- Rhode Island car insurance rates average $2,224 per year, or approximately $185 per month.
- When compared to nearby states, Rhode Island auto insurance rates rank last out of 11 other northeastern states, and it ranks 47th out of all 50 U.S. states.
- The cheapest car insurance in Rhode Island can be found on compact SUV models like the Nissan Rogue Sport, Chevrolet Trailblazer, Mazda CX-5, and Hyundai Venue.
What is average car insurance cost in Rhode Island?
Average car insurance rates in Rhode Island cost $2,224 per year, or about $185 per month, which is 25.1% more than the national average rate of $1,728 for all vehicles.
Average rates for some of the most popular vehicles in Rhode Island include the Honda Civic at an average cost of $2,178 per year, the Ford Escape at $2,040, the Toyota Tacoma at $2,034, the Honda CR-V at $1,884, and the Jeep Wrangler at $2,462 per year.
Luxury cars and SUVs like the Infiniti QX50, the BMW 330i, and the Volvo XC90 cost an average of $2,060, $2,260, and $2,296 per year, respectively, for full-coverage car insurance.
The chart below shows average auto insurance cost in Rhode Island for all 2023 models. Rates are averaged for all Rhode Island Zip Codes and rated for driver ages 20 through 60 and for different policy deductibles.
Rhode Island auto insurance rates in the chart above range from $1,682 per year for a 60-year-old driver with $1,000 deductibles to $5,144 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 $140 to $429 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 $2,022 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 $586 for a 40-year-old driver.
- Qualifying for many discounts could save as much as $690 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 $286 per year.
- An at-fault auto accident could increase rates by as much as $914 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 67.6% more than Maine, 12.6% more than Massachusetts, 10.4% more than Connecticut, and 58.5% 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 18.9% more expensive than Georgia, 33.5% more per year than Illinois, 2.4% more than California, 64.3% more than North Carolina, and 6.5% 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 2023 Nissan Rogue in Rhode Island cost $2,046 per year. In comparison, this rate is:
- $832 per year more expensive than in Vermont ($1,214)
- $128 per year more expensive than in New York ($1,918)
- $204 per year more expensive than in Connecticut ($1,842)
- $44 per year more expensive than in New Jersey ($2,002)
- $164 per year more expensive than in Delaware ($1,882)
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.
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 insurance – Subaru Impreza at $1,842 per year or $154 per month
- Cheapest compact SUV insurance – Chevrolet Trailblazer at $1,682 per year or $140 per month
- Cheapest midsize car insurance – Subaru Legacy at $2,048 per year or $171 per month
- Cheapest midsize SUV insurance – Honda Passport at $1,730 per year or $144 per month
- Cheapest full-size car insurance – Chrysler 300 at $2,168 per year or $181 per month
- Cheapest full-size SUV insurance – Chevrolet Tahoe at $2,084 per year or $174 per month
- Cheapest midsize pickup insurance – Ford Maverick at $1,846 per year or $154 per month
- Cheapest full-size pickup insurance – Nissan Titan at $2,200 per year or $183 per month
- Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $2,280 per year or $190 per month
- Cheapest minivan insurance – Honda Odyssey at $2,032 per year or $169 per month
- Cheapest sports car insurance – Mazda MX-5 Miata at $2,056 per year or $171 per month
- Cheapest compact luxury car insurance – Acura Integra at $1,996 per year or $166 per month
- Cheapest compact luxury SUV insurance – Acura RDX at $1,856 per year or $155 per month
- Cheapest midsize luxury car insurance – Cadillac CT5 at $2,394 per year or $200 per month
- Cheapest midsize luxury SUV insurance – Lexus RX 350 at $1,992 per year or $166 per month
- Cheapest full-size luxury car insurance – Audi A5 at $2,496 per year or $208 per month
- Cheapest full-size luxury SUV insurance – Volvo XC90 at $2,296 per year or $191 per month
Cheapest car insurance in Rhode Island
The cheapest non-luxury two and four door cars to insure in Rhode Island are the Subaru Impreza at $1,842 per year, the Volkswagen Jetta at $2,032 per year, and the Subaru Legacy at $2,048 per year.
Also ranking well in our comparison are models like the Kia K5, Volkswagen Golf, Toyota Camry, and Toyota Prius, with average cost of $2,146 per year or less.
Ranked from 10th to 20th place, cars like the Chrysler 300, Nissan Leaf, Tesla Model 3, Volkswagen Arteon, and Toyota Crown cost between $2,146 and $2,334 per year for full-coverage insurance.
Auto insurance rates in this segment will start around $154 per month, depending on your location and insurance company.
