Rhode Island car insurance

altantic ocean coastline with a lighthouse

Common questions about Rhode Island
auto insurance

Need car insurance in Rhode Island? Whether you live in Providence or Cranston, Liberty Mutual Insurance can help you save on car insurance! From Liability Protection to Comprehensive Coverage, we've got you covered. We'll help you customize your Rhode Island auto insurance, so you only pay for what you need.

What car insurance is required in Rhode Island?

In Rhode Island, it's illegal to drive without insurance. Drivers in Rhode Island are required to have the following car insurance coverage: bodily injury to others, property damage liability, and uninsured motorist coverage.

This chart shows the minimum auto insurance drivers are required to have in Rhode Island for these coverages.²

Coverage	Amount
Bodily Injury to Others	$25,000 per person and $50,000 per accident
Property Damage Liability	$25,000 per accident

For more information, check out Rhode Island Division of Insurance Regulation.

What's the average cost of car insurance in Rhode Island?

The average cost of car insurance in Rhode Island was $2,106³ in 2021 according to thezebra.com. That's 38% higher than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the minimum coverage, while others prefer more protection. Liberty Mutual can save you money on Rhode Island auto insurance with a customized policy so you only pay for what you need.

See how much you could save on car insurance.

U.S. Map with Rhode Island state highlighted

Who has the cheapest car insurance in Rhode Island?

Getting the cheapest car insurance in Rhode Island sounds great but it could cost you when you need it most. Beyond cost, you should also make sure the company you pick is reliable in case you're in an accident.

A Liberty Mutual auto insurance policy can cost less than you think.⁴