Colorado vs Rhode Island Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Rhode Island is $170/yr cheaper on average.

Fewer Uninsured

Colorado has a lower uninsured rate (11.2% vs 15.6%).

Rate & Coverage Comparison

Attribute	Colorado	Rhode Island
Avg Annual Premium	$2,100	$1,930
Min Liability	$690	$630
Full Coverage	$2,100	$1,930
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	11.2%	15.6%
Registered Vehicles	4,734,680	899,540
Accidents/Year	71,020	13,493
Population	5,774,000	1,097,000

Minimum Coverage Requirements

Colorado

25/50 / 15 liability

Rhode Island

25/50 / 25 liability

Premium Comparison

Colorado$690 – $2,100

Liability: $690Avg: $2,100Full: $2,100

Rhode Island$630 – $1,930

Liability: $630Avg: $1,930Full: $1,930

ColoradoFull rates, age breakdown, requirements →Rhode IslandFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Colorado or Rhode Island?

Rhode Island has cheaper car insurance, with an average annual premium of $1,930 compared to $2,100 in Colorado - a difference of $170 per year.

How do Colorado and Rhode Island compare on fault systems?

Colorado uses a at-fault (tort) system while Rhode Island uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Colorado vs Rhode Island?

Colorado requires 25/50 / 15 liability. Rhode Island requires 25/50 / 25 liability. Minimum liability costs $690/yr in Colorado and $630/yr in Rhode Island.

Which state has more uninsured drivers, Colorado or Rhode Island?

Rhode Island has a higher uninsured driver rate at 15.6%, compared to 11.2% in Colorado. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Colorado vs Rhode Island insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

Colorado

Rhode Island

Avg Annual Premium

$2,100

$1,930

Min Liability

$690

$630

Full Coverage

$2,100

$1,930

Fault System

At-Fault (Tort)

Uninsured Rate

11.2%

15.6%

Registered Vehicles

4,734,680

899,540

Accidents/Year

71,020

13,493

Population

5,774,000

1,097,000