Rhode Island Auto Insurance Calculator 2026
Estimate your auto insurance premium in Rhode Island (RI). Rhode Island rates are 24% above the national average. Enter your details below for a personalized estimate.
Driver Profile
Ages 16-100
Coverage & Vehicle
Average is ~12,000 miles/year
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Rhode Island Auto Insurance Overview
Rhode Island drivers pay approximately 24% more than the national average for auto insurance. The state premium factor is 1.24x relative to the national baseline.
Rhode Island Minimum Coverage Requirements
Rhode Island requires minimum liability coverage of 25/50/25 ($25,000/$50,000 bodily injury, $25,000 property damage).
Rhode Island requires uninsured/underinsured motorist (UM/UIM) coverage.
Note: Tort state; UM required
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