Car Insurance in Providence, RI – 2025 Cheapest Rates + Rankings

How much are Providence auto insurance quotes? Get ready to find out as we break down rates for over 150 models to find us some cheap Providence car insurance.

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  • Providence car insurance cost averages $3,626 per year, or around $302 per month, for a full-coverage policy.
  • For cheap car insurance in Providence, small SUV models like the Subaru Crosstrek, Chevrolet Trailblazer, and Buick Envision rank well for overall auto insurance cost.
  • Models with the cheapest auto insurance in Providence for their respective segments include the Kia K5 ($3,492 per year), Chevrolet Tahoe ($3,406 per year), Acura RDX ($3,032 per year), and Toyota GR Corolla ($3,152 per year).
  • Auto insurance quotes in Providence can range significantly from as low as $26 per month for minimum liability limits to well over $716 per month for teenage drivers and high-risk drivers.

How much does car insurance cost in Providence?

Average auto insurance cost in Providence is $3,626 per year, which is 48.1% more than the overall U.S. national average rate of $2,221. Car insurance in Providence per month costs approximately $302 per month for full coverage.

In the state of Rhode Island, average auto insurance cost is $2,892 per year, so the average cost in Providence is $734 more per year. When compared to other locations in Rhode Island, the average cost to insure a car in Providence is approximately $448 per year more expensive than in East Providence, $614 per year more than in Warwick, and $176 per year more than in Cranston.

The age of the rated driver significantly impacts the price of auto insurance, so the list below illustrates this by showing the difference in average car insurance rates for drivers from 16 to 60.

Average cost of car insurance in Providence for drivers age 16 to 60

  • 16 year old – $12,914 per year or $1,076 per month
  • 17 year old – $12,511 per year or $1,043 per month
  • 18 year old – $11,212 per year or $934 per month
  • 19 year old – $10,212 per year or $851 per month
  • 20 year old – $7,296 per year or $608 per month
  • 30 year old – $3,868 per year or $322 per month
  • 40 year old – $3,626 per year or $302 per month
  • 50 year old – $3,214 per year or $268 per month
  • 60 year old – $3,008 per year or $251 per month

The chart below shows examples of average Providence car insurance cost. Rates are averaged for all Providence Zip Codes and shown based on a number of different driver ages, risk profiles, and policy deductibles.

Average car insurance rates in Providence for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Providence for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year 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 car insurance cost in Providence includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Providence, RI
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$8,336$695
Safe Driver Age 20$7,296$608
At-fault Accidents Age 40$5,134$428
Low Deductibles Age 40$4,744$395
Safe Driver Age 30$3,868$322
Safe Driver Age 40$3,626$302
Safe Driver Age 50$3,214$268
High Deductibles Age 40$3,048$254
Discount Rate Age 40$3,012$251
Safe Driver Age 60$3,008$251

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. Updated June 27, 2025

Average rates in the chart above range from $3,012 per year for a 40-year-old driver who qualifies for most policy discounts to $8,336 per year for a 20-year-old driver with too many violations and accidents. In this article, the rate used to compare the cost between models and locations is the 40-year-old safe driver rate, which has an average cost of $3,626 per year in Providence.

As a monthly amount, the average cost to insure a car in Providence ranges from $251 to $695 for the risk profiles shown in the chart above.

Providence car insurance rates have extreme variability and small changes in personal situations can cause significant price changes. The likelihood of significant rate variability reinforces the need for accurate auto insurance quotes when trying to find more affordable car insurance.

The models that sell well in Providence tend to be compact or midsize cars like the Honda Civic and Kia K5 and small or midsize SUVs like the Toyota RAV4, Nissan Rogue, and Toyota Highlander.

A few additional popular models from different automotive segments include luxury cars like the Tesla Model S, Acura ILX, and Lexus ES 350, luxury SUVs like the Acura MDX, Lexus RX 350, and Infiniti QX60, and pickup trucks like the Ram 1500, Toyota Tacoma, and Ford F-150.

We explore rates for many more vehicles in a little bit, but before we do that, let’s quickly review the concepts we covered so far.

