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Cheapest Car Insurance in Rhode Island

Being the smallest state and the second most densely populated, Rhode Island can be a bit crowded at times. But that seems to add to this New England state’s charm. The first state to declare its independence from England in 1776, the long history of American freedom gives this little giant a patriotic feel. Known as “The Ocean State”, Rhode Island sports numerous beaches with grand Atlantic views and cozy seaside bed and breakfasts. The colorful Fall season is a favorite tourist attraction for the state, and an easy-going, border-to-border drive can take approximately an hour. Driving through this state doesn’t take long, so has made the car insurance information hunt just as short. By providing all the necessary information in one easy-to-follow article, driving in Rhode Island is now much more simple.


The Fall colors change in Rhode Island as quickly as the Atlantic breeze. Driving laws and regulations change quickly as well, and this organized information explains the essentials and keeps Rhode Islanders one step ahead.

Minimum Requirements for Car Insurance in Rhode Island

  • Rhode Island’s Division of Insurance requires Liability Insurance on every vehicle in the state.
  • Liability minimums:
    • $25,000 per individual injured.
    • $50,000 per injury accident.
    • $25,000 to cover accident-involved property damage.

New Driver Licensing Requirements

  • Drivers transferring an out-of-state license to Rhode Island must take only the vision and written tests to obtain a license. For new drivers under 18, the Graduated Driver’s License (GDL) program has been designed to help train young drivers in the skills of driving. The GDL consists of three steps:
    1. Limited instructional permit
    2. Limited provisional license
    3. Full unrestricted license
  • Limited Instructional Permit. Applicants must complete an approved driver education class and pass the DMV computer test prior to applying for the permit. Applicants over 18 may forego the driver education course. The following applies when holding the Limited Instructional Permit:
    • The applicant must have a supervisor in the vehicle at all times. The supervisor must be 21 or older and must have held a license for at least 5 years.
    • The applicant must drive with this permit for 6 months.
  • Limited Provisional License. Requirements to obtain this license are:
    • The applicant must have held the Instruction Permit for at least 6 months with no moving violations within the 6 months preceding application to the Provisional License.
    • The applicant must have passed the road skills test.
    • The applicant’s 50 hours of supervised driving must be completed. This should include 10 hours of night driving.
  • While holding this license, the following driving restrictions apply:
    • May drive with supervision (described above) at any time.
    • May drive without supervision from 5am to 1am or when driving:
      • to/from work
      • to/from volunteer rescue, fire or emergency medical service
  • Full Operator’s License. To qualify for this license, the applicant must be at least 17 years, 6 months of age and have held a Limited Provisional License for at least 12 months without violations. There are no restrictions on a Full Operator’s License.
  • Vision Screening. This test is administered to new drivers and to drivers upon each license renewal. A visual acuity of at least 20/40 is required with a visual field of at least 115 degrees with or without corrective lenses.
  • Knowledge Test. Based on the Rhode Island Driver’s Manual, this test evaluates one’s understanding of the basic driving rules and regulations.
  • Road Test. The test administrator will inspect the applicant’s car that he/she plans to use for the test. The administrator will check the:
    • Headlights
    • Brake lights
    • Directional lights
    • Hazard lights
    • Turn signals
    • Tires
    • Legal window tint.
  • The applicant should be very familiar with all the controls inside the vehicle, and he/she must demonstrate operation of a variety of these controls. The administrator will take the applicant through a series of traffic situations to observe his/her vehicle control and overall driving skills.
  • If the applicant fails the test, he/she must wait 30 days to re-take it.
  • Fees:
    • Instructional Permit: $10
    • Provisional License: $11.50


  • BAC limit: .08 Rhode Island law (§ 31-27-2) addresses DUI convictions in the state. Following is a list of pertinent penalties for a typical Rhode Island DUI:
  • First Offense:
    • Jail: maximum 1 year
    • Fine: $100 to 500
    • License suspension: 2 to 18 months
  • Second Offense within 5 Years:
    • Jail: 10 days to 12 months
    • License suspension: 1 to 2 years
    • Fine: $400 to $1.000
    • Ignition Interlock applied
  • Third Offense within 5 Years:
    • Jail: 1 to 5 years
    • License suspension: minimum of 2 years
    • Fine: $400 to $5,000
    • Ignition Interlock applied
  • Rhode Island’s Zero Tolerance Law allows for a DUI conviction of an underage driver with a BAC of .02 or greater.

Texting & Driving Laws

Rhode Island has banned novice drivers and bus drivers from all cell phone use, according to Also, no driver may use his/her cell phone to text while driving.

Unique Laws

Rhode Island has a sometimes awkward mix of new and old laws on its books. While it is illegal to challenge someone to a duel, it is also illegal to keep more than 11 inoperable vehicles in front of one’s house. It is illegal to ride a horse very fast on a road, and it is also illegal to coast down a road by disengaging the clutch on a vehicle.


