Rhode Island Car Insurance Cost for 2025

What is the average car insurance cost in Rhode Island? Find out the average cost, how Rhode Island compares to other states, plus the cheapest vehicles to insure in each segment.

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What is average car insurance cost in Rhode Island?

Average car insurance rates in Rhode Island cost $2,936 per year, or about $245 per month, which is 25.3% more than the national average rate of $2,276 for all vehicles.

Average rates for some of the most popular vehicles in Rhode Island include the Honda Civic at an average cost of $2,600 per year, the Ford Escape at $2,678, the Toyota Tacoma at $2,974, the Honda CR-V at $2,504, and the Jeep Wrangler at $3,352 per year.

Luxury cars and SUVs like the Infiniti QX50, the BMW 330i, and the Volvo XC90 cost an average of $2,852, $2,990, and $3,444 per year, respectively, for full-coverage car insurance.

The chart below shows average auto insurance cost in Rhode Island for all 2024 models. Rates are averaged for all Rhode Island Zip Codes and rated for driver ages 20 through 60 and for different policy deductibles.

Average full-coverage car insurance premium in Rhode Island for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Rhode Island for different ages of drivers. Rates updated on October 24, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Rhode Island Zip Codes.

Average Car Insurance Cost in Rhode Island
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$5,000$417
$500$5,910$493
$250$6,872$573
30$1,000$2,624$219
$500$3,132$261
$250$3,660$305
40$1,000$2,470$206
$500$2,936$245
$250$3,422$285
50$1,000$2,198$183
$500$2,602$217
$250$3,020$252
60$1,000$2,060$172
$500$2,436$203
$250$2,830$236

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all Rhode Island Zip Codes. Updated October 24, 2025

Rhode Island auto insurance rates in the chart above range from $2,060 per year for a 60-year-old driver with $1,000 deductibles to $6,872 per year for a 20-year-old driver with $250 deductibles.

Converted to a monthly payment, the average cost of car insurance per month in Rhode Island ranges from $172 to $573 for the rates shown in the chart.

Some additional factors and situations that can affect car insurance quotes in Rhode Island include:

  • A 50-year-old driver with a major driving conviction like a DWI/DUI or leaving the scene of an accident could pay as much as $2,676 more per year.
  • Even minor citations like a speeding ticket or failure to yield could increase the annual cost of auto insurance in Rhode Island by $780 for a 40-year-old driver.
  • Qualifying for many discounts could save as much as $912 per year. This includes discounts like being a safe driver, having multiple vehicles on the same policy, and being claim-free.
  • Insuring your car and home with the same insurance company could save as much as $380 per year.
  • An at-fault auto accident could increase rates by as much as $1,222 each year, depending on the company

Is car insurance expensive in Rhode Island?

When car insurance rates are compared to nearby states in the northeastern part of the U.S., the average cost in Rhode Island is 46.6% more than Maine, 9.3% more than Massachusetts, 7.8% more than Connecticut, and 40.7% more than than New Hampshire.

When compared to states in other parts of the country, the average cost of auto insurance in Rhode Island is 13.8% more expensive than Georgia, 24.1% more per year than Illinois, 1.8% more than California, 44.6% more than North Carolina, and 4.9% more expensive than New York.

Car insurance rate comparison example

The example below shows how average Rhode Island car insurance quotes compare to nearby states using dollar amounts rather than percentages. For this example, we’ll use a 40-year-old driver with a Nissan Rogue as the insured vehicle.

Average auto insurance rates on a 2024 Nissan Rogue in Rhode Island cost $2,638 per year. In comparison, this rate is:

  • $802 per year more expensive than in Vermont ($1,836)
  • $126 per year more expensive than in New York ($2,512)
  • $194 per year more expensive than in Connecticut ($2,444)
  • $44 per year more expensive than in New Jersey ($2,594)
  • $160 per year more expensive than in Delaware ($2,478)

Rhode Island car insurance vs. the Northeast region

The chart below shows how auto insurance cost in Rhode Island compares to other Northeast U.S. states. Average rates in Rhode Island rank last out of the 11 comparison states.

