Jessica Sautter is a Content Writer for with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 5, 2020

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Rhode Island may be the smallest state in the Union, but it can have some of highest auto insurance rates for drivers. Finding the best car insurance provider requires thorough research, but it can be done.

In Providence, the average premium runs $2,533.53, and in Warwick rates average $2,320.64.Top 10 Rhode Island Car Insurance Companies

Depending on a person’s age, gender, marital status, address, make, model and year of vehicle and driving history, car insurance rates in Rhode Island can bounce all over the board. But auto insurance in the Ocean State is legally required, so motorists must pony up the money. See if you can save by comparing FREE quotes with our search tool!


One of the most widely known auto insurance providers is the American Automobile Association (AAA) of Southern New England, with locations in Narragansett, Warwick, Providence and Cranston.

The AAA advertises savings for drivers who switch to them from other insurance agencies, as well as a customer satisfaction rate of 97 percent.


Allstate Insurance has an office on Academy Avenue in Providence which caters to the community’s diverse population. The agent speaks Spanish, French, Swahili and Arabic, and the office is located near the heart of the city.


The Nationwide Insurance office on Mineral Spring Avenue in North Providence is centrally located and easy to get to using more than one type of transportation, should you be without wheels temporarily.

The agency also sells identity theft and homeowners insurance.


A Geico Insurance office located on West Natick Road in Warwick serves the insurance needs of customers not just in Warwick but also Providence, Johnston, Pawtucket, Cranston, Coventry, Bristol, Newport, Middletown and other areas throughout the state.

The agency also serves the Quonset Point Air National Guard Base, and the agent is a member of the Submarine League and the Submarine Veterans.

Esten & Richard

Esten & Richard Agency, Inc., an independent agency located on Park Avenue in Woonsocket, represents Travelers Insurance, Progressive, Beacon Mutual, Holyoke Mutual, RI Auto Insurance Plan, GMAC and several of the best car insurance insurance companies.

Esten & Richard serves the Rhode Island and Massachusetts areas.

ABZ Insurance

Another independent car insurance agency, ABZ Insurance, is located on Pontiac Avenue in Cranston.

The agency also sells home, business, life and specialty insurance, and represents GMAC, Progressive, Travelers, Encompass, MetLife, OneBeacon and several other insurers.


Top 10 Car Insurance Companies in Rhode IslandIn Coventry, Progressive sells its insurance products at the Raymond Insurance Agency on Main Street.

The agents speak Spanish, and other products sold include boat, motorcycle, dirt bike, moped/scooter, snowmobile, recreational vehicle and golf cart insurance.


Metlife, on Atwood Avenue in Johnston, offers short-term policies as well as plans for senior citizens. Other products it sells besides auto insurance include disability, health, homeowners, long term care, property and renters insurance.

American Family

American Family Insurance, located on George Washington Highway in Lincoln, has been rated highest in customer satisfaction when buying an auto by J.D. Power and Associates.

The agency offers accident-free, air bag, defensive driver, good student, TimeAway and other car insurance discounts.

Liberty Mutual

Liberty Mutual, with offices in Cranston, Smithfield and Wakefield, opened its first office in Rhode Island in 1917.

The agency offers savings to members of various college alumni groups including Brown University, Rhode Island College, the University of Rhode Island and Providence College.

Ways to Find the Right Agency for You

Rhode Island's Top 10 Car Insurance CompaniesOne good way to research a potential insurer is to check its standing with the Better Business Bureau (BBB).

An insurer that has earned an A-plus BBB rating is an excellent place to start, although many reputable businesses do not have a BBB rating.

Checking to see if a company has any complaints filed against them is a good cautionary move.

Asking around for word-of-mouth referrals can also generate some good leads. Satisfied customers are the greatest type of advertisement an auto insurance company can have. Another way, and probably one less time-consuming, is to search the Internet.

Shopping for insurance online is the preferred way for many because it eliminates the hassle of flipping through phone books and making multiple phone calls for information.

Quickly scanning the data pulled up from an online quote saves time and helps narrow down a specific insurer. By the time you’re ready to contact the agency by phone you are already well-informed and armed with some insightful questions.

Don’t Get Caught Uninsured

Any honest auto insurance company in Rhode Island will tell the truth about the true cost of buying car insurance. The upside to this is that the auto insurance market is competitive, and by shopping around and carefully comparing rates consumers can get a good deal.

Unlike some states, Rhode Island does not have no-fault insurance, and drivers are more at risk of being sued for damages or injuries resulting from an accident.

Motorists can protect themselves by buying coverage exceeding the state minimum requirements:

  • Drivers must have $25,000 in bodily injury coverage to protect themselves against a lawsuit for injuries or death involving one person, in case of an accident.
  • They are required to buy twice as much – $50,000 of bodily injury coverage — for injuries or death occurring to two or more people in an accident.
  • Additionally, drivers also are required to purchase $25,000 of property damage coverage per accident.

The cost of auto insurance coverage or how much is required to drive legally in Rhode Island won’t be intimidating when you know the facts.

There are plenty of competing agencies willing to give you a good deal on an insurance policy. The various discounts available also bring down the cost. Doing the legwork to carefully check out your options before signing will pay off in the long run.