openrate index
Log in Create account
open/ RI/ providence

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 72% more than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 USAAFiled rate, credit/record adjusted $168.78
02 State FarmFiled rate, credit/record adjusted $261.41
03 TravelersFiled rate, credit/record adjusted $286.29
04 ProgressiveFiled rate, credit/record adjusted $298.99
05 NationwideFiled rate, credit/record adjusted $376.73
06 GEICOFiled rate, credit/record adjusted $395.58
07 AmicaFiled rate, credit/record adjusted $419.38
08 American FamilyFiled rate, credit/record adjusted $422.84
09 AllstateFiled rate, credit/record adjusted $434.95
10 FarmersFiled rate, credit/record adjusted $535.70
Rate explainer
Why is your best rate $168.78 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, One ticket (modeled) +$57.49
Refine my profile Create account to save
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.