Average cost of car insurance in Rhode Island compared to other Northeast region states.
Figure 2: Average cost of car insurance in Rhode Island compared to other Northeast region states. Rates updated on October 24, 2025.
Average Car Insurance Cost in Rhode Island Compared to Northeast Region
Northeast Region States Average Annual Premium Cost Difference
Maine$1,826-$1,110
New Hampshire$1,944-$992
Vermont$2,042-$894
Maryland$2,394-$542
Pennsylvania$2,450-$486
Massachusetts$2,676-$260
Connecticut$2,716-$220
Delaware$2,756-$180
New York$2,796-$140
New Jersey$2,886-$50
Rhode Island$2,936--

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Rhode Island Zip Codes. Updated October 24, 2025

Cheapest car insurance by vehicle segment

The list below shows the cheapest vehicles to insure in Rhode Island for each segment. Following the list, we rank the top 20 cheapest car insurance rates in each segment.

  • Cheapest compact car insuranceToyota GR Corolla at $2,552 per year or $213 per month
  • Cheapest compact SUV insuranceSubaru Crosstrek at $2,168 per year or $181 per month
  • Cheapest midsize car insuranceKia K5 at $2,828 per year or $236 per month
  • Cheapest midsize SUV insuranceHonda Passport at $2,338 per year or $195 per month
  • Cheapest full-size car insuranceChrysler 300 at $2,798 per year or $233 per month
  • Cheapest full-size SUV insuranceChevrolet Tahoe at $2,758 per year or $230 per month
  • Cheapest midsize pickup insuranceChevrolet Colorado at $2,586 per year or $216 per month
  • Cheapest full-size pickup insuranceNissan Titan at $2,746 per year or $229 per month
  • Cheapest heavy duty pickup insuranceGMC Sierra 2500 HD at $2,986 per year or $249 per month
  • Cheapest minivan insuranceHonda Odyssey at $2,684 per year or $224 per month
  • Cheapest sports car insuranceMazda MX-5 Miata at $2,718 per year or $227 per month
  • Cheapest compact luxury car insuranceAcura Integra at $2,610 per year or $218 per month
  • Cheapest compact luxury SUV insuranceAcura RDX at $2,454 per year or $205 per month
  • Cheapest midsize luxury car insuranceMercedes-Benz CLA250 at $3,022 per year or $252 per month
  • Cheapest midsize luxury SUV insuranceJaguar E-Pace at $2,746 per year or $229 per month
  • Cheapest full-size luxury car insuranceAudi A5 at $3,488 per year or $291 per month
  • Cheapest full-size luxury SUV insuranceInfiniti QX80 at $3,292 per year or $274 per month

Cheapest car insurance in Rhode Island

The cheapest non-luxury two and four door cars to insure in Rhode Island are the Toyota GR Corolla at $2,552 per year, the Nissan Leaf at $2,570 per year, and the Honda Civic at $2,600 per year.

Also ranking well in our comparison are models like the Toyota Corolla, Toyota Prius, Honda Accord, and Kia K5, with average cost of $2,860 per year or less.

Ranked from 10th to 20th place, cars like the Volkswagen Arteon, Mitsubishi Mirage G4, Hyundai Sonata, Mazda 3, and Toyota Crown cost between $2,860 and $3,036 per year for full-coverage insurance.

Auto insurance rates in this segment will start around $213 per month, depending on your location and insurance company.

The cheapest non-luxury compact car to insure in Rhode Island is the Toyota GR Corolla at $2,552 per year. For midsize models, the Kia K5 is cheapest to insure at $2,828 per year. And for full-size non-luxury cars, the Chrysler 300 has the most affordable rates at $2,798 per year.

The table below ranks the cars with the cheapest auto insurance rates in Rhode Island, starting with the Toyota GR Corolla at $2,552 per year and ending with the Mazda 3 at $3,036 per year.

