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 $2,892 per year, or about $241 per month, which is 26.2% more than the national average rate of $2,221 for all vehicles.

Average rates for some of the most popular vehicles in Rhode Island include the Honda Civic at an average cost of $2,562 per year, the Ford Escape at $2,638, the Toyota Tacoma at $2,930, the Honda CR-V at $2,464, and the Jeep Wrangler at $3,300 per year.

Luxury cars and SUVs like the Infiniti QX50, the BMW 330i, and the Volvo XC90 cost an average of $2,812, $2,946, and $3,394 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 June 26, 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$4,926$411
$500$5,820$485
$250$6,768$564
30$1,000$2,588$216
$500$3,088$257
$250$3,608$301
40$1,000$2,432$203
$500$2,892$241
$250$3,370$281
50$1,000$2,168$181
$500$2,564$214
$250$2,980$248
60$1,000$2,030$169
$500$2,400$200
$250$2,786$232

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 June 26, 2025

Rhode Island auto insurance rates in the chart above range from $2,030 per year for a 60-year-old driver with $1,000 deductibles to $6,768 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 $169 to $564 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 $2,634 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 $770 for a 40-year-old driver.
  • Qualifying for many discounts could save as much as $896 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 $370 per year.
  • An at-fault auto accident could increase rates by as much as $1,204 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 47.4% more than Maine, 9.3% more than Massachusetts, 7.8% more than Connecticut, and 41.5% 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 14% more expensive than Georgia, 24.4% more per year than Illinois, 1.7% more than California, 45.4% more than North Carolina, and 5% 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 $2,600 per year. In comparison, this rate is:

  • $802 per year more expensive than in Vermont ($1,798)
  • $126 per year more expensive than in New York ($2,474)
  • $196 per year more expensive than in Connecticut ($2,404)
  • $46 per year more expensive than in New Jersey ($2,554)
  • $162 per year more expensive than in Delaware ($2,438)

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 June 27, 2025.
Average Car Insurance Cost in Rhode Island Compared to Northeast Region
Northeast Region States Average Annual Premium Cost Difference
Maine$1,784-$1,108
New Hampshire$1,898-$994
Vermont$1,998-$894
Maryland$2,352-$540
Pennsylvania$2,406-$486
Massachusetts$2,634-$258
Connecticut$2,674-$218
Delaware$2,716-$176
New York$2,752-$140
New Jersey$2,844-$48
Rhode Island$2,892--

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 June 27, 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 $2,514 per year or $210 per month
  • Cheapest compact SUV insuranceSubaru Crosstrek at $2,138 per year or $178 per month
  • Cheapest midsize car insuranceKia K5 at $2,786 per year or $232 per month
  • Cheapest midsize SUV insuranceHonda Passport at $2,306 per year or $192 per month
  • Cheapest full-size car insuranceChrysler 300 at $2,754 per year or $230 per month
  • Cheapest full-size SUV insuranceChevrolet Tahoe at $2,716 per year or $226 per month
  • Cheapest midsize pickup insuranceChevrolet Colorado at $2,546 per year or $212 per month
  • Cheapest full-size pickup insuranceNissan Titan at $2,702 per year or $225 per month
  • Cheapest heavy duty pickup insuranceGMC Sierra 2500 HD at $2,942 per year or $245 per month
  • Cheapest minivan insuranceHonda Odyssey at $2,644 per year or $220 per month
  • Cheapest sports car insuranceMazda MX-5 Miata at $2,676 per year or $223 per month
  • Cheapest compact luxury car insuranceAcura Integra at $2,572 per year or $214 per month
  • Cheapest compact luxury SUV insuranceAcura RDX at $2,420 per year or $202 per month
  • Cheapest midsize luxury car insuranceMercedes-Benz CLA250 at $2,976 per year or $248 per month
  • Cheapest midsize luxury SUV insuranceJaguar E-Pace at $2,704 per year or $225 per month
  • Cheapest full-size luxury car insuranceAudi A5 at $3,436 per year or $286 per month
  • Cheapest full-size luxury SUV insuranceInfiniti QX80 at $3,242 per year or $270 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 $2,514 per year, the Nissan Leaf at $2,534 per year, and the Honda Civic at $2,562 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 $2,818 per year or less.

Ranked from 10th to 20th place, cars like the Volkswagen Arteon, Mitsubishi Mirage G4, Hyundai Sonata, Mazda 3, and Volkswagen Jetta cost between $2,818 and $2,992 per year for full-coverage insurance.