Best Cheap Car Insurance Quotes for Rhode Island

Providence County Car Insurance

Home to nearly 60 percent of the state's total population, Providence County totals 436 square miles, the largest of Rhode Island's five counties. The Blackstone River runs partly along its eastern border. Its largest city, Providence, is the state capital.

Providence was one of the first cities in the nation to industrialize and was known for its silverware and jewelry. Its economic has since shifted toward service industries, but manufacturing remains strong. Built in 1828, the oldest enclosed mall in America, The Arcade Providence, was converted into micro-apartments and commercial-use facility and reopened in 2013.

County Sedan Suv Coupe Truck Hybrid

Kent County Car Insurance

Named for the county of Kent, England, Kent County is Rhode Island's second most populated. Rhode Island counties no longer serve a governmental function, but the historical county seat is East Greenwich, the wealthiest town in Rhode Island. Warwick, its largest city, is the second-largest city in the state, located only 12 miles south of Providence, the largest.

Rhode Island's main airport, T.F. Green Airport, is located in Warwick. Points of interest include Goddard Memorial State Park, Rhode Island's most popular urban park, encompassing nearly 500 acres along Greenwich Bay. Amenities include a 9-hole golf course, swimming beach, equestrian area with 18 miles of bridle trails and a performing arts center.

County Sedan Suv Coupe Truck Hybrid

Washington County Car Insurance

Known by locals as "South County," Washington County is Rhode Island's most southern-most county, named for first U.S. President George Washington. At 563 square miles, it is the largest in the state by land area, and not surprisingly, it's the smallest county in the U.S. with bragging rights as a state's largest county.

There is no formal county government or county seat. The largest city is South Kingstown, which has more than 10 miles of undisturbed beaches. The affluent coastal town of Watch Hill is home to the oldest carousel in the U.S., the Flying Horse. The small town of Charleston hosts a noted Seafood Festival that has twice been ranked among the top 100 American events by the American Tour Bus Association.

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Newport County Car Insurance

Located on Aquidneck Island, Conanicut Island and Prudence Island, plus the easternmost part of the Rhode Island mainland, Newport County has a total area of 314 square miles, only 102 square miles of which is land. Its largest city is Newport, a seaside community located on Aquidneck Island.

A summer resort known for its beautiful mansions, Newport is the site of Rhode Island's oldest Roman Catholic parish, founded in 1828. The site of the first polo game in the U.S. In 1876, Newport also boasts the oldest bar in the U.S., the White Horse Tavern, founded in 1673. The town of Little Compton is the final resting spot of the first girl born to colonists in New England, who was the daughter of pilgrims John and Priscilla Alden.

County Sedan Suv Coupe Truck Hybrid

Bristol County Car Insurance

The least populous county in Rhode Island, Bristol County had just under 50,000 residents at the 2010 Census. The 45-square-mile county is nearly half water. The suburban town of Barrington, about seven miles southeast of Providence, is the county's city.

There is no formal county government in Rhode Island, but the historic county seat of Bristol boasts the longest-running Fourth of July Celebration in the nation, having held festivities each year since 1785. The celebration begins on Flag Day, June 14, and includes a parade, firefighters' muster, soap box races and concerts. The town is a deepwater sea port named for Bristol, England, and its industries are largely marine related, including manufacturing and tourism.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Washington$1,296.00$977.00$1,334.00$1,234.00$1,202.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

Rhode Island has maintained car insurance premiums above the national average for many years, and’s 2013 numbers show no change is expected. The state’s auto premiums as a percentage of income are also consistently higher than the national average but follow the same trend.

Drunk Driving Fatalities

Much higher than the rest of the nation on average, Rhode Island’s drunk driving fatalities declined slightly after their climb in 2011. The National Highway Traffic Safety Administration recorded the state’s average down 1 percent in 2012, putting it 7 percent above the nation’s. Since then the difference has narrowed with 2014 showing the smallest gap in years.

Teen Drinking and Driving

Rhode Island’s teens drink and drive slightly less than the national average, according to the Centers for Disease Control.

Vehicular Theft in Rhode Island

Jumping nearly 25 points in 2012, Rhode Island’s vehicle theft rate surpassed the national average by a wide margin. The FBI reports that the number dropped significantly in 2014 and is now well below average.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!


State Department of Insurance

Rhode Island Department of Business Regulation
Division of Insurance Regulation
1511 Pontiac Ave.
Cranston, RI 02920
Get Directions

Department of Transportation

Rhode Island Department of Transportation
Two Capitol Hill
Providence, RI 02903
(401) 222-2450
Get Directions

Department of Motor Vehicles

Rhode Island Department of Revenue
Division of Motor Vehicles
600 New London Ave.
Cranston, RI 02920-3024
(401) 462-4368
Get Directions

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