  • Low deductible car insurance costs more – A 30-year-old driver pays an average of $982 more per year for $250 deductibles compared to $1,000 deductibles.
  • Insurance rates decrease significantly from age 20 to 30 – The average 30-year-old Providence driver will pay $3,428 less each year than a 20-year-old driver, $3,868 versus $7,296.
  • Average car insurance cost per month ranges from $251 to $1,076 – That is the average car insurance price range for drivers age 16 to 60 in Providence.
  • Insurance for a teenager is expensive – Cost ranges from $8,633 to $12,914 per year to insure a teenager in Providence.
  • Car insurance costs less the older you are – Average rates for a 60-year-old driver in Providence are $4,288 per year cheaper than for a 20-year-old driver.
  • Providence average car insurance cost is more than the U.S. average – $3,626 (Providence average) versus $2,221 (U.S. average)

Which vehicles cost the least to insure in Providence?

From an overall standpoint, the models with the lowest cost average insurance quotes in Providence, RI, tend to be compact SUVs like the Chevrolet Trailblazer, Kia Soul, and Nissan Kicks. Average auto insurance rates for those models cost $2,946 or less per year ($246 per month) for full coverage car insurance.

Additional vehicles that are highly ranked in the cost comparison table below are the Volkswagen Tiguan, Honda HR-V, Volkswagen Taos, and Acura RDX.

The average rates are a little bit more for those models than the cheapest small SUVs and crossovers that rank near the top, but they still have an average insurance cost of $3,154 or less per year, or $263 per month in Providence.

The table below shows the 30 cars, trucks, and SUVs with the cheapest insurance rates in Providence, ordered by cost.

Top 30 Cheapest Auto Insurance Rates in Providence
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$2,680$223
2Chevrolet Trailblazer$2,726$227
3Kia Soul$2,832$236
4Nissan Kicks$2,856$238
5Honda Passport$2,888$241
6Buick Envision$2,906$242
7Toyota Corolla Cross$2,924$244
8Hyundai Venue$2,946$246
9Mazda CX-5$2,958$247
10Ford Bronco Sport$2,970$248
11Volkswagen Tiguan$3,002$250
12Acura RDX$3,032$253
13Nissan Murano$3,046$254
14Buick Encore$3,080$257
15Subaru Outback$3,090$258
16Honda CR-V$3,092$258
17Buick Envista$3,098$258
18Volkswagen Taos$3,104$259
19Kia Niro$3,124$260
20Toyota GR Corolla$3,152$263
21Honda HR-V$3,154$263
22Subaru Ascent$3,156$263
23Nissan Leaf$3,174$265
24Chevrolet Colorado$3,194$266
25Honda Civic$3,210$268
26Lexus NX 250$3,210$268
27Volkswagen Atlas$3,216$268
28Acura Integra$3,226$269
29Subaru Forester$3,228$269
30Volkswagen Atlas Cross Sport$3,232$269

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 Providence, RI Zip Codes. Updated June 27, 2025

Top 30 cheapest vehicles to insure in Providence, RI with the Subaru Crosstrek ranking first at $2,680 per year
Top 30 cheapest vehicles to insure in Providence, RI with the Subaru Crosstrek ranking first at $2,680 per year

A list of 30 vehicles with the cheapest insurance in Providence is not really the best way to show the full picture of the cost of auto insurance. Due to the fact that we track over 700 vehicles, less than 4% of makes and models are shown in the table. Let’s take a different approach and reorganize the models with the cheapest rates in a more sensible format.

The section below goes into detail about the cost of insurance based on different automotive segments. The rates shown in the chart should provide a better idea of which automotive segments have the overall most affordable auto insurance rates in Providence. If you read beyond the chart, the next six sections rank the top 20 cheapest models for each segment.

Providence auto insurance rates by vehicle segment

When shopping for a new or used vehicle, it’s a good idea to have a basic understanding of which kinds of vehicles have more affordable car insurance rates in Providence. As an example, maybe you want to know if midsize SUVs have cheaper auto insurance than full-size SUVs or if luxury models cost more to insure than regular vehicles.

The next chart displays average car insurance cost by vehicle segment in Providence. From a segment comparison perspective, small SUVs, vans, and midsize pickups have the most affordable average auto insurance rates, while large luxury, performance, and sports cars have the most expensive overall car insurance rates.

Car insurance average cost by automotive segment in Providence, RI.
Figure 2: Car insurance average cost by automotive segment in Providence, RI. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Providence Zip Codes.

