Cheapest car insurance in Providence, Rhode Island

Rhode Island requires minimum liability coverage of 25/50/25. Rates below are monthly estimates for the 25-55 driver, Full coverage, Good credit bracket.

Filed per-carrier data
Methodology → All of Rhode Island →

Pulled directly from carrier rate filings for this city.

With 190,934 residents, Providence sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. The spread here is wide, 68% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 45% more than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 USAAFiled rate $141.83
02 State FarmFiled rate $219.67
03 TravelersFiled rate $240.58
04 ProgressiveFiled rate $251.25
05 NationwideFiled rate $316.58
06 GEICOFiled rate $332.42
07 AmicaFiled rate $352.42
08 American FamilyFiled rate $355.33
09 AllstateFiled rate $365.50
10 FarmersFiled rate $450.17
Rate explainer
Why is your best rate $141.83 and not $209.31?

Providence is priced against 10 insurers for the 25-55 driver, Full coverage, Good credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full +$93.26
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Good (modeled) +$0.00
Driving record, Clean (modeled) +$0.00
About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.