The cheapest non-luxury compact car to insure in Rhode Island is the Subaru Impreza at $1,842 per year. For midsize models, the Subaru Legacy is cheapest to insure at $2,048 per year. And for full-size non-luxury cars, the Chrysler 300 has the most affordable rates at $2,168 per year.
The table below ranks the cars with the cheapest auto insurance rates in Rhode Island, starting with the Subaru Impreza at $1,842 per year and ending with the Volkswagen Arteon at $2,334 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Subaru Impreza | Compact | $1,842 | $154 |
| Volkswagen Jetta | Compact | $2,032 | $169 |
| Subaru Legacy | Midsize | $2,048 | $171 |
| Nissan Sentra | Compact | $2,064 | $172 |
| Toyota Corolla | Compact | $2,088 | $174 |
| Volkswagen Golf | Compact | $2,092 | $174 |
| Toyota Prius | Compact | $2,098 | $175 |
| Toyota Camry | Midsize | $2,116 | $176 |
| Mazda 3 | Compact | $2,134 | $178 |
| Kia K5 | Midsize | $2,146 | $179 |
| Chevrolet Malibu | Midsize | $2,166 | $181 |
| Chrysler 300 | Full-size | $2,168 | $181 |
| Honda Civic | Compact | $2,178 | $182 |
| Kia Forte | Compact | $2,184 | $182 |
| Mitsubishi Mirage G4 | Compact | $2,192 | $183 |
| Nissan Leaf | Compact | $2,242 | $187 |
| Honda Accord | Midsize | $2,248 | $187 |
| Toyota Crown | Midsize | $2,260 | $188 |
| Tesla Model 3 | Midsize | $2,274 | $190 |
| Volkswagen Arteon | Midsize | $2,334 | $195 |
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 Chevrolet Trailblazer at $1,682 per year, Subaru Crosstrek at $1,700 per year, Nissan Kicks at $1,706 per year, and Honda Passport at $1,730 per year.
Also ranking well are SUVs like the Mazda CX-5, Kia Seltos, Buick Envision, and Subaru Ascent, with an average cost of $1,810 per year or less.
In the lower half of the top 20 SUVs to insure, SUVs like the Volkswagen Atlas, Ford Edge, Ford Explorer, Honda CR-V, and Honda HR-V average between $1,810 and $1,910 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 $140 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 Chevrolet Trailblazer at $140 per month and ending with the Chevrolet Trax at $159 per month.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Trailblazer | Compact | $1,682 | $140 |
| Subaru Crosstrek | Compact | $1,700 | $142 |
| Nissan Kicks | Compact | $1,706 | $142 |
| Honda Passport | Midsize | $1,730 | $144 |
| Nissan Rogue Sport | Compact | $1,734 | $145 |
| Mazda CX-5 | Compact | $1,750 | $146 |
| Buick Encore | Compact | $1,772 | $148 |
| Buick Envision | Compact | $1,780 | $148 |
| Kia Seltos | Compact | $1,802 | $150 |
| Subaru Ascent | Midsize | $1,810 | $151 |
| Hyundai Venue | Compact | $1,816 | $151 |
| Honda HR-V | Compact | $1,848 | $154 |
| Hyundai Kona | Compact | $1,866 | $156 |
| Subaru Forester | Compact | $1,878 | $157 |
| Honda CR-V | Compact | $1,884 | $157 |
| Ford Edge | Midsize | $1,886 | $157 |
| Mazda CX-30 | Compact | $1,892 | $158 |
| Ford Explorer | Midsize | $1,896 | $158 |
| Volkswagen Atlas | Midsize | $1,900 | $158 |
| Chevrolet Trax | Compact | $1,910 | $159 |
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 Ford Maverick at $1,846 per year, Chevrolet Colorado at $1,852 per year, Nissan Frontier at $1,920 per year, and Ford Ranger at $1,976 per year.
Also ranking well are pickups like the Ford F150, Toyota Tacoma, Hyundai Santa Cruz, and Honda Ridgeline, with average insurance cost of $2,260 per year or less.