Car Insurance Rates by Automotive Segment in Providence, RI
Automotive Segment Annual Premium Cost Per Month
Compact SUV$3,332$278
Midsize SUV$3,580$298
Compact Car$3,584$299
Minivan$3,588$299
Midsize Pickup$3,658$305
Midsize Car$3,698$308
Compact Luxury SUV$3,930$328
Compact Luxury Car$3,990$333
Large SUV$4,002$334
Half-ton Pickup$4,020$335
Heavy Duty Pickup$4,170$348
Midsize Luxury SUV$4,304$359
Midsize Luxury Car$4,446$371
Sports Car$4,986$416
Large Car$5,214$435
Large Luxury SUV$5,612$468
Large Luxury Car$5,800$483

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 Providence, RI Zip Codes. Updated June 27, 2025

Average rates by segment are suitable for getting an initial comparison, but rates range significantly within each segment shown in the previous chart.

For example, in the small SUV segment, Providence insurance rates range from the Subaru Crosstrek at $2,680 per year for full coverage insurance to the Ford Mustang Mach-E at $4,240 per year, a difference of $1,560 within that segment.

In the large luxury SUV segment, the average insurance cost ranges from the Infiniti QX80 costing $4,066 per year to the Mercedes-Benz G63 AMG costing $7,792 per year, a difference of $3,726 within that segment.

In the next sections, we eliminate much of the variability by analyzing the cost of car insurance in Providence for individual vehicles.

Cheapest car insurance rates in Providence

Taking the top ranking in Providence for the lowest-cost average insurance in the sedan and hatchback segment is the Toyota GR Corolla, costing $3,152 per year. Second place is the Nissan Leaf at $3,174 per year, ranking third is the Honda Civic, costing an average of $3,210 per year, and the fourth cheapest is the Nissan Sentra, at an average of $3,322 per year.

Not the cheapest cars to insure, but still very reasonable, are cars like the Honda Accord, Chevrolet Malibu, Toyota Corolla, and Toyota Prius, with an average cost to insure of $3,532 per year or less.

In the lower half of the top 20 cars to insure, models like the Volkswagen Arteon, Hyundai Ioniq 6, Volkswagen Jetta, Toyota Crown, Subaru Legacy, and Hyundai Sonata cost between $3,532 and $3,748 per year for insurance in Providence.

As a cost per month, full-coverage insurance on this segment in Providence can cost as low as $263 per month, depending on your company and location.

If insurance rates are ranked by vehicle size, the most budget-friendly non-luxury compact car to insure in Providence is the Toyota GR Corolla at $3,152 per year, or $263 per month. For midsize cars, the Kia K5 has the cheapest rates at $3,492 per year, or $291 per month. And for large cars, the Chrysler 300 is most affordable to insure at $3,454 per year, or $288 per month.

The next table ranks the twenty cars with the cheapest average car insurance rates in Providence, starting with the Toyota GR Corolla at $263 per month and ending with the Mazda 3 at $312 per month.

Cheapest Insurance for Cars in Providence
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$3,152$263
Nissan LeafCompact$3,174$265
Honda CivicCompact$3,210$268
Nissan SentraCompact$3,322$277
Subaru ImprezaCompact$3,332$278
Toyota PriusCompact$3,390$283
Kia K5Midsize$3,492$291
Honda AccordMidsize$3,502$292
Chevrolet MalibuMidsize$3,516$293
Toyota CorollaCompact$3,532$294
Kia ForteCompact$3,540$295
Volkswagen ArteonMidsize$3,564$297
Nissan VersaCompact$3,572$298
Subaru LegacyMidsize$3,578$298
Hyundai Ioniq 6Midsize$3,610$301
Mitsubishi Mirage G4Compact$3,658$305
Volkswagen JettaCompact$3,668$306
Toyota CrownMidsize$3,670$306
Hyundai SonataMidsize$3,674$306
Mazda 3Compact$3,748$312

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 Providence, RI Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Providence, RI, with the Toyota GR Corolla ranking first at $3,152 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Providence, RI, with the Toyota GR Corolla ranking first at $3,152 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Looking for rates for a different vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Providence car insurance quotes from top-rated companies in Rhode Island.

Cheapest SUV insurance rates in Providence

The Subaru Crosstrek takes the #1 ranking as the cheapest SUV to insure in Providence, followed closely by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model averages $2,680 per year for full-coverage auto insurance.

Also ranking well in our comparison are SUVs like the Mazda CX-5, Hyundai Venue, Buick Envision, and Ford Bronco Sport, with an average cost to insure of $2,970 per year or less.

