How much is car insurance in Rhode Island?
Full-coverage car insurance in Rhode Island averaged $1,710 a year in 2023 (NAIC)—19% above the $1,439 US average and 7th highest in the US—which works out to about $2,030 a year in Rhode Island today (about $170 a month, brought to August 2026 with the federal price index). In Rhode Island, the law asks for at least 25/50/25 liability, and Rhode Island's 2023 liability-only average—the closest NAIC figure to a minimum policy—was $984 (about $1,170 today).
What people pay in Rhode Island: 7th highest average in the US
Typical Rhode Island full-coverage price today
about $2,030 a year in Rhode Island (about $170 a month)
Rhode Island's 2023 NAIC full-coverage average ($1,710) adjusted +19% to August 2026 using the US motor-vehicle insurance price index; your Rhode Island rate depends on your car, driving history, and coverage limits.
That $1,710 2023 full-coverage figure makes Rhode Island the 7th most expensive of the 50 states and DC (against $1,439 nationally), with 58% going to liability ($984, 7th highest in the US) and 42% covering physical damage to your own vehicle. Counting every insured car in Rhode Island—both full-coverage and liability-only policies—Rhode Island drivers spent $1,540 per vehicle on average in 2023 (7th highest in the US, about $1,820 today), or 10% ($170) less than Rhode Island's full-coverage combined average.
Rhode Island costs more to insure than Connecticut and Massachusetts
A typical full-coverage policy in Rhode Island ($1,710 in 2023) costs more than in both bordering states (Connecticut and Massachusetts). Among Rhode Island's neighbors, Massachusetts had the lowest 2023 average ($1,413, moving to Rhode Island is about $400 more a year) and Connecticut had the highest ($1,508, moving to Rhode Island is about $270 more a year).
| State | 2023 average | Moving to Rhode Island from there |
|---|---|---|
| Rhode Island | $1,710 | Current state (Rhode Island) |
| Connecticut | $1,508 | About $270 more a year |
| Massachusetts | $1,413 | About $400 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: New Jersey ($1,693 in 2023, about $2,010 today), Texas ($1,727 in 2023, about $2,050 today), Georgia ($1,746 in 2023, about $2,070 today), and Colorado ($1,655 in 2023, about $1,960 today).
Rhode Island: 25/50/25 minimums, with uninsured-motorist coverage unless rejected in writing
- Rhode Island liability (per person / per crash / property)
- $25,000 / $50,000 / $25,000
- Personal injury protection (PIP) in Rhode Island
- Not required
- Medical payments in Rhode Island
- Not required
- No-fault system in Rhode Island
- No
- Uninsured motorist in Rhode Island
- Included unless you decline in writing
- Underinsured motorist in Rhode Island
- Included unless you decline in writing
Set by R.I. Gen. Laws 31-47-2, Rhode Island's 25/50/25 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $25,000 for others' property—the legal floor in Rhode Island, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Liability-only coverage in Rhode Island—the closest NAIC figure to what a Rhode Island minimum policy costs—averaged $984 in 2023 (about $1,170 in Rhode Island today), the 7th highest of the 50 states and DC. That makes liability 58% of Rhode Island's full-coverage average ($1,710), while the remaining 42% goes toward collision and comprehensive coverage for 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.
- History and recent checks
- 31-47-2 amounts last amended by P.L. 2014 per history note; no 2024-2026 change found.
- Checked
- September 22, 2026
- Sources
- R.I. Gen. Laws 31-47-2
twenty-five thousand dollars ($25,000) because of bodily injury to, or death of, one person ... fifty thousand dollars ($50,000) ... twenty-five thousand dollars ($25,000) because of injury to, or destruction of, property ... or seventy-five thousand dollars ($75,000) combined, single limit
- R.I. Gen. Laws 31-47-9
knowingly operate the motor vehicle or knowingly permit it to be operated in this state without having in full force and effect the financial security required by the provisions of this chapter
- R.I. Gen. Laws 27-7-2.1
unless the named insured is purchasing only the minimum coverage required ... in which case the limit can be reduced to zero, but only after signing an advisory notice" / "'uninsured motorist' shall include an underinsured motorist
- R.I. Gen. Laws 31-47-2
Adding a 16-year-old driver in Rhode Island: about $1,340 more a year
Adding a 16-year-old to a Rhode Island policy
about $1,340 more a year
About $110 a month (+66% over a typical Rhode Island adult policy of $2,030), bringing the combined Rhode Island family policy to roughly $2,500–$4,450 a year.
