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Read on to Shop Car Insurance Quotes in Rhode Island and throughout the United States.

To compare average premiums by state, visit the link shown below.

Here's how Rhode Island drivers can lower their annual premiums. Just follow a few easy steps.

This page features the latest available information on car insurance in Rhode Island, along with stats, facts, demographics and related links. You'll also find handy tips on how to choose the right plan for your individual needs.

Auto Insurance Rates in Rhode Island

The average annual insurance premium for a car owned in Rhode Island last year was around $1,608. At the same time, the national average hovered around $1,347. 

Rhode Island's relatively high percentage of uninsured drivers may play a role in higher premiums, while the state's extremely high population density further jacks up the rates.

With well over a thousand people per square mile, Rhode Island is the second most densely populated state in America, behind only New Jersey.

Driving Uninsured in Rhode Island

Getting caught driving uninsured or under insured in the state of Rhode Island results in a fine of up to five hundred dollars and license suspension for up to three months. And that's just for a first offense.

Subsequent offenses are met with higher fines and longer license suspensions. Repeat offenders may be fined as much as a thousand dollars, and have their licenses suspended for a year or more.

Other possible consequences include raised premiums, high reinstatement fees, lawsuits filed by drivers you hit with your uninsured vehicle, and personal bodily injury inflicted on you by drivers you hit with your uninsured vehicle.

Minimum Liability Coverage in Rhode Island

Rhode Island has a minimum required coverage of 25/50/25 for each vehicle. So Rhode Island drivers must purchase at least $25,000 in Personal Injury Protection (PIP), $50,000 of protection for others who are injured, and $25,000 in coverage against property damage.

Rhode Island state law requires a total of $100,000 in liability coverage per vehicle.

Discount Car Insurance in Rhode Island

Here's a good ways for a Rhode Island driver to get relatively low premium rates on car insurance.

Qualify and apply for every available discount. Most car insurance carriers offer good driver discounts, good student discounts, senior citizen discounts, vehicle safety discounts, multiple auto discounts and quite a few other types of discounts.

Shop Car Insurance Quotes

Based on recent customer reviews, the most favored auto insurance carriers in Rhode Island are Allstate, Farmers, Geico, Progressive, State Farm, Travelers and 21st Century Insurance.

Of these, Allstate has the greatest rate of customer complaints filed against it, while Progressive has the fewest.

Some Rhode Island car owners opt for smaller, local carriers like Chubb and Harleysville.

Keep this in mind when you shop car insurance quotes. 

The easiest way to obtain a low quote on auto insurance in Rhode Island is simply to contact five or six car insurance companies and ask their agents for free quotes. Don't forget to ask about their discounts.

Then all you need to do is add up the discounts, compare quotes, and choose the cheapest deal.

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