Ranked in the lower half of the top 20, models like the Buick Envista, Honda CR-V, Nissan Murano, Subaru Outback, Kia Niro, and Volkswagen Tiguan average between $2,970 and $3,156 per year to insure.

Car insurance for this segment in Providence for an average middle-age driver starts at an average of $223 per month, depending on the company. The rate comparison table below ranks the twenty SUVs with the lowest-cost average car insurance rates in Providence, starting with the Subaru Crosstrek at $2,680 per year ($223 per month) and ending with the Subaru Ascent at $3,156 per year ($263 per month).

Cheapest Insurance for SUVs in Providence
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$2,680$223
Chevrolet TrailblazerCompact$2,726$227
Kia SoulCompact$2,832$236
Nissan KicksCompact$2,856$238
Honda PassportMidsize$2,888$241
Buick EnvisionCompact$2,906$242
Toyota Corolla CrossCompact$2,924$244
Hyundai VenueCompact$2,946$246
Mazda CX-5Compact$2,958$247
Ford Bronco SportCompact$2,970$248
Volkswagen TiguanCompact$3,002$250
Nissan MuranoMidsize$3,046$254
Buick EncoreCompact$3,080$257
Subaru OutbackMidsize$3,090$258
Honda CR-VCompact$3,092$258
Buick EnvistaMidsize$3,098$258
Volkswagen TaosCompact$3,104$259
Kia NiroCompact$3,124$260
Honda HR-VCompact$3,154$263
Subaru AscentMidsize$3,156$263

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 Providence, RI Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Providence, RI, with the Subaru Crosstrek ranking first at $2,680 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Providence, RI, with the Subaru Crosstrek ranking first at $2,680 per year.

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Is your SUV missing from the table above? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Providence car insurance quotes from top-rated auto insurance companies in Rhode Island.

Cheapest luxury cars to insure in Providence

The lowest-cost luxury cars to insure in Providence are the Acura Integra at $3,226 per year, the BMW 330i at $3,692 per year, and the Mercedes-Benz CLA250 at $3,732 per year.

Also ranking in the top 10 are cars like the Cadillac CT4, Lexus ES 350, Lexus RC 300, and Mercedes-Benz AMG CLA35, with average annual insurance rates of $3,812 per year or less.

Some additional vehicles worth mentioning include the Jaguar XF, Lexus ES 250, Cadillac CT5, Lexus RC 350, and BMW 228i, which cost between $3,812 and $4,066 per year for insurance.

From a cost per month standpoint, full-coverage insurance on this segment in Providence for a middle-age safe driver starts at around $269 per month, depending on where you live and the company you use.

The most affordable small luxury car to insure in Providence is the Acura Integra at $3,226 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is cheapest to insure at $3,732 per year. And for large luxury cars, the Audi A5 has the most affordable rates at $4,308 per year.

The table below ranks the twenty luxury cars with the cheapest insurance rates in Providence, starting with the Acura Integra at $3,226 per year and ending with the Audi S3 at $4,066 per year.

Cheapest Insurance for Luxury Cars in Providence
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$3,226$269
BMW 330iCompact$3,692$308
Mercedes-Benz CLA250Midsize$3,732$311
Lexus IS 300Midsize$3,738$312
Acura TLXCompact$3,752$313
Lexus ES 350Midsize$3,786$316
Cadillac CT4Compact$3,788$316
Genesis G70Compact$3,796$316
Mercedes-Benz AMG CLA35Midsize$3,802$317
Lexus RC 300Midsize$3,812$318
Lexus IS 350Compact$3,828$319
Jaguar XFMidsize$3,838$320
Cadillac CT5Midsize$3,906$326
Lexus ES 250Midsize$3,922$327
Lexus RC 350Compact$3,936$328
BMW 330eCompact$3,938$328
BMW 228iCompact$3,942$329
BMW 230iCompact$3,972$331
Lexus ES 300hMidsize$3,980$332
Audi S3Compact$4,066$339

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 Providence, RI Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Providence, RI, with the Acura Integra ranking first at $3,226 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Providence, RI, with the Acura Integra ranking first at $3,226 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Don’t see rates for your luxury car? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Providence car insurance quotes from the best companies in Rhode Island.