On a separate Rhode Island policy of their own with the same car, a 16-year-old in Rhode Island would pay about $5,820 a year (roughly $4,450–$8,300), so sharing a parent's Rhode Island policy saves about $4,480 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Rhode Island's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Rhode Island
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 on a Rhode Island policy, compared with about $2,010 more a year for the 2022 Tesla Model 3 in Rhode Island.
| 2022 model | Added to a Rhode Island policy | Own Rhode Island policy |
|---|---|---|
| 2022 Subaru Forester | +$1,190 in Rhode Island | $5,190 in Rhode Island |
| 2022 Subaru Outback | +$1,200 in Rhode Island | $5,200 in Rhode Island |
| 2022 Subaru Crosstrek | +$1,200 in Rhode Island | $5,220 in Rhode Island |
| 2022 Honda CR-V | +$1,280 in Rhode Island | $5,580 in Rhode Island |
| 2022 Toyota RAV4 | +$1,310 in Rhode Island | $5,680 in Rhode Island |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Rhode Island
In Rhode Island, a 45-year-old with full coverage pays from about $1,880 a year for a 2024 Chevrolet Traverse to about $2,490 for a 2024 Chevrolet Suburban on these Rhode Island sample models.
| Car | 45-year-old in Rhode Island | Adding a teen in Rhode Island |
|---|---|---|
| 2024 Chevrolet Blazer | about $2,190 a year | +$1,450 a year |
| 2024 Chevrolet Traverse | about $1,880 a year | +$1,240 a year |
| 2024 Chevrolet Tahoe | about $2,180 a year | +$1,440 a year |
| 2024 Chevrolet Suburban | about $2,490 a year | +$1,640 a year |
| 2024 Ford Explorer | about $2,130 a year | +$1,410 a year |
| 2024 Ford Bronco | about $2,180 a year | +$1,440 a year |
| 2024 Ford Bronco Sport | about $2,170 a year | +$1,430 a year |
| 2024 Ford Expedition | about $2,060 a year | +$1,360 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Rhode Island
- How much is car insurance in Rhode Island?
- In Rhode Island, full-coverage car insurance averaged $1,710 a year in 2023 (the 7th most expensive of the 50 states and DC per NAIC), or about $2,030 a year ($170 a month) in Rhode Island as of August 2026. Rhode Island liability-only coverage averaged $984 in 2023 (58% of Rhode Island's full-coverage figure, or about $1,170 today), and Rhode Island drivers spent $1,540 per insured car across all policies.
- What are the minimum car insurance limits in Rhode Island?
- Under R.I. Gen. Laws 31-47-2, Rhode Island requires 25/50/25 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $25,000 for property damage (or a $75,000 single limit). 31-47-2 amounts last amended by P.L. 2014 per history note; no 2024-2026 change found.
- How much does adding a 16-year-old teen driver cost in Rhode Island?
- Adding a 16-year-old to a parent's full-coverage policy in Rhode Island adds about $1,340 more a year ($110 a month), bringing the Rhode Island household policy to roughly $2,500–$4,450 a year versus about $5,820 a year (roughly $4,450–$8,300) on a standalone Rhode Island teen policy.
- Is Rhode Island a no-fault car insurance state?
- No—Rhode Island is a fault-based (tort) state where the at-fault driver's insurer pays for crash damages, and Rhode Island does not require personal injury protection (PIP). For uninsured/underinsured motorist coverage in Rhode Island: 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.
- How does Rhode Island's car insurance cost compare with Connecticut?
- Rhode Island averaged $1,710 for full coverage in 2023 (NAIC) against $1,508 in Connecticut (13% more than Connecticut), and moving a sample policy from Connecticut to Rhode Island today is about $270 more a year. Other bordering states averaged $1,413 in Massachusetts in 2023.
Sources for Rhode Island
- Rhode Island average premiums ($1,710 full coverage, $984 liability-only, $1,540 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Rhode Island minimum coverage statutes (R.I. Gen. Laws 31-47-2; R.I. Gen. Laws 31-47-9; R.I. Gen. Laws 27-7-2.1), checked September 22, 2026. Page updated for Rhode Island. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.