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Car Insurance Quotes in Providence, RI

Full coverage / year
$2,776
State minimum / year
$1,048
Typical quote range
$1,971 – $3,831

Full coverage car insurance in Providence, RI runs an estimated $2,776 per year — roughly $231 monthly. That sits about 8% above the Rhode Island average, which is what you would expect from steady commuter traffic and a moderate claim frequency. Your own number moves a long way from the average once age, driving record and ZIP code are applied — the calculator below applies all three.

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Car insurance calculator — Providence, RI

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$231/ month
$2,776 per year · carriers in Providence, RI typically quote $1,971 – $3,831
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Providence, RI

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$2,110$176-24%Military members and families only
Geico$2,276$190-18%Usually cheapest for clean records
State Farm$2,443$204-12%Strong for young and student drivers
Progressive$2,637$220-5%Competitive after a ticket or accident
Travelers$2,693$224-3%Good multi-policy discounts
Nationwide$2,776$2310%Mid-market, wide availability
Allstate$3,165$264+14%Higher base rate, heavy discount stacking
Farmers$3,359$280+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Providence, RI. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Providence

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$7,498$2,830$625
18 years old$6,325$2,387$527
20 years old$5,237$1,976$436
22 years old$4,350$1,642$363
25 years old$3,320$1,253$277
30 years old$2,862$1,080$239
40 years old$2,690$1,015$224
50 years old$2,576$972$215
60 years old$2,547$961$212
65 years old$2,662$1,004$222
70 years old$2,919$1,102$243
75 years old$3,406$1,285$284

Estimated premiums by age in Providence, RI, clean record, sedan.

What a ticket, accident or DUI costs in Providence

Driving recordEst. annualIncrease
Clean record$2,776—
1 speeding ticket$3,415+23%
1 at-fault accident$4,081+47%
DUI / DWI$5,247+89%

What a violation costs a 35-year-old in Providence, RI. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Rhode Island

Every driver registering a vehicle in Rhode Island must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Rhode Island Department of Insurance.

Required coverage in Rhode IslandMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$25,000
Insurance systemAt-fault (tort)

Coverage levels compared in Providence

Coverage levelEst. annualEst. monthly
State minimum liability$1,048$87
Full coverage (100/300/100 + comp & collision)$2,776$231
Full coverage, high limits + low deductible$3,304$275

Coverage level comparison for Providence, RI.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Providence

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Providence covers 02901, 02902, 02903, 02904, 02905, 02906 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Providence, RI?
Full coverage in Providence is estimated at $2,776 a year ($231 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $1,048 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Rhode Island?
Rhode Island requires at least $25,000 bodily injury per person, $50,000 per accident and $25,000 property damage. Rhode Island is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Providence?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Providence for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Providence?
An 18-year-old in Providence is estimated at $6,325 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Providence?
A DUI takes the estimate from $2,776 to about $5,247 a year in Providence, an increase of roughly 89%. Rhode Island drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Providence?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

East ProvidenceCranstonNorth ProvidencePawtucketCentral FallsJohnstonLincolnBarrington

Comparing more of Rhode Island? See every Rhode Island city we price or read the cheap car insurance guide for Providence.