Cheapest luxury SUVs to insure in Providence

The Acura RDX ranks in the top spot for the cheapest luxury SUV model to insure in Providence, followed by the Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. The 2024 model has an average cost of $3,032 per year to insure for full coverage.

Some other luxury SUVs that have good average insurance rates are the Lexus NX 450h, Lexus UX 250h, Mercedes-Benz GLB 250, and Lexus NX 350h, with average annual insurance rates of $3,496 per year or less.

Some additional luxury SUVs that made the list include the Infiniti QX50, Lexus RX 350, Land Rover Evoque, Mercedes-Benz GLA35 AMG, and Mercedes-Benz AMG GLB35, which average between $3,496 and $3,640 per year for insurance in Providence.

Full-coverage insurance in this segment for a safe driver starts at an average of $253 per month, depending on the company and where you live.

The cheapest compact luxury SUV to insure in Providence is the Acura RDX at $3,032 per year. For midsize luxury SUVs, the Jaguar E-Pace is cheapest to insure at $3,392 per year. And for large luxury SUVs, the Infiniti QX80 is cheapest to insure at $4,066 per year.

The next table ranks the twenty SUVs with the most affordable average insurance rates in Providence, starting with the Acura RDX at $3,032 per year ($253 per month) and ending with the Lexus RX 350 at $3,640 per year ($303 per month).

Cheapest Insurance for Luxury SUVs in Providence
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$3,032$253
Lexus NX 250Compact$3,210$268
Cadillac XT4Compact$3,276$273
Jaguar E-PaceMidsize$3,392$283
Cadillac XT5Midsize$3,422$285
Lexus NX 350hCompact$3,422$285
Lincoln CorsairCompact$3,464$289
Mercedes-Benz GLB 250Compact$3,472$289
Lexus UX 250hCompact$3,476$290
Lexus NX 450hCompact$3,496$291
Infiniti QX50Midsize$3,524$294
Mercedes-Benz GLA250Compact$3,536$295
Mercedes-Benz GLA35 AMGCompact$3,548$296
Cadillac XT6Midsize$3,550$296
Infiniti QX60Midsize$3,568$297
Mercedes-Benz AMG GLB35Midsize$3,574$298
Land Rover EvoqueCompact$3,620$302
Acura MDXMidsize$3,624$302
Lexus NX 350Compact$3,638$303
Lexus RX 350Midsize$3,640$303

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 Providence, RI Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Providence, RI, with the Acura RDX ranking first at $3,032 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Providence, RI, with the Acura RDX ranking first at $3,032 per year.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Need rates for a different luxury SUV? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Rhode Island.

Cheapest sports car insurance rates in Providence

Ranking highest for the lowest-cost Providence auto insurance rates in the performance and sports car segment are the BMW Z4, Mazda MX-5 Miata, Ford Mustang, Toyota GR86, and Subaru WRX. Auto insurance prices for these vehicles average $339 or less per month.

Additional models that have cheaper rates include the Subaru BRZ, Toyota GR Supra, Nissan Z, and Lexus RC F, with average cost of $4,334 per year or less.

Some additional cars on the list include the Porsche 911, Chevrolet Corvette, Jaguar F-Type, and Chevrolet Camaro, which cost between $4,334 and $6,140 per year for insurance in Providence.

As a cost per month, auto insurance rates on this segment in Providence for a safe driver starts at around $280 per month, depending on your location and insurance company.

The comparison table below ranks the sports cars with the cheapest auto insurance rates in Providence, starting with the Mazda MX-5 Miata at $280 per month and ending with the Porsche Taycan at $512 per month.

Cheapest Insurance for Sports Cars in Providence
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$3,356$280
Toyota GR86Sports Car$3,822$319
Ford MustangSports Car$3,980$332
BMW Z4Sports Car$4,006$334
Subaru WRXSports Car$4,068$339
Toyota GR SupraSports Car$4,072$339
BMW M2Sports Car$4,192$349
Nissan ZSports Car$4,198$350
Lexus RC FSports Car$4,288$357
Subaru BRZSports Car$4,334$361
BMW M3Sports Car$4,580$382
Porsche 718Sports Car$4,670$389
Chevrolet CamaroSports Car$4,712$393
Chevrolet CorvetteSports Car$5,022$419
Porsche 911Sports Car$5,194$433
BMW M4Sports Car$5,412$451
Lexus LC 500Sports Car$5,440$453
Jaguar F-TypeSports Car$5,722$477
Mercedes-Benz AMG GT53Sports Car$6,002$500
Porsche TaycanSports Car$6,140$512

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 Providence, RI Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Providence, RI, with the Mazda MX-5 Miata ranking first at $3,356 per year.
Ranking of the cheapest sports cars to insure in Providence, RI, with the Mazda MX-5 Miata ranking first at $3,356 per year.

