- Rhode Island car insurance rates average $2,186 per year, or approximately $182 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 $2,186 per year, or about $182 per month, which is 25.9% more than the national average rate of $1,685 for all vehicles.
Average rates for some of the most popular vehicles in Rhode Island include the Honda Civic at an average cost of $2,142 per year, the Ford Escape at $2,004, the Toyota Tacoma at $1,998, the Honda CR-V at $1,854, and the Jeep Wrangler at $2,422 per year.
Luxury cars and SUVs like the Infiniti QX50, the BMW 330i, and the Volvo XC90 cost an average of $2,026, $2,220, and $2,256 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 $1,652 per year for a 60-year-old driver with $1,000 deductibles to $5,052 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 $138 to $421 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 $1,986 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 $578 for a 40-year-old driver.
- Qualifying for many discounts could save as much as $676 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 $280 per year.
- An at-fault auto accident could increase rates by as much as $898 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 69.2% more than Maine, 12.9% more than Massachusetts, 10.6% more than Connecticut, and 59.6% 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 19.3% more expensive than Georgia, 34.3% more per year than Illinois, 2.4% more than California, 66.1% more than North Carolina, and 6.8% 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 $2,012 per year. In comparison, this rate is:
- $832 per year more expensive than in Vermont ($1,180)
- $132 per year more expensive than in New York ($1,880)
- $202 per year more expensive than in Connecticut ($1,810)
- $48 per year more expensive than in New Jersey ($1,964)
- $166 per year more expensive than in Delaware ($1,846)
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 $1,810 per year or $151 per month
- Cheapest compact SUV insurance – Chevrolet Trailblazer at $1,656 per year or $138 per month
- Cheapest midsize car insurance – Subaru Legacy at $2,014 per year or $168 per month
- Cheapest midsize SUV insurance – Honda Passport at $1,700 per year or $142 per month
- Cheapest full-size car insurance – Chrysler 300 at $2,134 per year or $178 per month
- Cheapest full-size SUV insurance – Chevrolet Tahoe at $2,048 per year or $171 per month
- Cheapest midsize pickup insurance – Ford Maverick at $1,814 per year or $151 per month
- Cheapest full-size pickup insurance – Nissan Titan at $2,164 per year or $180 per month
- Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $2,240 per year or $187 per month
- Cheapest minivan insurance – Honda Odyssey at $1,998 per year or $167 per month
- Cheapest sports car insurance – Mazda MX-5 Miata at $2,020 per year or $168 per month
- Cheapest compact luxury car insurance – Acura Integra at $1,964 per year or $164 per month
- Cheapest compact luxury SUV insurance – Acura RDX at $1,826 per year or $152 per month
- Cheapest midsize luxury car insurance – Cadillac CT5 at $2,352 per year or $196 per month
- Cheapest midsize luxury SUV insurance – Lexus RX 350 at $1,956 per year or $163 per month
- Cheapest full-size luxury car insurance – Audi A5 at $2,454 per year or $205 per month
- Cheapest full-size luxury SUV insurance – Volvo XC90 at $2,256 per year or $188 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 $1,810 per year, the Volkswagen Jetta at $1,998 per year, and the Subaru Legacy at $2,014 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 $2,110 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 $2,110 and $2,294 per year for full-coverage insurance.
Auto insurance rates in this segment will start around $151 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 $1,810 per year. For midsize models, the Subaru Legacy is cheapest to insure at $2,014 per year. And for full-size non-luxury cars, the Chrysler 300 has the most affordable rates at $2,134 per year.
The table below ranks the cars with the cheapest auto insurance rates in Rhode Island, starting with the Subaru Impreza at $1,810 per year and ending with the Volkswagen Arteon at $2,294 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Subaru Impreza | Compact | $1,810 | $151 |
| Volkswagen Jetta | Compact | $1,998 | $167 |
| Subaru Legacy | Midsize | $2,014 | $168 |
| Nissan Sentra | Compact | $2,028 | $169 |
| Toyota Corolla | Compact | $2,052 | $171 |
| Volkswagen Golf | Compact | $2,058 | $172 |
| Toyota Prius | Compact | $2,060 | $172 |
| Toyota Camry | Midsize | $2,080 | $173 |
| Mazda 3 | Compact | $2,096 | $175 |
| Kia K5 | Midsize | $2,110 | $176 |
| Chevrolet Malibu | Midsize | $2,128 | $177 |
| Chrysler 300 | Full-size | $2,134 | $178 |
| Honda Civic | Compact | $2,142 | $179 |
| Kia Forte | Compact | $2,146 | $179 |
| Mitsubishi Mirage G4 | Compact | $2,154 | $180 |
| Nissan Leaf | Compact | $2,204 | $184 |
| Honda Accord | Midsize | $2,208 | $184 |
| Toyota Crown | Midsize | $2,222 | $185 |
| Tesla Model 3 | Midsize | $2,236 | $186 |
| Volkswagen Arteon | Midsize | $2,294 | $191 |
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 $1,656 per year, Subaru Crosstrek at $1,670 per year, Nissan Kicks at $1,676 per year, and Honda Passport at $1,700 per year.
