Compare car insurance quotes in Rhode Island

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• Buy, bundle and switch right in the app.

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Average Rhode Island car insurance prices

The average cost of car insurance for Jerry drivers in the U.S. is currently $151 a month for state minimum and $378 a month for full coverage. But in Rhode Island, Jerry drivers pay:

• $89 to $194 per month for state-mandated minimum coverage.

• $198 to $411 per month for full coverage.

Does it sound too time consuming? Jerry can help! Think us as your proactive assistant. We help you compare offers side-by-side and lock in your Rhode Island car insurance in under 10 minutes directly in the app. The app is free, and we protect your privacy by never selling your info or spamming you with calls. If you ever need extra help, our licensed agents are just a tap away.

Just remember that your final quote will depend on personal factors like your driving record, your type of car and where in Rhode Island you live. Here are some full coverage rates that Jerry drivers in Rhode Island have recently gotten:

Recent quotes

Bundle home and auto insurance with Jerry

Rhode Island homeowners face coastal storm exposure, nor’easters, and flood risk in a state where high property values drive up insurance costs. Bundling home and auto insurance is one of the smartest ways to offset those elevated premiums.

Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.

Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.

Jerry pulls up to 20 quotes from top rated carriers.

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What Rhode Island drivers are paying with Jerry

Comparing quotes from multiple insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage or just choosing the cheapest car insurance in Rhode Island, shopping around helps you find the right fit.

That matters in Rhode Island, where the state may be small but premiums can still pack a punch. Providence traffic, coastal exposure, and the density of the population all contribute to rates that are higher than many drivers expect. With fewer carriers in the market, comparing your options is especially important. Jerry works with Rhode Island drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.

Jerry works with 100+ trusted insurers nationwide, to help you build a policy and secure your best price in minutes. Here are some of the latest quotes Jerry has pulled for Rhode Island drivers at different coverage levels, plus how much each driver saved.

Recent quotes in Rhode Island

Rhode Island car insurance coverage requirements

Drivers in Rhode Island are legally required to carry liability insurance coverage. State minimum requirements include:

• $25,000 in bodily injury liability per person.

• $50,000 in bodily injury liability per accident.

• $25,000 in property damage liability per accident.

Drivers can choose to purchase a combined single limit (CSL) policy instead, with at least $75,000 in coverage.

• Coverage definitions

  • Coverage Definitions

    Bodily injury liability (BI)

    • Who it pays: The other person, for injuries when you’re at fault in a crash.

    • What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.

    • How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*

    • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.

    Property damage liability (PD)

    • Who it pays: The other person, for property you damage in a crash.

    • What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.

    • How it pays: Up to your policy’s limit. For example, $50K.*

    • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.

    *Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.

    Collision

    • Who it pays: You, for damage to your own car.

    • What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.

    • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

    • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

    Comprehensive

    • Who it pays: You, for damage to your own car.

    • What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.

    • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

    • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

    Uninsured/underinsured motorist (UM/UIM)

    • Who it pays: You and your passengers, for injuries and property damage.

    • What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.

    • How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.

    • Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.

    Personal injury protection (PIP)

    • Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.

    • What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.

    • How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.

    • Do you need it? Required in no-fault states. If available in your state, it’s worth considering.

    Medical payments (MedPay)

    • Who it pays: You and your passengers, for medical bills.

    • What it covers: Medical expenses after an accident, regardless of fault.

    • How it pays: No deductible. Pays up to your policy’s limit.

    • Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

Factors affecting Rhode Island car insurance rates in 2026

Average cost of car insurance in major Rhode Island cities

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Learn more about driving in Rhode Island

• Learn how at-fault states affect your car insurance.

• Understand the 6 main types of car insurance coverage.

• Find out how much car insurance you need.

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Why you can count on Jerry’s articles

Why you can count on Jerry’s articles

Our goal is clear, trustworthy information.

Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept current, and our editorial team is separate from our business partners, so our opinions & tips are unbiased. All insights drawn from Jerry’s proprietary, aggregated customer auto insurance quotes data provide unique, real-world guidance.

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Stephanie Colestock

Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.

Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.

When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.

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