Car insurance rates in Rhode Island for this segment for a good driver starts at an average of $154 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 Ford Maverick at $154 per month and ending with the Nissan Titan XD at $207 per month.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Ford Maverick | Midsize | $1,846 | $154 |
| Chevrolet Colorado | Midsize | $1,852 | $154 |
| Nissan Frontier | Midsize | $1,920 | $160 |
| Ford Ranger | Midsize | $1,976 | $165 |
| GMC Canyon | Midsize | $2,020 | $168 |
| Toyota Tacoma | Midsize | $2,034 | $170 |
| Hyundai Santa Cruz | Midsize | $2,068 | $172 |
| Nissan Titan | Full-size | $2,200 | $183 |
| Honda Ridgeline | Midsize | $2,210 | $184 |
| Ford F150 | Full-size | $2,260 | $188 |
| GMC Sierra 2500 HD | Heavy Duty | $2,280 | $190 |
| Jeep Gladiator | Midsize | $2,314 | $193 |
| Toyota Tundra | Full-size | $2,338 | $195 |
| GMC Sierra 3500 | Heavy Duty | $2,350 | $196 |
| GMC Sierra | Full-size | $2,428 | $202 |
| Ram Truck | Full-size | $2,432 | $203 |
| Chevrolet Silverado | Full-size | $2,436 | $203 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,442 | $204 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,444 | $204 |
| Nissan Titan XD | Heavy Duty | $2,486 | $207 |
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, Cadillac CT4, BMW 330i, Genesis G70, and Acura TLX. Auto insurance quotes for these 2023 models average $198 or less per month.
Not the cheapest, but still in the top 10, are cars like the BMW 228i, Lexus ES 250, Lexus ES 350, and BMW 330e, with average rates of $2,418 per year or less.
Additional 2023 luxury models on the list include the Audi S3, Mercedes-Benz AMG CLA45, Mercedes-Benz AMG CLA35, Audi A3, and Mercedes-Benz C300, which average between $2,418 and $2,486 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 $166 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 $1,996 per year, or $166 per month. For midsize 2023 models, the Cadillac CT5 has the best rates at $2,394 per year, or $200 per month. And for large luxury cars, the Audi A5 has the cheapest car insurance rates at $2,496 per year, or $208 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 $1,996 per year ($166 per month) and ending with the Volvo S60 at $2,486 per year ($207 per month).
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura Integra | Compact | $1,996 | $166 |
| BMW 330i | Compact | $2,260 | $188 |
| Acura TLX | Compact | $2,296 | $191 |
| Cadillac CT4 | Compact | $2,322 | $194 |
| Genesis G70 | Compact | $2,370 | $198 |
| Cadillac CT5 | Midsize | $2,394 | $200 |
| Lexus ES 350 | Midsize | $2,398 | $200 |
| BMW 330e | Compact | $2,408 | $201 |
| Lexus ES 250 | Midsize | $2,414 | $201 |
| BMW 228i | Compact | $2,418 | $202 |
| Lexus RC 300 | Midsize | $2,420 | $202 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,426 | $202 |
| Audi A3 | Midsize | $2,432 | $203 |
| BMW 230i | Compact | $2,436 | $203 |
| Mercedes-Benz C300 | Compact | $2,452 | $204 |
| Audi A4 | Compact | $2,462 | $205 |
| Lexus RC 350 | Compact | $2,472 | $206 |
| Audi S3 | Compact | $2,482 | $207 |
| Mercedes-Benz AMG CLA45 | Midsize | $2,482 | $207 |
| Volvo S60 | Compact | $2,486 | $207 |
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 $1,856 per year, the Lexus RX 350 at $1,992 per year, and the Cadillac XT4 at $2,008 per year.
Not the cheapest, but still in the top 10, are SUVs like the Mercedes-Benz GLB 250, Lexus UX 250h, Cadillac XT6, and Mercedes-Benz GLA250, with an average car insurance cost of $2,166 per year or less.
Car insurance for this segment in Rhode Island for the average driver can cost as low as $155 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 $1,856 per year. For midsize luxury models, the Lexus RX 350 is the cheapest model to insure at $1,992 per year. And for full-size luxury SUVs, the Volvo XC90 has the cheapest rates at $2,296 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 $1,856 per year and ending with the Mercedes-Benz GLC300 at $2,266 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura RDX | Compact | $1,856 | $155 |
| Lexus RX 350 | Midsize | $1,992 | $166 |
| Cadillac XT4 | Compact | $2,008 | $167 |
| Volvo XC40 | Compact | $2,048 | $171 |
| Infiniti QX50 | Midsize | $2,060 | $172 |
| Lexus UX 250h | Compact | $2,080 | $173 |
| Cadillac XT5 | Midsize | $2,114 | $176 |
| Mercedes-Benz GLA250 | Compact | $2,160 | $180 |
| Cadillac XT6 | Midsize | $2,166 | $181 |
| Mercedes-Benz GLB 250 | Compact | $2,166 | $181 |
| Lexus NX 250 | Compact | $2,194 | $183 |
| Acura MDX | Midsize | $2,214 | $185 |
| Lexus NX 350h | Compact | $2,220 | $185 |
| Lexus NX 350 | Compact | $2,234 | $186 |
| Lincoln Corsair | Compact | $2,238 | $187 |
| Lexus NX 450h | Compact | $2,244 | $187 |
| Lincoln Nautilus | Midsize | $2,252 | $188 |
| BMW X1 | Compact | $2,256 | $188 |
| Alfa Romeo Tonale | Compact | $2,262 | $189 |
| Mercedes-Benz GLC300 | Compact | $2,266 | $189 |
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 Ford Transit Connect, Honda Odyssey, Ford Transit, and GMC Savana. The 2023 model averages $1,914 per year for full-coverage auto insurance.
