Average car insurance cost in Rhode Island (2026)
Drivers in Rhode Island pay an average of $295 a month for full coverage and $178 a month for liability only.
Full coverage / month
$295
Liability only / month
$178
Full coverage / year
$3,540
Liability only / year
$2,136
Cost rank
#2 of 51
1 = most expensive. Liability-only rank: #3.
Averages are a starting point. Estimate your cost in Rhode Island
How Rhode Island compares
The full-coverage average of $295 is 69% above the average across states ($174), and the liability-only average of $178 is 82% above the average across states ($98). Rhode Island is one of the 10 most expensive places in our table. That is $6 a month below Maryland, the highest, and $210 above New Hampshire, the lowest.
Full coverage vs liability only in Rhode Island
Full coverage costs $117 more per month than liability only in Rhode Island, or $1,404 more per year. That gap is wider than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to Rhode Island by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| Maryland | $301 | $191 | +$6 |
| Delaware | $263 | $167 | -$32 |
| Nevada | $261 | $165 | -$34 |
| Georgia | $259 | $157 | -$36 |
| New Jersey | $257 | $181 | -$38 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the Rhode Island averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $295 | $178 |
| Same driver, age 20-24 | $428 | $258 |
| Same driver, one ticket | $360 | $217 |
| Same driver, one at-fault accident | $419 | $253 |
| Same driver, sports car | $384 | $231 |
Frequently asked questions
How much does car insurance cost in Rhode Island?
The average in Rhode Island is $295 a month ($3,540 a year) for full coverage and $178 a month ($2,136 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in Rhode Island expensive compared with other states?
Rhode Island ranks 2nd highest of the 50 states and D.C. for full coverage. Its full-coverage average is 69% above the average across states of $174 a month.
How much more does full coverage cost than liability only in Rhode Island?
On average, full coverage costs $117 more per month in Rhode Island, or $1,404 more per year. That is 66% more than the liability-only average.
How much could an at-fault accident change an estimate in Rhode Island?
With our illustrative 1.42 factor, a baseline full-coverage estimate in Rhode Island rises from $295 to about $419 a month, or about $124 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.