Buy Cheap Providence, RI Auto Insurance
The average Providence, RI auto insurance rates are $547 per month or $6,571 annually. The cheapest Providence, RI auto insurance company is State Farm. However, your rates depend on your age, driving record, and coverage needs. All Providence drivers must carry the Rhode Island minimum auto insurance limits of 25/50/25 in liability coverage. Providers must also offer you uninsured motorist coverage, but you can decline it.
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UPDATED: May 27, 2021
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- On average, Providence, RI auto insurance costs $547 per month or $6,571 annually
- State Farm sells the cheapest auto insurance in your city
- Providence insurance prices are the highest in the state
As the biggest city in the smallest state, Providence, RI auto insurance rates are the highest in the state.
Below, compare actual annual premiums from the leading companies in your city and learn how to secure cheap Providence, Rhode Island auto insurance.
You can easily buy Providence, RI auto insurance by entering your ZIP code into our free rate tool above.
What is the cheapest auto insurance company in Providence, RI?
Of all of the insurance providers, State Farm offers the most affordable Providence, RI auto insurance quotes and is available to everyone.
Below, compare the average annual insurance costs from the leading companies in Providence:
- State Farm – $2,897.12
- USAA – $4,973.73
- Nationwide – $5,966.30
- Allstate – $6,154.90
- Progressive – $6,605.88
- GEICO – $7,636.69
- Liberty Mutual – $8,976.30
- Travelers – $9,357.66
Take these totals with a grain of salt, as your rates vary based on your coverage needs, driving record, and age.
To truly secure your cheapest premiums, compare quotes from multiple providers online before signing any contracts.
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What auto insurance coverage is required in Providence, RI?
Legally, all Providence residents must carry at least the Rhode Island minimum auto insurance limits to drive on the roads.
Currently, Rhode Island requires the following coverages:
- $25,000 per person and $50,000 per incident in bodily injury liability auto insurance
- $25,000 per incident in property damage liability auto insurance
Rhode Island is a no-fault state. Even though personal injury coverage or PIP Insurance is not required, we recommend it.
Providers in your state must also offer you $25,000 per person and $50,000 per incident in uninsured motorist protection. However, you can waive this coverage.
What affects auto insurance rates in Providence, RI?
Providence is both the capital of Rhode Island and its largest city. Therefore, traffic congestion and auto theft statistics heavily influence your regional insurance costs.
INRIX ranks Providence as the 17th most congested city in America. Drivers in your city lose an average of 24 hours to backed-up traffic each year.
Driving often during rush hour traffic can also increase your insurance costs.
According to City-Data, the average commute length for Providence residents is just over 22 minutes.
When it comes to auto insurance in the state of Rhode Island, your ZIP code also matters. A Providence ZIP code often leads to the highest rates in the state.
Insurance providers also consider vehicle theft rates. The Federal Bureau of Investigation (FBI) recorded 580 stolen vehicles in Providence in 2017.
Unfortunately, that rate of 322.5 auto thefts per 100,000 residents is higher than the state average and hurts your regional insurance rates.
Providence, RI Auto Insurance: The Bottom Line
As the largest city in Rhode Island, Providence insurance costs are also the highest.
However, by comparing quotes online and asking about auto insurance discounts, you’ll successfully secure the cheapest rates in Providence.
Find the best Providence, RI auto insurance company for you by entering your ZIP code into our free rate tool below.