Shop Car Insurance Quotes in Rhode Island and Beyond

Read this page to Shop Car Insurance Quotes in Rhode Island, and visit the link shown below for car insurance quotes throughout the United States.

Also linked below are detailed reviews of top U.S. colleges, extensive American culture studies, economic data, and more. You can even learn how to work from home in any state. 

This page reveals how Rhode Island drivers can lower their annual premiums on car insurance. Just following a few easy steps is all it takes.

Get 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.

In fact, these tips generally apply to all drivers in America. 


auto insurance rates in Rhode Island

The Average Annual Auto Insurance Premium for a vehicle owned in Rhode Island this year was about $1,852. At the same time, the overall national average car insurance premium hovered around $1,365. 

Rhode Island's high population density and a relatively high percentage of uninsured drivers may play a role in the state's higher than average car insurance premiums. 

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

penalties for driving uninsured in Rhode Island

Getting caught driving uninsured (or even under insured) in the state of Rhode Island results in a fine of up to $500 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 $1,000, and have their licenses suspended for a year or more.

Other possible consequences include

  1. Raised premiums
  2. High reinstatement fees
  3. Lawsuits filed by drivers you hit with your uninsured vehicle
  4. Personal bodily harm inflicted on you by drivers you hit with your uninsured vehicle.

Nonetheless, the state of Rhode Island has a relative high percentage (above 15%) of uninsured drivers. 

minimum liability coverage on vehicles 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.

In other words, Rhode Island state law requires a total of $100,000 in per-accident liability coverage per vehicle. 

discount car insurance in Rhode Island

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

Whenever you shop car insurance quotes, be sure to 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. 

Whenever you get a quote, whether by phone or online, scrutinize the discount programs each company offers. Adding up the discounts can chop more off your annual premium costs than any other cost-cutting strategy. 

Shop Car Insurance Quotes in Rhode Island

Based on recent customer reviews, the most favored auto insurance carriers in the state of Rhode Island are

  1. Allstate
  2. Farmers
  3. Geico
  4. Progressive
  5. State Farm
  6. Travelers
  7. 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 such as Chubb or Harleysville.

Keep this in mind when you shop car insurance quotes in your zip code. 

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! 

You can also get free quotes online.

Then all you need to do is add up the discounts, compare quotes, and choose the cheapest policy that meets your driving needs.

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