Top 20 Cheapest Car Insurance Rates in Rhode Island
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,552$213
Nissan LeafCompact$2,570$214
Honda CivicCompact$2,600$217
Nissan SentraCompact$2,692$224
Subaru ImprezaCompact$2,698$225
Toyota PriusCompact$2,744$229
Kia K5Midsize$2,828$236
Honda AccordMidsize$2,836$236
Chevrolet MalibuMidsize$2,848$237
Toyota CorollaCompact$2,860$238
Kia ForteCompact$2,868$239
Volkswagen ArteonMidsize$2,884$240
Nissan VersaCompact$2,894$241
Subaru LegacyMidsize$2,898$242
Hyundai Ioniq 6Midsize$2,922$244
Mitsubishi Mirage G4Compact$2,964$247
Toyota CrownMidsize$2,970$248
Volkswagen JettaCompact$2,970$248
Hyundai SonataMidsize$2,978$248
Mazda 3Compact$3,036$253

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rhode Island Zip Codes. Updated October 24, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Rhode Island, with the Toyota GR Corolla ranking first at $2,552 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Rhode Island, with the Toyota GR Corolla ranking first at $2,552 per year.

See our compact car insurance, midsize car insurance, and full-size car insurance comparison pages for more make and model data.

Cheapest SUV insurance in Rhode Island

The four cheapest non-luxury SUVs to insure in Rhode Island are the Subaru Crosstrek at $2,168 per year, Chevrolet Trailblazer at $2,206 per year, Kia Soul at $2,292 per year, and Nissan Kicks at $2,310 per year.

Also ranking well are SUVs like the Buick Envision, Mazda CX-5, Hyundai Venue, and Ford Bronco Sport, with an average cost of $2,406 per year or less.

In the lower half of the top 20 SUVs to insure, SUVs like the Honda HR-V, Honda CR-V, Kia Niro, Buick Envista, and Nissan Murano average between $2,406 and $2,554 per year for full-coverage insurance.

On a monthly basis, full-coverage auto insurance in Rhode Island on this segment for an average middle-age driver will start around $181 per month, depending on the company and your location.

The rate comparison table below ranks the SUVs with the most affordable car insurance rates in Rhode Island, starting with the Subaru Crosstrek at $181 per month and ending with the Subaru Ascent at $213 per month.

Top 20 Cheapest SUV Insurance Rates in Rhode Island
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$2,168$181
Chevrolet TrailblazerCompact$2,206$184
Kia SoulCompact$2,292$191
Nissan KicksCompact$2,310$193
Honda PassportMidsize$2,338$195
Buick EnvisionCompact$2,352$196
Toyota Corolla CrossCompact$2,368$197
Hyundai VenueCompact$2,386$199
Mazda CX-5Compact$2,394$200
Ford Bronco SportCompact$2,406$201
Volkswagen TiguanCompact$2,428$202
Nissan MuranoMidsize$2,466$206
Buick EncoreCompact$2,494$208
Subaru OutbackMidsize$2,500$208
Honda CR-VCompact$2,504$209
Buick EnvistaMidsize$2,508$209
Volkswagen TaosCompact$2,514$210
Kia NiroCompact$2,528$211
Honda HR-VCompact$2,554$213
Subaru AscentMidsize$2,554$213

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rhode Island Zip Codes. Updated October 24, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Rhode Island, with the Subaru Crosstrek ranking first at $2,168 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Rhode Island, with the Subaru Crosstrek ranking first at $2,168 per year.

Visit our compact SUV insurance, midsize SUV insurance, and full-size SUV insurance comparison pages for full make and model data.

Cheapest pickup insurance in Rhode Island

The four cheapest pickups to insure in Rhode Island are the Chevrolet Colorado at $2,586 per year, Nissan Titan at $2,746 per year, Nissan Frontier at $2,778 per year, and Ford Ranger at $2,804 per year.

Also ranking well are pickups like the GMC Canyon, Honda Ridgeline, Hyundai Santa Cruz, and GMC Sierra 2500 HD, with average insurance cost of $3,020 per year or less.

Car insurance rates in Rhode Island for this segment for a good driver starts at an average of $216 per month, depending on the company. The rate comparison table below ranks the twenty pickups with the cheapest insurance rates in Rhode Island, starting with the Chevrolet Colorado at $216 per month and ending with the Ram Truck at $283 per month.

