Indiana vs Rhode Island Car Insurance

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

Quick Verdict

More Affordable

Indiana is $400/yr cheaper on average.

Fewer Uninsured

Indiana has a lower uninsured rate (14.0% vs 15.6%).

Rate & Coverage Comparison

Attribute	Indiana	Rhode Island
Avg Annual Premium	$1,530	$1,930
Min Liability	$500	$630
Full Coverage	$1,530	$1,930
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	14.0%	15.6%
Registered Vehicles	5,564,520	899,540
Accidents/Year	83,467	13,493
Population	6,786,000	1,097,000

Minimum Coverage Requirements

Indiana

25/50 / 25 liability

Rhode Island

25/50 / 25 liability

Premium Comparison

Indiana$500 – $1,530

Liability: $500Avg: $1,530Full: $1,530

Rhode Island$630 – $1,930

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

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

📊

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, Indiana or Rhode Island?

Indiana has cheaper car insurance, with an average annual premium of $1,530 compared to $1,930 in Rhode Island - a difference of $400 per year.

How do Indiana and Rhode Island compare on fault systems?

Indiana 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 Indiana vs Rhode Island?

Indiana requires 25/50 / 25 liability. Rhode Island requires 25/50 / 25 liability. Minimum liability costs $500/yr in Indiana and $630/yr in Rhode Island.

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

Rhode Island has a higher uninsured driver rate at 15.6%, compared to 14.0% in Indiana. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Indiana 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.

Explore the DataPeek Network

LawyerCostPeek DivorceLawPeek EvictionLawPeek LicenseWize DMVPeek FloodRiskPeek VocabWize VocabLibre DicionarioWize WortWize KalimaWize KotobaPeek NameBlooms WagePeek NetPayPeek SalaryByCity

Attribute

Indiana

Rhode Island

Avg Annual Premium

$1,530

$1,930

Min Liability

$500

$630

Full Coverage

$1,530

$1,930

Fault System

At-Fault (Tort)

Uninsured Rate

14.0%

15.6%

Registered Vehicles

5,564,520

899,540

Accidents/Year

83,467

13,493

Population

6,786,000

1,097,000