Rhode Island Auto Insurance Rates
Median premium: $1,056/6mo across 9 carriers and 90 ZIP codes.
Premiums range from $762 to $3,225 — a 4.2x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$1,056
per 6 months
ZIP Codes
90
with rate data
Carriers
9
rated in RI
Price Spread
4.2x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | Farmers | $596 | 90 ZIPs | 100% | |
| 2 | USAA | $774 | 0 ZIPs | 0% | |
| 3 | State Farm | $960 | 0 ZIPs | 0% | |
| 4 | GEICO | $960 | 0 ZIPs | 0% | |
| 5 | Nationwide | $1,056 | 0 ZIPs | 0% | |
| 6 | Travelers | $1,075 | 0 ZIPs | 0% | |
| 7 | Liberty Mutual | $1,104 | 0 ZIPs | 0% | |
| 8 | Allstate | $1,248 | 0 ZIPs | 0% | |
| 9 | Progressive | $1,300 | 0 ZIPs | 0% |
Geographic Insights
Cheapest Cities in Rhode Island
| City | Avg Median | ZIPs |
|---|---|---|
| Adamsville | $762 | 1 |
| Jamestown | $762 | 1 |
| Little Compton | $762 | 1 |
| Newport | $762 | 2 |
| Middletown | $762 | 1 |
Most Expensive Cities in Rhode Island
| City | Avg Median | ZIPs |
|---|---|---|
| Central Falls | $1,898 | 1 |
| Cranston | $1,876 | 3 |
| Providence | $1,831 | 12 |
| Pawtucket | $1,818 | 3 |
| Johnston | $1,778 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$2,620/6mo
02908 (Providence)
Cheapest ZIP
$762/6mo
02801 (Adamsville)
4.2x
Price Spread
The most expensive ZIP in Rhode Island costs 4.2x more than the cheapest. Your ZIP code matters more than you think.
Rhode Island Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Rhode Island
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Access ZIP-level rate data across all 9 carriers, 90 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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