Top 20 Cheapest Pickup Truck Insurance Rates in Rhode Island
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,586$216
Nissan TitanFull-size$2,746$229
Nissan FrontierMidsize$2,778$232
Ford RangerMidsize$2,804$234
Ford MaverickMidsize$2,848$237
Honda RidgelineMidsize$2,914$243
Hyundai Santa CruzMidsize$2,962$247
Toyota TacomaMidsize$2,974$248
GMC Sierra 2500 HDHeavy Duty$2,986$249
GMC CanyonMidsize$3,020$252
Jeep GladiatorMidsize$3,094$258
GMC Sierra 3500Heavy Duty$3,110$259
Chevrolet Silverado HD 3500Heavy Duty$3,140$262
Chevrolet Silverado HD 2500Heavy Duty$3,222$269
GMC SierraFull-size$3,240$270
Chevrolet SilveradoFull-size$3,246$271
Nissan Titan XDHeavy Duty$3,246$271
Ford F150Full-size$3,286$274
GMC Hummer EV PickupFull-size$3,368$281
Ram TruckFull-size$3,396$283

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rhode Island Zip Codes. Updated October 24, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Rhode Island, with the Chevrolet Colorado ranking first at $2,586 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Rhode Island, with the Chevrolet Colorado ranking first at $2,586 per year.

Visit our midsize pickup insurance and full-size pickup insurance pages for full data comparisons.

Cheapest luxury car insurance in Rhode Island

Ranking in the top five for most affordable Rhode Island auto insurance rates for the luxury car segment are the Acura Integra, Lexus IS 300, BMW 330i, Acura TLX, and Mercedes-Benz CLA250. Auto insurance quotes for these 2024 models average $253 or less per month.

Not the cheapest, but still in the top 10, are cars like the Lexus RC 300, Mercedes-Benz AMG CLA35, Lexus ES 350, and Genesis G70, with average rates of $3,086 per year or less.

Additional 2024 luxury models on the list include the BMW 230i, Lexus ES 300h, Jaguar XF, Cadillac CT5, and Lexus RC 350, which average between $3,086 and $3,292 per year for auto insurance.

From a monthly standpoint, auto insurance rates in Rhode Island on this segment for a middle-age safe driver will start around $218 per month, depending on where you live and the company you use.

When vehicle size is factored in, the cheapest compact luxury car model to insure in Rhode Island is the Acura Integra at $2,610 per year, or $218 per month. For midsize 2024 models, the Mercedes-Benz CLA250 has the best rates at $3,022 per year, or $252 per month. And for large luxury cars, the Audi A5 has the cheapest car insurance rates at $3,488 per year, or $291 per month.

The rate comparison table below ranks the twenty cars with the lowest-cost car insurance in Rhode Island, starting with the Acura Integra at $2,610 per year ($218 per month) and ending with the Audi S3 at $3,292 per year ($274 per month).

Top 20 Cheapest Luxury Cars to Insure in Rhode Island
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,610$218
BMW 330iCompact$2,990$249
Mercedes-Benz CLA250Midsize$3,022$252
Lexus IS 300Midsize$3,028$252
Acura TLXCompact$3,038$253
Lexus ES 350Midsize$3,066$256
Cadillac CT4Compact$3,068$256
Genesis G70Compact$3,074$256
Mercedes-Benz AMG CLA35Midsize$3,080$257
Lexus RC 300Midsize$3,086$257
Lexus IS 350Compact$3,100$258
Jaguar XFMidsize$3,108$259
Cadillac CT5Midsize$3,162$264
Lexus ES 250Midsize$3,178$265
Lexus RC 350Compact$3,184$265
BMW 330eCompact$3,188$266
BMW 228iCompact$3,192$266
BMW 230iCompact$3,218$268
Lexus ES 300hMidsize$3,222$269
Audi S3Compact$3,292$274

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rhode Island Zip Codes. Updated October 24, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Rhode Island, with the Acura Integra ranking first at $2,610 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Rhode Island, with the Acura Integra ranking first at $2,610 per year.

Complete rankings for all compact, midsize, and large luxury cars can be found on our luxury car insurance comparisons page.

Cheapest luxury SUV insurance in Rhode Island

The three top-ranked luxury SUVs with the most affordable average auto insurance rates in Rhode Island are the Acura RDX at $2,454 per year, the Lexus NX 250 at $2,598 per year, and the Cadillac XT4 at $2,652 per year.

Not the cheapest, but still in the top 10, are SUVs like the Lexus NX 450h, Lexus NX 350h, Lexus UX 250h, and Mercedes-Benz GLB 250, with an average car insurance cost of $2,830 per year or less.