Auto insurance rates in this segment will start around $210 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 $2,514 per year. For midsize models, the Kia K5 is cheapest to insure at $2,786 per year. And for full-size non-luxury cars, the Chrysler 300 has the most affordable rates at $2,754 per year.

The table below ranks the cars with the cheapest auto insurance rates in Rhode Island, starting with the Toyota GR Corolla at $2,514 per year and ending with the Mazda 3 at $2,992 per year.

Top 20 Cheapest Car Insurance Rates in Rhode Island
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,514$210
Nissan LeafCompact$2,534$211
Honda CivicCompact$2,562$214
Nissan SentraCompact$2,652$221
Subaru ImprezaCompact$2,660$222
Toyota PriusCompact$2,704$225
Kia K5Midsize$2,786$232
Honda AccordMidsize$2,794$233
Chevrolet MalibuMidsize$2,806$234
Toyota CorollaCompact$2,818$235
Kia ForteCompact$2,824$235
Volkswagen ArteonMidsize$2,844$237
Nissan VersaCompact$2,848$237
Subaru LegacyMidsize$2,856$238
Hyundai Ioniq 6Midsize$2,878$240
Mitsubishi Mirage G4Compact$2,916$243
Volkswagen JettaCompact$2,924$244
Toyota CrownMidsize$2,926$244
Hyundai SonataMidsize$2,932$244
Mazda 3Compact$2,992$249

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 June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Rhode Island, with the Toyota GR Corolla ranking first at $2,514 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Rhode Island, with the Toyota GR Corolla ranking first at $2,514 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 $2,138 per year, Chevrolet Trailblazer at $2,174 per year, Kia Soul at $2,258 per year, and Nissan Kicks at $2,278 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 $2,368 per year or less.

In the lower half of the top 20 SUVs to insure, SUVs like the Honda HR-V, Subaru Outback, Kia Niro, Buick Envista, and Nissan Murano average between $2,368 and $2,518 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 $178 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 $178 per month and ending with the Subaru Ascent at $210 per month.

Top 20 Cheapest SUV Insurance Rates in Rhode Island
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$2,138$178
Chevrolet TrailblazerCompact$2,174$181
Kia SoulCompact$2,258$188
Nissan KicksCompact$2,278$190
Honda PassportMidsize$2,306$192
Buick EnvisionCompact$2,318$193
Toyota Corolla CrossCompact$2,330$194
Hyundai VenueCompact$2,348$196
Mazda CX-5Compact$2,360$197
Ford Bronco SportCompact$2,368$197
Volkswagen TiguanCompact$2,394$200
Nissan MuranoMidsize$2,430$203
Buick EncoreCompact$2,456$205
Honda CR-VCompact$2,464$205
Subaru OutbackMidsize$2,464$205
Buick EnvistaMidsize$2,474$206
Volkswagen TaosCompact$2,478$207
Kia NiroCompact$2,490$208
Honda HR-VCompact$2,518$210
Subaru AscentMidsize$2,518$210

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 June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Rhode Island, with the Subaru Crosstrek ranking first at $2,138 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Rhode Island, with the Subaru Crosstrek ranking first at $2,138 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 $2,546 per year, Nissan Titan at $2,702 per year, Nissan Frontier at $2,734 per year, and Ford Ranger at $2,764 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 $2,976 per year or less.

Car insurance rates in Rhode Island for this segment for a good driver starts at an average of $212 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 $212 per month and ending with the Ram Truck at $279 per month.

Top 20 Cheapest Pickup Truck Insurance Rates in Rhode Island
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,546$212
Nissan TitanFull-size$2,702$225
Nissan FrontierMidsize$2,734$228
Ford RangerMidsize$2,764$230
Ford MaverickMidsize$2,806$234
Honda RidgelineMidsize$2,870$239
Hyundai Santa CruzMidsize$2,920$243
Toyota TacomaMidsize$2,930$244
GMC Sierra 2500 HDHeavy Duty$2,942$245
GMC CanyonMidsize$2,976$248
Jeep GladiatorMidsize$3,048$254
GMC Sierra 3500Heavy Duty$3,064$255
Chevrolet Silverado HD 3500Heavy Duty$3,090$258
Chevrolet Silverado HD 2500Heavy Duty$3,176$265
GMC SierraFull-size$3,196$266
Nissan Titan XDHeavy Duty$3,198$267
Chevrolet SilveradoFull-size$3,200$267
Ford F150Full-size$3,236$270
GMC Hummer EV PickupFull-size$3,318$277
Ram TruckFull-size$3,346$279

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 June 26, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Rhode Island, with the Chevrolet Colorado ranking first at $2,546 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 $2,546 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 $249 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 $3,040 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 $3,040 and $3,242 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 $214 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 $2,572 per year, or $214 per month. For midsize 2024 models, the Mercedes-Benz CLA250 has the best rates at $2,976 per year, or $248 per month. And for large luxury cars, the Audi A5 has the cheapest car insurance rates at $3,436 per year, or $286 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 $2,572 per year ($214 per month) and ending with the Audi S3 at $3,242 per year ($270 per month).

