Maryland vs Rhode Island Car Insurance

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

Quick Verdict

More Affordable

Maryland is $60/yr cheaper on average.

Fewer Uninsured

Maryland has a lower uninsured rate (12.2% vs 15.6%).

Rate & Coverage Comparison

Attribute	Maryland	Rhode Island
Avg Annual Premium	$1,870	$1,930
Min Liability	$610	$630
Full Coverage	$1,870	$1,930
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	12.2%	15.6%
Registered Vehicles	5,065,140	899,540
Accidents/Year	75,977	13,493
Population	6,177,000	1,097,000

Minimum Coverage Requirements

Maryland

30/60 / 15 liability

Rhode Island

25/50 / 25 liability

Premium Comparison

Maryland$610 – $1,870

Liability: $610Avg: $1,870Full: $1,870

Rhode Island$630 – $1,930

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

MarylandFull 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, Maryland or Rhode Island?

Maryland has cheaper car insurance, with an average annual premium of $1,870 compared to $1,930 in Rhode Island - a difference of $60 per year.

How do Maryland and Rhode Island compare on fault systems?

Maryland 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 Maryland vs Rhode Island?

Maryland requires 30/60 / 15 liability. Rhode Island requires 25/50 / 25 liability. Minimum liability costs $610/yr in Maryland and $630/yr in Rhode Island.

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

Rhode Island has a higher uninsured driver rate at 15.6%, compared to 12.2% in Maryland. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Maryland 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

Maryland

Rhode Island

Avg Annual Premium

$1,870

$1,930

Min Liability

$610

$630

Full Coverage

$1,870

$1,930

Fault System

At-Fault (Tort)

Uninsured Rate

12.2%

15.6%

Registered Vehicles

5,065,140

899,540

Accidents/Year

75,977

13,493

Population

6,177,000

1,097,000