Full-coverage average sourced from
Insurify (2026-06). Minimum-coverage figure and the estimator adjustments are estimates — see
methodology.
The one thing that sets Rhode Island apart
Dense, high-claim-frequency; among the costliest in New England.
Minimum vs. full coverage in Rhode Island
What each coverage level costs on the Rhode Island average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $1,230 | $102 |
| Liability Only | $1,990 | $166 |
| Full | $3,610 | $301 |
| Full Low Deductible | $4,410 | $368 |
Minimum coverage saves about $2,381/yr vs full — but caps protection at 25/50/25. One at-fault crash above those limits and the gap is yours.
Rhode Island car insurance FAQ
- What's the minimum car insurance required in Rhode Island?
- Rhode Island's state minimum is 25/50/25 — $25k bodily injury per person, $50k per accident, $25k property damage. Minimum-only runs about $1,230/yr but leaves you exposed above those caps.
- How much is full coverage in Rhode Island?
- Representative full coverage averages $3,611/yr (about $301/mo), ranking Rhode Island #50 of 51 states for cost.
- Why is Rhode Island car insurance priced the way it is?
- Dense, high-claim-frequency; among the costliest in New England.