Additional models that have cheaper rates are the Ram Promaster, Toyota Sienna, Chrysler Pacifica, and Kia Carnival, with average rates of $2,284 per year or less.
Auto insurance in this segment starts at around $160 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 $1,914 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Express | Full-size Van | $1,914 | $160 |
| Ford Transit Connect | Midsize Van | $1,938 | $162 |
| Honda Odyssey | Minivan | $2,032 | $169 |
| Ford Transit | Full-size Van | $2,086 | $174 |
| GMC Savana | Full-size Van | $2,088 | $174 |
| Ram Promaster | Full-size Van | $2,156 | $180 |
| Chrysler Pacifica | Minivan | $2,180 | $182 |
| Kia Carnival | Minivan | $2,228 | $186 |
| Toyota Sienna | Minivan | $2,284 | $190 |
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 $2,056 per year, the Audi TT at $2,306 per year, and the Ford Mustang at $2,416 per year.
Also ranking well are models like the Subaru BRZ, BMW M2, Toyota GR86, and Nissan Z, with an average cost of $2,684 per year or less.
Ranking between positions 10 and 20, models like the Mercedes-Benz AMG GT53, Lexus LC 500, Lexus RC F, Jaguar F-Type, BMW M3, and Chevrolet Corvette cost between $2,684 and $3,344 per year to insure in Rhode Island.
Car insurance rates in this segment for a safe driver starts at an average of $171 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 $171 per month and ending with the Lexus LC 500 at $279 per month.
| Make/Model | Vehicle Type | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,056 | $171 |
| Audi TT | Sports Car | $2,306 | $192 |
| Ford Mustang | Sports Car | $2,416 | $201 |
| BMW Z4 | Sports Car | $2,430 | $203 |
| Subaru WRX | Sports Car | $2,458 | $205 |
| Nissan Z | Sports Car | $2,494 | $208 |
| Toyota GR Supra | Sports Car | $2,534 | $211 |
| Toyota GR86 | Sports Car | $2,568 | $214 |
| BMW M2 | Sports Car | $2,584 | $215 |
| Subaru BRZ | Sports Car | $2,684 | $224 |
| Chevrolet Corvette | Sports Car | $2,744 | $229 |
| BMW M3 | Sports Car | $2,804 | $234 |
| Lexus RC F | Sports Car | $2,864 | $239 |
| Porsche 718 | Sports Car | $2,866 | $239 |
| Chevrolet Camaro | Sports Car | $2,910 | $243 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,088 | $257 |
| Jaguar F-Type | Sports Car | $3,192 | $266 |
| Porsche Taycan | Sports Car | $3,264 | $272 |
| BMW M4 | Sports Car | $3,306 | $276 |
| Lexus LC 500 | Sports Car | $3,344 | $279 |
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 $2,064 per year and prices range from $1,714 to $4,612 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.
Toyota RAV4 insurance rates
Toyota RAV4 car insurance rates in Rhode Island range from $1,712 to $4,682 per year in the chart below. Toyota RAV4 insurance costs an average of $2,060 per year in Rhode Island or about $172 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.
Honda Pilot insurance rates
Average Honda Pilot insurance cost in Rhode Island ranges from $1,776 to $4,896 per year for the example driver risk profiles in the chart below, with average cost being $2,140 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.
Toyota Camry insurance rates
Average Toyota Camry insurance rates in Rhode Island as shown in the chart below range from $1,758 to $4,792 per year, with the average cost being $2,116.
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.
Toyota GR Supra insurance rates
The average cost for Toyota GR Supra insurance in Rhode Island is $2,534 per year. The chart below shows rates ranging from $2,104 to $5,730 per year for a 2023 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 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.
- Providence Car Insurance - $2,970 per year or $248 per month
- Warwick Car Insurance - $2,346 per year or $196 per month
- Cranston Car Insurance - $2,792 per year or $233 per month
- Pawtucket Car Insurance - $2,638 per year or $220 per month
- East Providence Car Insurance - $2,516 per year or $210 per month