Top 20 Cheapest Luxury Cars to Insure in Rhode Island
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,572$214
BMW 330iCompact$2,946$246
Mercedes-Benz CLA250Midsize$2,976$248
Lexus IS 300Midsize$2,980$248
Acura TLXCompact$2,992$249
Cadillac CT4Compact$3,020$252
Lexus ES 350Midsize$3,020$252
Genesis G70Compact$3,026$252
Mercedes-Benz AMG CLA35Midsize$3,032$253
Lexus RC 300Midsize$3,040$253
Lexus IS 350Compact$3,052$254
Jaguar XFMidsize$3,060$255
Cadillac CT5Midsize$3,118$260
Lexus ES 250Midsize$3,130$261
Lexus RC 350Compact$3,136$261
BMW 330eCompact$3,142$262
BMW 228iCompact$3,146$262
BMW 230iCompact$3,172$264
Lexus ES 300hMidsize$3,176$265
Audi S3Compact$3,242$270

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 June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Rhode Island, with the Acura Integra ranking first at $2,572 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Rhode Island, with the Acura Integra ranking first at $2,572 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 $2,420 per year, the Lexus NX 250 at $2,562 per year, and the Cadillac XT4 at $2,610 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 $2,790 per year or less.

Car insurance for this segment in Rhode Island for the average driver can cost as low as $202 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 $2,420 per year. For midsize luxury models, the Jaguar E-Pace is the cheapest model to insure at $2,704 per year. And for full-size luxury SUVs, the Infiniti QX80 has the cheapest rates at $3,242 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 $2,420 per year and ending with the Lexus RX 350 at $2,904 per year.

Top 20 Cheapest Luxury SUVs to Insure in Rhode Island
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,420$202
Lexus NX 250Compact$2,562$214
Cadillac XT4Compact$2,610$218
Jaguar E-PaceMidsize$2,704$225
Cadillac XT5Midsize$2,728$227
Lexus NX 350hCompact$2,728$227
Lincoln CorsairCompact$2,762$230
Mercedes-Benz GLB 250Compact$2,768$231
Lexus UX 250hCompact$2,774$231
Lexus NX 450hCompact$2,790$233
Infiniti QX50Midsize$2,812$234
Mercedes-Benz GLA250Compact$2,820$235
Cadillac XT6Midsize$2,830$236
Mercedes-Benz GLA35 AMGCompact$2,830$236
Infiniti QX60Midsize$2,846$237
Mercedes-Benz AMG GLB35Midsize$2,850$238
Land Rover EvoqueCompact$2,886$241
Acura MDXMidsize$2,890$241
Lexus NX 350Compact$2,900$242
Lexus RX 350Midsize$2,904$242

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 June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Rhode Island, with the Acura RDX ranking first at $2,420 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Rhode Island, with the Acura RDX ranking first at $2,420 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 $2,480 per year for full-coverage auto insurance.

Auto insurance in this segment starts at around $207 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 $2,480 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$2,480$207
Honda OdysseyMinivan$2,644$220
GMC SavanaFull-size Van$2,712$226
Ford TransitFull-size Van$2,716$226
Ram PromasterFull-size Van$2,790$233
Chrysler PacificaMinivan$2,858$238
Toyota SiennaMinivan$2,962$247
Kia CarnivalMinivan$2,990$249

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 June 26, 2025

Ranking of the cheapest midsize and large vans and minivans to insure in Rhode Island, with the Chevrolet Express ranking first at $2,480 per year.
Ranking of the cheapest midsize and large vans and minivans to insure in Rhode Island, with the Chevrolet Express ranking first at $2,480 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 $2,676 per year, the Toyota GR86 at $3,048 per year, and the Ford Mustang at $3,176 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 $3,456 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 $3,456 and $4,900 per year to insure in Rhode Island.