Also ranking well are SUVs like the Mazda CX-5, Kia Seltos, Buick Envision, and Subaru Ascent, with an average cost of $1,778 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 $1,778 and $1,878 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 $138 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 $138 per month and ending with the Chevrolet Trax at $157 per month.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Trailblazer | Compact | $1,656 | $138 |
| Subaru Crosstrek | Compact | $1,670 | $139 |
| Nissan Kicks | Compact | $1,676 | $140 |
| Honda Passport | Midsize | $1,700 | $142 |
| Nissan Rogue Sport | Compact | $1,706 | $142 |
| Mazda CX-5 | Compact | $1,718 | $143 |
| Buick Encore | Compact | $1,744 | $145 |
| Buick Envision | Compact | $1,748 | $146 |
| Kia Seltos | Compact | $1,772 | $148 |
| Subaru Ascent | Midsize | $1,778 | $148 |
| Hyundai Venue | Compact | $1,784 | $149 |
| Honda HR-V | Compact | $1,816 | $151 |
| Hyundai Kona | Compact | $1,834 | $153 |
| Subaru Forester | Compact | $1,844 | $154 |
| Ford Edge | Midsize | $1,854 | $155 |
| Honda CR-V | Compact | $1,854 | $155 |
| Mazda CX-30 | Compact | $1,858 | $155 |
| Ford Explorer | Midsize | $1,862 | $155 |
| Volkswagen Atlas | Midsize | $1,868 | $156 |
| Chevrolet Trax | Compact | $1,878 | $157 |
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 $1,814 per year, Chevrolet Colorado at $1,820 per year, Nissan Frontier at $1,888 per year, and Ford Ranger at $1,940 per year.
Also ranking well are pickups like the Ford F150, Toyota Tacoma, Hyundai Santa Cruz, and Honda Ridgeline, with average insurance cost of $2,222 per year or less.
Car insurance rates in Rhode Island for this segment for a good driver starts at an average of $151 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 $151 per month and ending with the Nissan Titan XD at $204 per month.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Ford Maverick | Midsize | $1,814 | $151 |
| Chevrolet Colorado | Midsize | $1,820 | $152 |
| Nissan Frontier | Midsize | $1,888 | $157 |
| Ford Ranger | Midsize | $1,940 | $162 |
| GMC Canyon | Midsize | $1,986 | $166 |
| Toyota Tacoma | Midsize | $1,998 | $167 |
| Hyundai Santa Cruz | Midsize | $2,032 | $169 |
| Nissan Titan | Full-size | $2,164 | $180 |
| Honda Ridgeline | Midsize | $2,170 | $181 |
| Ford F150 | Full-size | $2,222 | $185 |
| GMC Sierra 2500 HD | Heavy Duty | $2,240 | $187 |
| Jeep Gladiator | Midsize | $2,274 | $190 |
| Toyota Tundra | Full-size | $2,298 | $192 |
| GMC Sierra 3500 | Heavy Duty | $2,310 | $193 |
| GMC Sierra | Full-size | $2,386 | $199 |
| Chevrolet Silverado | Full-size | $2,390 | $199 |
| Ram Truck | Full-size | $2,390 | $199 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,398 | $200 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,404 | $200 |
| Nissan Titan XD | Heavy Duty | $2,442 | $204 |
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 $194 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 $2,376 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 $2,376 and $2,444 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 $164 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 $1,964 per year, or $164 per month. For midsize 2023 models, the Cadillac CT5 has the best rates at $2,352 per year, or $196 per month. And for large luxury cars, the Audi A5 has the cheapest car insurance rates at $2,454 per year, or $205 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 $1,964 per year ($164 per month) and ending with the Volvo S60 at $2,444 per year ($204 per month).
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura Integra | Compact | $1,964 | $164 |
| BMW 330i | Compact | $2,220 | $185 |
| Acura TLX | Compact | $2,256 | $188 |
| Cadillac CT4 | Compact | $2,284 | $190 |
| Genesis G70 | Compact | $2,330 | $194 |
| Cadillac CT5 | Midsize | $2,352 | $196 |
| Lexus ES 350 | Midsize | $2,356 | $196 |
| BMW 330e | Compact | $2,366 | $197 |
| Lexus ES 250 | Midsize | $2,372 | $198 |
| BMW 228i | Compact | $2,376 | $198 |
| Lexus RC 300 | Midsize | $2,378 | $198 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,384 | $199 |
| Audi A3 | Midsize | $2,390 | $199 |
| BMW 230i | Compact | $2,394 | $200 |
| Mercedes-Benz C300 | Compact | $2,412 | $201 |
| Audi A4 | Compact | $2,422 | $202 |
| Lexus RC 350 | Compact | $2,426 | $202 |
| Audi S3 | Compact | $2,440 | $203 |
| Mercedes-Benz AMG CLA45 | Midsize | $2,440 | $203 |
| Volvo S60 | Compact | $2,444 | $204 |
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 $1,826 per year, the Lexus RX 350 at $1,956 per year, and the Cadillac XT4 at $1,972 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 $2,128 per year or less.
