Massachusetts vs Rhode Island Car Insurance

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

Quick Verdict

More Affordable

Massachusetts is $460/yr cheaper on average.

Fewer Uninsured

Massachusetts has a lower uninsured rate (6.2% vs 15.6%).

Rate & Coverage Comparison

Attribute	Massachusetts	Rhode Island
Avg Annual Premium	$1,470	$1,930
Min Liability	$480	$630
Full Coverage	$1,470	$1,930
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	6.2%	15.6%
Registered Vehicles	5,764,600	899,540
Accidents/Year	86,469	13,493
Population	7,030,000	1,097,000

Minimum Coverage Requirements

Massachusetts

20/40 / 5 liability

Rhode Island

25/50 / 25 liability

Premium Comparison

Massachusetts$480 – $1,470

Liability: $480Avg: $1,470Full: $1,470

Rhode Island$630 – $1,930

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

MassachusettsFull 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, Massachusetts or Rhode Island?

Massachusetts has cheaper car insurance, with an average annual premium of $1,470 compared to $1,930 in Rhode Island - a difference of $460 per year.

How do Massachusetts and Rhode Island compare on fault systems?

Massachusetts uses a no-fault system while Rhode Island uses a at-fault (tort) system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

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

Massachusetts requires 20/40 / 5 liability. Rhode Island requires 25/50 / 25 liability. Minimum liability costs $480/yr in Massachusetts and $630/yr in Rhode Island.

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

Rhode Island has a higher uninsured driver rate at 15.6%, compared to 6.2% in Massachusetts. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Massachusetts 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

Massachusetts

Rhode Island

Avg Annual Premium

$1,470

$1,930

Min Liability

$480

$630

Full Coverage

$1,470

$1,930

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

6.2%

15.6%

Registered Vehicles

5,764,600

899,540

Accidents/Year

86,469

13,493

Population

7,030,000

1,097,000