Car insurance rates in this segment for a safe driver starts at an average of $223 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 $223 per month and ending with the Porsche Taycan at $408 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$2,676$223
Toyota GR86Sports Car$3,048$254
Ford MustangSports Car$3,176$265
BMW Z4Sports Car$3,196$266
Subaru WRXSports Car$3,242$270
Toyota GR SupraSports Car$3,250$271
BMW M2Sports Car$3,344$279
Nissan ZSports Car$3,352$279
Lexus RC FSports Car$3,418$285
Subaru BRZSports Car$3,456$288
BMW M3Sports Car$3,654$305
Porsche 718Sports Car$3,726$311
Chevrolet CamaroSports Car$3,756$313
Chevrolet CorvetteSports Car$4,006$334
Aston Martin VantageExotic Car$4,048$337
Porsche 911Sports Car$4,146$346
BMW M4Sports Car$4,318$360
Lexus LC 500Sports Car$4,338$362
Jaguar F-TypeSports Car$4,564$380
Mercedes-Benz AMG GT53Sports Car$4,788$399

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 June 26, 2025

Ranking of the cheapest sports and exotic cars to insure in Rhode Island, with the Mazda MX-5 Miata ranking first at $2,676 per year.
Ranking of the cheapest sports and exotic cars to insure in Rhode Island, with the Mazda MX-5 Miata ranking first at $2,676 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 $2,652 per year and prices range from $2,200 to $6,024 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 June 26, 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$6,024$502
Safe Driver Age 20$5,240$437
At-fault Accidents Age 40$3,754$313
Low Deductibles Age 40$3,350$279
Safe Driver Age 30$2,814$235
Safe Driver Age 40$2,652$221
Safe Driver Age 50$2,372$198
High Deductibles Age 40$2,282$190
Safe Driver Age 60$2,210$184
Discount Rate Age 40$2,200$183

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 June 26, 2025

Toyota RAV4 insurance rates

Toyota RAV4 car insurance rates in Rhode Island range from $2,216 to $6,138 per year in the chart below. Toyota RAV4 insurance costs an average of $2,668 per year in Rhode Island or about $222 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 June 26, 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$6,138$512
Safe Driver Age 20$5,364$447
At-fault Accidents Age 40$3,786$316
Low Deductibles Age 40$3,454$288
Safe Driver Age 30$2,842$237
Safe Driver Age 40$2,668$222
Safe Driver Age 50$2,372$198
High Deductibles Age 40$2,264$189
Safe Driver Age 60$2,222$185
Discount Rate Age 40$2,216$185

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 June 26, 2025

Honda Pilot insurance rates

Average Honda Pilot insurance cost in Rhode Island ranges from $2,340 to $6,510 per year for the example driver risk profiles in the chart below, with average cost being $2,816 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 June 27, 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$6,510$543
Safe Driver Age 20$5,710$476
At-fault Accidents Age 40$3,988$332
Low Deductibles Age 40$3,726$311
Safe Driver Age 30$3,010$251
Safe Driver Age 40$2,816$235
Safe Driver Age 50$2,488$207
High Deductibles Age 40$2,352$196
Discount Rate Age 40$2,340$195
Safe Driver Age 60$2,334$195

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 June 27, 2025

Toyota Camry insurance rates

Average Toyota Camry insurance rates in Rhode Island as shown in the chart below range from $2,584 to $7,144 per year, with the average cost being $3,108.

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 June 26, 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$7,144$595
Safe Driver Age 20$6,264$522
At-fault Accidents Age 40$4,382$365
Low Deductibles Age 40$4,128$344
Safe Driver Age 30$3,324$277
Safe Driver Age 40$3,108$259
Safe Driver Age 50$2,744$229
High Deductibles Age 40$2,586$216
Discount Rate Age 40$2,584$215
Safe Driver Age 60$2,572$214

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 June 26, 2025

Toyota GR Supra insurance rates

The average cost for Toyota GR Supra insurance in Rhode Island is $3,250 per year. The chart below shows rates ranging from $2,700 to $7,426 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 June 27, 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$6,750$563
Safe Driver Age 20$5,908$492
At-fault Accidents Age 40$4,156$346
Low Deductibles Age 40$3,850$321
Safe Driver Age 30$3,136$261
Safe Driver Age 40$2,938$245
Safe Driver Age 50$2,604$217
High Deductibles Age 40$2,470$206
Discount Rate Age 40$2,442$204
Safe Driver Age 60$2,436$203

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 June 27, 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.