Car insurance for this segment in Rhode Island for the average driver can cost as low as $205 per month, depending on the company.

If insurance rates are ranked by vehicle size, the cheapest small luxury SUV to insure in Rhode Island is the Acura RDX at $2,454 per year. For midsize luxury models, the Jaguar E-Pace is the cheapest model to insure at $2,746 per year. And for full-size luxury SUVs, the Infiniti QX80 has the cheapest rates at $3,292 per year.

The comparison table below ranks the twenty luxury SUVs with the lowest-cost average auto insurance rates in Rhode Island, starting with the Acura RDX at $2,454 per year and ending with the Lexus RX 350 at $2,946 per year.

Top 20 Cheapest Luxury SUVs to Insure in Rhode Island
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,454$205
Lexus NX 250Compact$2,598$217
Cadillac XT4Compact$2,652$221
Jaguar E-PaceMidsize$2,746$229
Cadillac XT5Midsize$2,770$231
Lexus NX 350hCompact$2,770$231
Lincoln CorsairCompact$2,804$234
Mercedes-Benz GLB 250Compact$2,810$234
Lexus UX 250hCompact$2,816$235
Lexus NX 450hCompact$2,830$236
Infiniti QX50Midsize$2,852$238
Mercedes-Benz GLA250Compact$2,862$239
Cadillac XT6Midsize$2,872$239
Mercedes-Benz GLA35 AMGCompact$2,872$239
Infiniti QX60Midsize$2,888$241
Mercedes-Benz AMG GLB35Midsize$2,894$241
Land Rover EvoqueCompact$2,930$244
Acura MDXMidsize$2,932$244
Lexus NX 350Compact$2,946$246
Lexus RX 350Midsize$2,946$246

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rhode Island Zip Codes. Updated October 24, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Rhode Island, with the Acura RDX ranking first at $2,454 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Rhode Island, with the Acura RDX ranking first at $2,454 per year.

Insurance rates for other full-size luxury SUVs like the Porsche Cayenne, Tesla Model X, BMW X6, and Audi e-tron can be seen ranked on our luxury SUV insurance rates page, along with all other compact and midsize luxury models.

Cargo van and minivan insurance in Rhode Island

The Chevrolet Express ranks at #1 for the cheapest van to insure in Rhode Island, followed by the Honda Odyssey and GMC Savana. The 2024 model averages $2,518 per year for full-coverage auto insurance.

Auto insurance in this segment starts at around $210 per month, depending on your location and insurance company. The rate comparison table below ranks the vans with the lowest-cost insurance in Rhode Island, starting with the Chevrolet Express at $2,518 per year.

Full-size and Minivan Insurance Rates in Rhode Island
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ExpressFull-size Van$2,518$210
Honda OdysseyMinivan$2,684$224
GMC SavanaFull-size Van$2,750$229
Ford TransitFull-size Van$2,756$230
Ram PromasterFull-size Van$2,828$236
Chrysler PacificaMinivan$2,900$242
Toyota SiennaMinivan$3,004$250
Kia CarnivalMinivan$3,034$253

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rhode Island Zip Codes. Updated October 24, 2025

Ranking of the cheapest midsize and large vans and minivans to insure in Rhode Island, with the Chevrolet Express ranking first at $2,518 per year.
Ranking of the cheapest midsize and large vans and minivans to insure in Rhode Island, with the Chevrolet Express ranking first at $2,518 per year.

See our minivan car insurance rates page for additional data and some additional models.

Sports car and exotic car insurance rates in Rhode Island

The cheapest sports cars to insure in Rhode Island are the Mazda MX-5 Miata at $2,718 per year, the Toyota GR86 at $3,094 per year, and the Ford Mustang at $3,228 per year.

Also ranking well are models like the Subaru BRZ, Lexus RC F, Nissan Z, and Toyota GR Supra, with an average cost of $3,510 per year or less.

Ranking between positions 10 and 20, models like the BMW M4, Porsche Taycan, Chevrolet Camaro, Lexus LC 500, Porsche 718, and BMW M3 cost between $3,510 and $4,972 per year to insure in Rhode Island.