Don’t see your sports car in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Rhode Island.

Cheapest pickup trucks to insure in Providence

The top-ranked vehicle in Providence for cheapest average insurance in the pickup segment is the Chevrolet Colorado, costing $3,194 per year. Second place is the Nissan Titan at $3,394 per year, coming in third is the Nissan Frontier, at an average of $3,428 per year, and the fourth cheapest is the Ford Ranger, at an average of $3,464 per year.

Also ranking well in our comparison are models like the Toyota Tacoma, Hyundai Santa Cruz, GMC Canyon, and Honda Ridgeline, with average cost of $3,730 per year or less.

Auto insurance for this segment in Providence for a good driver starts at an average of $266 per month, depending on your company and location.

The next table ranks the twenty pickups with the most affordable car insurance rates in Providence, starting with the Chevrolet Colorado at $3,194 per year ($266 per month) and ending with the Ram Truck at $4,194 per year ($350 per month).

Cheapest Insurance for Pickups in Providence
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$3,194$266
Nissan TitanFull-size$3,394$283
Nissan FrontierMidsize$3,428$286
Ford RangerMidsize$3,464$289
Ford MaverickMidsize$3,516$293
Honda RidgelineMidsize$3,598$300
Hyundai Santa CruzMidsize$3,658$305
Toyota TacomaMidsize$3,670$306
GMC Sierra 2500 HDHeavy Duty$3,690$308
GMC CanyonMidsize$3,730$311
Jeep GladiatorMidsize$3,818$318
GMC Sierra 3500Heavy Duty$3,840$320
Chevrolet Silverado HD 3500Heavy Duty$3,880$323
Chevrolet Silverado HD 2500Heavy Duty$3,980$332
GMC SierraFull-size$4,002$334
Chevrolet SilveradoFull-size$4,008$334
Nissan Titan XDHeavy Duty$4,008$334
Ford F150Full-size$4,056$338
GMC Hummer EV PickupFull-size$4,160$347
Ram TruckFull-size$4,194$350

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 Providence, RI Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Providence, RI, with the Chevrolet Colorado ranking first at $3,194 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Providence, RI, with the Chevrolet Colorado ranking first at $3,194 per year.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Looking for rates for a different pickup? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Providence car insurance quotes from top-rated auto insurance companies in Rhode Island.

Tips for getting cheaper Providence car insurance quotes

Shrewd drivers in Providence should always be thinking of ways to cut the monthly cost of auto insurance So look through the tips and ideas in the list below and maybe you can save some money the next time you need to insure a vehicle.

  • Car insurance is cheaper with higher deductibles. Increasing your deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Save money due to your employer. Just about all auto insurance companies offer discounts for specific professions like members of the military, lawyers, scientists, college professors, doctors, and others. Qualifying for this discount could potentially save between $109 and $353 on your car insurance bill, depending on the age of the rated driver.
  • Compare car insurance quote before buying a car. Different cars, and even different trim levels of the same car, can have significantly different car insurance premiums, and car insurance companies can charge widely varying rates. Get multiple insurance quotes before you upgrade you car in order to prevent insurance sticker shock when you get the bill.
  • Reduce coverage on older cars. Deleting physical damage coverage from vehicles whose low value makes coverage cost prohibitive can cheapen the cost substantially.
  • Shop around for a better deal. Setting aside 5-10 minutes to get some free car insurance quotes is a great way to save money. Rates change often and you can change companies at any time.
  • Choose vehicles that have low cost auto insurance. The vehicle you drive is one of the primary factors in the price you pay for car insurance. As an example, a Honda CR-V costs $3,966 less per year to insure in Providence than a Nissan GT-R. Less performance equals cheaper auto insurance rates.
  • Find cheaper rates by qualifying for discounts. Discounts may be available if the policyholders are good students, sign their policy early, are claim-free, drive a vehicle with safety or anti-theft features, belong to certain professional organizations, or many other discounts which could save the average Providence driver as much as $614 per year on their insurance cost.