- No
- Uninsured motorist
- Included unless you decline in writing
- Underinsured motorist
- Included unless you decline in writing
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $984 in Rhode Island in 2023 (about $1,170 today, brought up the same rough way), the 7th highest of the 50 states and DC. That's about 58% of the full-coverage price; the rest pays to fix or replace your own car.
Rhode Island requires at least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage (or a $75,000 combined limit). Uninsured/underinsured-motorist coverage comes with your policy. You can drop it only if you buy just the state minimum and sign a written warning notice.
Good to know: You can drop uninsured motorist coverage only if you buy just the state minimum and sign a written notice, so it's shown as "included unless you decline in writing."
What we couldn’t confirm: We marked PIP and medical payments coverage not required because we found no law requiring them, not because a law says they're optional.
- Combined limit you can use instead
- $75,000
- Uninsured and underinsured motorist
- Uninsured motorist coverage matches your injury liability limits. You can pick lower limits in writing, but not below 25/50, and you can drop it entirely only if you buy just the state minimum and sign a written notice. It also covers underinsured drivers. You can turn down its property-damage part in writing.
- Checked
- September 22, 2026
A new teen driver in Rhode Island
Adding a 16-year-old to a typical policy
about $1,340 more a year
About $110 a month, on one average car with full coverage. The whole policy with the teen: roughly $2,500–$4,450 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $5,820 a year in Rhode Island (roughly $4,450–$8,300).
What adding a teen costs comes from California's published prices, so the range is wide, and Rhode Island may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
In Rhode Island, the 2022 Subaru Forester is the cheapest of the 33 cars on the site's popular lists to add a teen with: about $1,190 more a year. At the other end of the same lists, the 2022 Tesla Model 3 costs about $2,010 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$1,190 a year | $5,190 a year |
| 2022 Subaru Outback | +$1,200 a year | $5,200 a year |
| 2022 Subaru Crosstrek | +$1,200 a year | $5,220 a year |
| 2022 Honda CR-V | +$1,280 a year | $5,580 a year |
| 2022 Toyota RAV4 | +$1,310 a year | $5,680 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in Rhode Island (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: Rhode Island's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.