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Auto insurance rates, minimum coverage requirements, and driver statistics for Rhode Island (RI).
Avg Annual Premium
$1,930
$204 above national avg
Cost Rank
#14
of 51 (most expensive first)
Fault System
At-Fault (Tort)
Tort-based
Uninsured Rate
15.6%
of drivers
Min Liability
$630/yr
Legal minimum
Average Premium
$1,930/yr
State average
Full Coverage
$1,930/yr
Comprehensive + Collision
Rhode Island requires:
25/50 / 25 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $5,211 | $5,886 | $4,536 |
| 20-25 | $3,474 | $3,860 | $3,088 |
| 26-35 | $2,123 | $2,220 | $2,026 |
| 36-45 | $1,930 | $1,969 | $1,891 |
| 46-55 | $1,834 | $1,872 | $1,795 |
| 56-65 | $1,776 | $1,814 | $1,737 |
| 65+ | $2,026 | $2,084 | $1,969 |
Rates shown are annual averages for each age group in Rhode Island. Individual rates vary based on driving record, credit, and vehicle.
| Metric | Rhode Island | National Avg |
|---|---|---|
| Average Annual Premium | $1,930 | $1,726 |
| Uninsured Rate | 15.6% | 11.1% |
| Registered Vehicles | 899,540 | 5,330,804 |
| Accidents per Year | 13,493 | 79,962 |
Population
1,097,000
Registered Vehicles
899,540
Accidents per Year
13,493
Vehicles per Capita
0.82
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.
Read our full methodology or contact us with corrections.