Car insurance rates in this segment for a safe driver starts at an average of $227 per month, depending on the company. The comparison table below ranks the twenty sports cars with the lowest-cost average car insurance rates in Rhode Island, starting with the Mazda MX-5 Miata at $227 per month and ending with the Porsche Taycan at $414 per month.

Top 20 Sports Car and Exotic Car Insurance Rates in Rhode Island
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,718$227
Toyota GR86Sports Car$3,094$258
Ford MustangSports Car$3,228$269
BMW Z4Sports Car$3,244$270
Subaru WRXSports Car$3,292$274
Toyota GR SupraSports Car$3,298$275
BMW M2Sports Car$3,394$283
Nissan ZSports Car$3,400$283
Lexus RC FSports Car$3,470$289
Subaru BRZSports Car$3,510$293
BMW M3Sports Car$3,708$309
Porsche 718Sports Car$3,780$315
Chevrolet CamaroSports Car$3,814$318
Chevrolet CorvetteSports Car$4,066$339
Aston Martin VantageExotic Car$4,108$342
Porsche 911Sports Car$4,206$351
BMW M4Sports Car$4,382$365
Lexus LC 500Sports Car$4,402$367
Jaguar F-TypeSports Car$4,632$386
Mercedes-Benz AMG GT53Sports Car$4,862$405

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Rhode Island Zip Codes. Updated October 24, 2025

Ranking of the cheapest sports and exotic cars to insure in Rhode Island, with the Mazda MX-5 Miata ranking first at $2,718 per year.
Ranking of the cheapest sports and exotic cars to insure in Rhode Island, with the Mazda MX-5 Miata ranking first at $2,718 per year.

Rhode Island car insurance rates for popular vehicles

The charts below show average car insurance rates for five of the most popular vehicles in Rhode Island. Detailed rates are shown for the Nissan Sentra, Toyota RAV4, Honda Pilot, Toyota Camry, and Toyota Supra.

Nissan Sentra insurance rates

Nissan Sentra insurance in Rhode Island costs an average of $2,692 per year and prices range from $2,234 to $6,114 per year for the driver risk profiles shown below.

The Nissan Sentra is classified as a compact car, and other popular models include the Volkswagen Jetta, Chevrolet Cruze, Toyota Corolla, Honda Civic, and Hyundai Elantra.

Average 2024 Nissan Sentra insurance premiums in Rhode Island for different driver ages and risk scenarios.
Figure 3: Average 2024 Nissan Sentra insurance premiums in Rhode Island for different driver ages and risk scenarios. Rates updated on October 24, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Sentra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Sentra car insurance cost in Rhode Island includes all Zip Codes and vehicle trim levels.

2024 Nissan Sentra Insurance Cost in Rhode Island
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,114$510
Safe Driver Age 20$5,320$443
At-fault Accidents Age 40$3,808$317
Low Deductibles Age 40$3,402$284
Safe Driver Age 30$2,856$238
Safe Driver Age 40$2,692$224
Safe Driver Age 50$2,408$201
High Deductibles Age 40$2,316$193
Safe Driver Age 60$2,244$187
Discount Rate Age 40$2,234$186

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Sentra trim levels. Updated October 24, 2025

Toyota RAV4 insurance rates

Toyota RAV4 car insurance rates in Rhode Island range from $2,250 to $6,232 per year in the chart below. Toyota RAV4 insurance costs an average of $2,708 per year in Rhode Island or about $226 per month.

The Toyota RAV4 belongs to the compact SUV segment, and other popular models include the Mazda CX-5, Chevrolet Equinox, Nissan Rogue, Honda CR-V, and Ford Escape.

Average 2024 Toyota RAV4 insurance premiums in Rhode Island for different driver ages and risk scenarios.
Figure 4: Average 2024 Toyota RAV4 insurance premiums in Rhode Island for different driver ages and risk scenarios. Rates updated on October 24, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota RAV4 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota RAV4 car insurance cost in Rhode Island includes all Zip Codes and vehicle trim levels.