Car insurance for this segment in Rhode Island for the average driver can cost as low as $152 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 $1,826 per year. For midsize luxury models, the Lexus RX 350 is the cheapest model to insure at $1,956 per year. And for full-size luxury SUVs, the Volvo XC90 has the cheapest rates at $2,256 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 $1,826 per year and ending with the Mercedes-Benz GLC300 at $2,228 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura RDX | Compact | $1,826 | $152 |
| Lexus RX 350 | Midsize | $1,956 | $163 |
| Cadillac XT4 | Compact | $1,972 | $164 |
| Volvo XC40 | Compact | $2,010 | $168 |
| Infiniti QX50 | Midsize | $2,026 | $169 |
| Lexus UX 250h | Compact | $2,046 | $171 |
| Cadillac XT5 | Midsize | $2,078 | $173 |
| Mercedes-Benz GLA250 | Compact | $2,122 | $177 |
| Cadillac XT6 | Midsize | $2,128 | $177 |
| Mercedes-Benz GLB 250 | Compact | $2,128 | $177 |
| Lexus NX 250 | Compact | $2,156 | $180 |
| Acura MDX | Midsize | $2,178 | $182 |
| Lexus NX 350h | Compact | $2,180 | $182 |
| Lexus NX 350 | Compact | $2,196 | $183 |
| Lincoln Corsair | Compact | $2,198 | $183 |
| Lexus NX 450h | Compact | $2,202 | $184 |
| Lincoln Nautilus | Midsize | $2,214 | $185 |
| BMW X1 | Compact | $2,216 | $185 |
| Alfa Romeo Tonale | Compact | $2,220 | $185 |
| Mercedes-Benz GLC300 | Compact | $2,228 | $186 |
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 $1,880 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 $2,244 per year or less.
Auto insurance in this segment starts at around $157 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 $1,880 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Express | Full-size Van | $1,880 | $157 |
| Ford Transit Connect | Midsize Van | $1,906 | $159 |
| Honda Odyssey | Minivan | $1,998 | $167 |
| Ford Transit | Full-size Van | $2,048 | $171 |
| GMC Savana | Full-size Van | $2,054 | $171 |
| Ram Promaster | Full-size Van | $2,124 | $177 |
| Chrysler Pacifica | Minivan | $2,142 | $179 |
| Kia Carnival | Minivan | $2,192 | $183 |
| Toyota Sienna | Minivan | $2,244 | $187 |
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 $2,020 per year, the Audi TT at $2,266 per year, and the Ford Mustang at $2,372 per year.
Also ranking well are models like the Subaru BRZ, BMW M2, Toyota GR86, and Nissan Z, with an average cost of $2,636 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 $2,636 and $3,286 per year to insure in Rhode Island.
Car insurance rates in this segment for a safe driver starts at an average of $168 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 $168 per month and ending with the Lexus LC 500 at $274 per month.
| Make/Model | Vehicle Type | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $2,020 | $168 |
| Audi TT | Sports Car | $2,266 | $189 |
| Ford Mustang | Sports Car | $2,372 | $198 |
| BMW Z4 | Sports Car | $2,388 | $199 |
| Subaru WRX | Sports Car | $2,414 | $201 |
| Nissan Z | Sports Car | $2,452 | $204 |
| Toyota GR Supra | Sports Car | $2,490 | $208 |
| BMW M2 | Sports Car | $2,522 | $210 |
| Toyota GR86 | Sports Car | $2,522 | $210 |
| Subaru BRZ | Sports Car | $2,636 | $220 |
| Chevrolet Corvette | Sports Car | $2,696 | $225 |
| BMW M3 | Sports Car | $2,756 | $230 |
| Lexus RC F | Sports Car | $2,816 | $235 |
| Porsche 718 | Sports Car | $2,818 | $235 |
| Chevrolet Camaro | Sports Car | $2,862 | $239 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,034 | $253 |
| Jaguar F-Type | Sports Car | $3,142 | $262 |
| Porsche Taycan | Sports Car | $3,208 | $267 |
| BMW M4 | Sports Car | $3,248 | $271 |
| Lexus LC 500 | Sports Car | $3,286 | $274 |
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 $2,028 per year and prices range from $1,684 to $4,532 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 $1,686 to $4,600 per year in the chart below. Toyota RAV4 insurance costs an average of $2,026 per year in Rhode Island or about $169 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 $1,748 to $4,810 per year for the example driver risk profiles in the chart below, with average cost being $2,102 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 $1,728 to $4,712 per year, with the average cost being $2,080.
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 $2,490 per year. The chart below shows rates ranging from $2,068 to $5,630 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 - $2,928 per year or $244 per month
- Warwick Car Insurance - $2,308 per year or $192 per month
- Cranston Car Insurance - $2,754 per year or $230 per month
- Pawtucket Car Insurance - $2,600 per year or $217 per month
- East Providence Car Insurance - $2,476 per year or $206 per month
