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Best Affordable Auto Insurance in Rhode Island
Get Free Quotes and Find the Best Coverage

Find cheap auto insurance is a difficult task for most Americans, and especially important for citizen in Rhode Island as insurance averages are higher in the state. The department of insurance encourages people to shop around and get multiple free quotes before deciding on a policy. In fact, their consumer guide to auto insurance says, "Auto insurance companies vary substantially both in price and service to policyholders, so it pays to shop around and compare different insurance companies." Since 1993 Rhode Island has required all people who drive motor vehicles to be financially responsible in the case of an accident. The most reasonable way to accomplish this is through an insurance policy. Finding the best and most affordable auto insurance in Rhode Island can be an arduous task. Thankfully here at Best Auto we have done all the hard work to help you not only get free quotes, but find the best coverage and policy in Rhode Island. Below is all of the essential car insurance information you need, as well as the best auto insurance companies serving the Ocean State.

Understanding Rhode Island's Auto Insurance Requirements

Remember that the minimum requirement for car insurance differs from state to state and in order to get the best auto insurance quotes in Rhode Island one must understand what coverage they need. Rhode Island is not a no-fault state and does not require Personal Injury Protection (PIP) to be a part of your policy. However, state law does require protection from uninsured motorists.

In insurance vernacular a state's basic information on minimums for coverage are presented in the Body Injury Liability for 1 person/Body Injury Liability for all people/Property Liability Damage format. Body Injury liability refers the minimum dollar amount required for one person in an accident. Body Injury Liability for all people is the minimum amount required for coverage in an accident involving at least 1 driver and 1 passenger. Property Liability Damage refers to the minimum amount required for any accident in which property is damaged. In Rhode Island the minimums are 25/50/25. The numbers are in thousands of dollars.

Rhode Island Car Insurance Facts & Car Insurance In Comparison:

  • Liability Insurance Required: Yes
  • Minimum Coverage Required: 25/50/25
  • No-Fault State: No
  • Personal Injury Protection Required: No
  • Uninsured Motorist Coverage Required: Yes
  • Average Liability Cost: $671
  • Average Collision Cost: $379
  • Average Comprehensive Cost: $124
  • Average Cost per Year in Rhode Island: $1,017
  • US Average Cost: $795
  • Expense Rank: 6/51

Best Rhode Island Auto and Car Insurance Companies

J.D. Power
Overall Rank
Customer
Satisfaction
52%
N/R
N/A N/R
41%
N/A 53%
37%
55%
N/R
63%
N/A 42%
N/A 55%
N/A N/R
34%
N/R
N/A N/R
35%
N/A N/R
42%
N/R
N/A N/R
N/A 75%
N/R
34%
33%
N/A N/R
N/A N/R
N/A 65%
N/A N/R
N/A 34%