2024 Toyota RAV4 Insurance Cost in Rhode Island
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,232$519
Safe Driver Age 20$5,444$454
At-fault Accidents Age 40$3,844$320
Low Deductibles Age 40$3,506$292
Safe Driver Age 30$2,884$240
Safe Driver Age 40$2,708$226
Safe Driver Age 50$2,408$201
High Deductibles Age 40$2,296$191
Safe Driver Age 60$2,252$188
Discount Rate Age 40$2,250$188

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota RAV4 trim levels. Updated October 24, 2025

Honda Pilot insurance rates

Average Honda Pilot insurance cost in Rhode Island ranges from $2,376 to $6,612 per year for the example driver risk profiles in the chart below, with average cost being $2,860 per year.

The Honda Pilot is a midsize SUV and other similar models include the Jeep Grand Cherokee, Ford Explorer, Kia Sorento, Toyota Highlander, and Ford Edge.

Average 2024 Honda Pilot insurance premiums in Rhode Island for different driver ages and risk scenarios.
Figure 5: Average 2024 Honda Pilot insurance premiums in Rhode Island for different driver ages and risk scenarios. Rates updated on October 24, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Pilot with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Pilot car insurance cost in Rhode Island includes all Zip Codes and vehicle trim levels.

2024 Honda Pilot Insurance Cost in Rhode Island
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,612$551
Safe Driver Age 20$5,792$483
At-fault Accidents Age 40$4,050$338
Low Deductibles Age 40$3,782$315
Safe Driver Age 30$3,056$255
Safe Driver Age 40$2,860$238
Safe Driver Age 50$2,528$211
High Deductibles Age 40$2,386$199
Discount Rate Age 40$2,376$198
Safe Driver Age 60$2,370$198

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Pilot trim levels. Updated October 24, 2025

Toyota Camry insurance rates

Average Toyota Camry insurance rates in Rhode Island as shown in the chart below range from $2,624 to $7,252 per year, with the average cost being $3,154.

The Toyota Camry is considered a midsize car, and other models in this segment include the Hyundai Sonata, Honda Accord, Kia K5, Chevrolet Malibu, and Nissan Altima.

Average 2024 Toyota Camry insurance premiums in Rhode Island for different driver ages and risk scenarios.
Figure 6: Average 2024 Toyota Camry insurance premiums in Rhode Island for different driver ages and risk scenarios. Rates updated on October 24, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Camry with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Camry car insurance cost in Rhode Island includes all Zip Codes and vehicle trim levels.

2024 Toyota Camry Insurance Cost in Rhode Island
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$7,252$604
Safe Driver Age 20$6,356$530
At-fault Accidents Age 40$4,450$371
Low Deductibles Age 40$4,190$349
Safe Driver Age 30$3,372$281
Safe Driver Age 40$3,154$263
Safe Driver Age 50$2,786$232
High Deductibles Age 40$2,624$219
Discount Rate Age 40$2,624$219
Safe Driver Age 60$2,612$218

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Camry trim levels. Updated October 24, 2025

Toyota GR Supra insurance rates

The average cost for Toyota GR Supra insurance in Rhode Island is $3,298 per year. The chart below shows rates ranging from $2,740 to $7,538 per year for a 2024 Toyota Supra.

The Toyota GR Supra is a sports car and other vehicles in this segment include the Chevrolet Corvette, Subaru BRZ, Ford Mustang, and Chevrolet Camaro.

Average 2021 Toyota Supra insurance premiums in Rhode Island for different driver ages and risk scenarios.
Figure 7: Average 2021 Toyota Supra insurance premiums in Rhode Island for different driver ages and risk scenarios. Rates updated on October 24, 2025.

Data Methodology: Average rates are for a 2021 model year Toyota Supra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Supra car insurance cost in Rhode Island includes all Zip Codes and vehicle trim levels.

2021 Toyota Supra Insurance Cost in Rhode Island
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,850$571
Safe Driver Age 20$5,998$500
At-fault Accidents Age 40$4,220$352
Low Deductibles Age 40$3,908$326
Safe Driver Age 30$3,184$265
Safe Driver Age 40$2,982$249
Safe Driver Age 50$2,644$220
High Deductibles Age 40$2,508$209
Discount Rate Age 40$2,478$207
Safe Driver Age 60$2,474$206

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2021 Toyota Supra trim levels. Updated October 24, 2025

Average rates in large Rhode Island cities

Listed below are average auto insurance rates for some of Rhode Island’s larger cities. Click and visit any page for detailed rates including the cheapest cars, trucks, and SUVs to insure in each city.