Auto Insurance in Rhode Island — Average Cost 2026
Average auto insurance in Rhode Island: $2,050/year ($171/month). Rhode Island ranks #43 out of 51 states — above the national average.
Average annual
$2,050
Average monthly
$171
National rank
#43
of 51 states
vs national avg
+15.2%
Rhode Island vs national average
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State averages are the starting point. Your actual rate depends on your individual profile. Use our calculator for a detailed estimate.
Auto insurance in Rhode Island
Rhode Island sits 15% above the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Rhode Island tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Rhode Island drivers hundreds of dollars annually.