Oregon vs Rhode Island Car Insurance

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

Quick Verdict

More Affordable

Oregon is $250/yr cheaper on average.

Fewer Uninsured

Oregon has a lower uninsured rate (8.4% vs 15.6%).

Rate & Coverage Comparison

Attribute	Oregon	Rhode Island
Avg Annual Premium	$1,680	$1,930
Min Liability	$550	$630
Full Coverage	$1,680	$1,930
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	8.4%	15.6%
Registered Vehicles	3,475,160	899,540
Accidents/Year	52,127	13,493
Population	4,238,000	1,097,000

Minimum Coverage Requirements

Oregon

25/50 / 20 liability

Rhode Island

25/50 / 25 liability

Premium Comparison

Oregon$550 – $1,680

Liability: $550Avg: $1,680Full: $1,680

Rhode Island$630 – $1,930

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

OregonFull 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, Oregon or Rhode Island?

Oregon has cheaper car insurance, with an average annual premium of $1,680 compared to $1,930 in Rhode Island - a difference of $250 per year.

How do Oregon and Rhode Island compare on fault systems?

Oregon 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 Oregon vs Rhode Island?

Oregon requires 25/50 / 20 liability. Rhode Island requires 25/50 / 25 liability. Minimum liability costs $550/yr in Oregon and $630/yr in Rhode Island.

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

Rhode Island has a higher uninsured driver rate at 15.6%, compared to 8.4% in Oregon. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Oregon 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

Oregon

Rhode Island

Avg Annual Premium

$1,680

$1,930

Min Liability

$550

$630

Full Coverage

$1,680

$1,930

Fault System

At-Fault (Tort)

Uninsured Rate

8.4%

15.6%

Registered Vehicles

3,475,160

899,540

Accidents/Year

52,127

13,493

Population

4,238,000

1,097,000