New York 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 $390/yr cheaper on average.

Fewer Uninsured

New York has a lower uninsured rate (6.1% vs 15.6%).

Rate & Coverage Comparison

Attribute	New York	Rhode Island
Avg Annual Premium	$2,320	$1,930
Min Liability	$760	$630
Full Coverage	$2,320	$1,930
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	6.1%	15.6%
Registered Vehicles	16,564,819	899,540
Accidents/Year	248,472	13,493
Population	20,201,000	1,097,000

Minimum Coverage Requirements

New York

25/50 / 10 liability

Rhode Island

25/50 / 25 liability

Premium Comparison

New York$760 – $2,320

Liability: $760Avg: $2,320Full: $2,320

Rhode Island$630 – $1,930

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

New YorkFull 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, New York or Rhode Island?

Rhode Island has cheaper car insurance, with an average annual premium of $1,930 compared to $2,320 in New York - a difference of $390 per year.

How do New York and Rhode Island compare on fault systems?

New York 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 New York vs Rhode Island?

New York requires 25/50 / 10 liability. Rhode Island requires 25/50 / 25 liability. Minimum liability costs $760/yr in New York and $630/yr in Rhode Island.

Which state has more uninsured drivers, New York or Rhode Island?

Rhode Island has a higher uninsured driver rate at 15.6%, compared to 6.1% in New York. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the New York 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

New York

Rhode Island

Avg Annual Premium

$2,320

$1,930

Min Liability

$760

$630

Full Coverage

$2,320

$1,930

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

6.1%

15.6%

Registered Vehicles

16,564,819

899,540

Accidents/Year

248,472

13,493

Population

20,201,000

1,097,000