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Car insurance cost in Rhode Island
Quick answers
How much is car insurance in Rhode Island?
In 2024, the average Rhode Island driver paid $1,670.70 per car for car insurance (NAIC, released September 2026). That ranks 8th of 51, where number 1 costs the most. The US average was $1,431.63.
How much is full coverage car insurance in Rhode Island?
The 2024 full coverage average in Rhode Island (liability, collision and comprehensive together) was $1,849.80. That ranks 9th of 51.
Is car insurance in Rhode Island going up?
From 2023 to 2024, the Rhode Island average went up 8.27%. Since 2020 it has gone up 20.17%. Across the US, car insurance prices in September 2026 were 5.0% lower than in September 2025 (BLS price index, whole country).
Last verified Nov 11, 2026. BLS price data checked Nov 11, 2026. NAIC state averages (2024 data, released September 2026) checked Oct 24, 2026.
Across the US, car insurance prices in September 2026 were 5.0% lower than in September 2025.
This is the newest government price count (BLS) with a 12-month change. It is for the whole country, not one state. BLS published no 12-month change for October 2026 because it did not publish an October 2025 index, so September 2026 is the latest month with one.
Newest official numbers (from 2024, released September 2026)
In Rhode Island, the average driver paid $1,670.70 per car for car insurance in 2024. That ranks 8th of 51. Number 1 costs the most.
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See the summary, charts and tables
Summary
In Rhode Island, the average expenditure per insured vehicle in 2024 was $1,670.70. This represents an increase of 8.27% from 2023 and a 20.17% increase from 2020, when it was $1,390.23. The state ranks 8 of 51 for average expenditure. The combined average premium in 2024 was $1,849.80, which is ranked 9 of 51. Average premiums by coverage included liability at $1,040.66, collision at $600.47, and comprehensive at $208.67.
The US countrywide average expenditure in 2024 was $1,431.63, which is up 11.71% from 2023. The combined average premium nationwide was $1,612.81. According to NAIC, Rhode Island is predominantly urban. Therefore, its results are not directly comparable to states with large rural areas.
Rhode Island vs US, 2020 to 2024
| Year | Avg expenditure | Rank | Combined avg premium | Liability | Collision |
|---|---|---|---|---|---|
| 2024 | $1,670.70 | 8th | $1,849.80 | $1,040.66 | $600.47 |
| 2023 | $1,543.11 | 7th | $1,708.42 | $983.85 | $538.64 |
| 2022 | $1,422.83 | 5th | $1,577.04 | $919.75 | $489.60 |
| 2021 | $1,421.29 | 5th | $1,587.25 | $925.11 | $502.84 |
| 2020 | $1,390.23 | 5th | $1,549.19 | $910.93 | $490.35 |
2024 average premium by coverage
| Coverage | Rhode Island 2024 | Change vs 2023 | US 2024 |
|---|---|---|---|
| Comprehensive | $208.67 | +12.22% | $283.15 |
| Collision | $600.47 | +11.48% | $516.39 |
| Liability | $1,040.66 | +5.77% | $813.27 |
Average expenditure is total liability, collision and comprehensive premium divided by insured car-years, so it reflects that not every driver buys collision or comprehensive. Combined average premium adds the three coverage averages, so it is closer to the cost of a full-coverage policy.
What changed in 2026
NAIC data stop at 2024. Nationally, the BLS Consumer Price Index for motor vehicle insurance was -5.0% from a year earlier in September 2026 (index 846.102, not seasonally adjusted). In October 2026 the index was 854.597, +0.7% from the month before (seasonally adjusted). BLS published no 12-month change for October 2026 because it did not publish an October 2025 index, so September 2026 is the latest month with one. See car insurance rates in 2026 for the monthly trend.
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