Updated: November 1, 2024
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Amica Mutual stands out as Rhode Island's leading car insurance company based on MoneyGeek scores, excelling in customer satisfaction and overall value. Those seeking minimal coverage policies will find Amica Mutual unbeatable. Families with teen drivers might prefer State Farm's balance of cost and service.
MoneyGeek has also examined the cheapest car insurance in Rhode Island if budgeting is your main concern.
Best Car InsuranceRhode IslandBest Car Insurance in Rhode Island
Why Trust MoneyGeek? We created an insurance scoring system for providers in Rhode Island based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in Rhode Island.
Amica Mutual ranks as the top car insurance company in Rhode Island with a MoneyGeek score of 97 out of 100. Analysis of the data reveals a score range from 97 to 62 among rated insurers. This spectrum represents the baseline assessment by MoneyGeek, with individual scores potentially varying for different driver profiles.
How does MoneyGeek score companies?
When evaluating insurers, the Overall MoneyGeek scores prioritize non-claims customer satisfaction and affordability, reflecting consumer priorities. Additionally, the assessment incorporates claims experience and offered coverages into the overall evaluation. These factors collectively help consumers identify insurance providers that offer a balanced blend of price, service quality and comprehensive coverage options. Understanding these components allows for a well-informed choice in selecting an insurer that aligns with individual needs and preferences.
As no insurers without a MoneyGeek score were identified, we maintain a focus on those companies that have been fully evaluated. This ensures that the information we provide is based on a comprehensive analysis of all critical aspects of insurance services.
| Amica Mutual | 97 | $980 |
| American Family | 88 | $1,241 |
| State Farm | 83 | $1,014 |
| Travelers | 83 | $1,002 |
| Nationwide | 83 | $1,317 |
| Progressive | 77 | $1,396 |
| Allstate | 73 | $1,457 |
| GEICO | 62 | $2,365 |
Amica Mutual is the best option in Rhode Island for drivers seeking the best full coverage car insurance. Insurance shoppers can rest assured knowing that their choice aligns with the highest-rated provider as evaluated by MoneyGeek's robust scoring system.
Amica Mutual distinguishes itself by possessing the strongest combination of customer satisfaction, affordability, claims handling and stability. Its excellence in customer service and competitive pricing truly set it apart from the competition.
Consumers in Rhode Island should also be aware of the diverse offerings from different insurance companies, which come with varying costs and service experiences. For those interested in maximizing their savings, MoneyGeek has also compared and analyzed the providers that offer the cheapest full coverage car insurance in Rhode Island, making it easier to find an option that fits their budget.
Ranks well in state for general customer satisfaction.
Ranks well in state for claims handling.
Leads in affordability, with an average annual premium of $980 for full coverage.
Offers rare coverages like Glass Deductible Modification and Identity Theft Coverage.
Does not offer OEM coverage.
Amica Mutual secures a top MoneyGeek Score with outstanding satisfaction (35 out of 35) and claims handling (20 out of 20), making it a highly appealing choice due to its customer service excellence and efficient claims process. The company offers two common coverages: Rental Car and/or Travel Reimbursement and Roadside Assistance, as well as New Car Replacement and Accident Forgiveness. This robust offering highlights Amica Mutual's commitment to providing a comprehensive insurance experience, despite the absence of some rare coverages.
Amica Mutual also offers rare coverage options that many drivers will find valuable. Glass Deductible Modification allows customers to lower their deductible for glass repairs, saving money in the event of windshield or window damage. Identity Theft Coverage offers credit monitoring and identity restoration services to safeguard customers' personal information. Additionally, Full Glass Coverage ensures the cost of repairing or replacing a car's windshields or windows is covered, offering further peace of mind. These specialized coverages complement the company's high satisfaction (35 out of 35) and affordability (30 out of 30) scores, resulting in a comprehensive and customer-focused car insurance offering.
Amica Mutual is the best option in Rhode Island for those seeking superior car insurance customer service.
Amica Mutual distinguishes itself with the highest customer satisfaction and claims handling scores, both significant contributors to its nearly perfect MoneyGeek score. Amica Mutual delivers top-notch service at a more affordable cost than its nearest competitor, American Family.
In Rhode Island, drivers will encounter a range of insurance companies, each with its own levels of customer satisfaction and claims service. Excellent customer service can transform the complexities of filing claims and managing policies into a more straightforward and supportive process, especially during stressful times. A good claims experience ensures that customers feel their needs are prioritized and addressed efficiently, facilitating customer retention and trust in the insurance industry.
Ranks 1st for customer satisfaction.
Ranks 1st for claims handling.
Offers rare coverages like Glass Deductible Modification and Identity Theft Coverage.
Offers common coverages like Gap Insurance and Accident Forgiveness.
Amica Mutual shines particularly for its superb satisfaction and claims handling scores, contributing greatly to its high MoneyGeek Score of 93. It provides reasonably common coverages like New Car Replacement and Accident Forgiveness, enhancing its portfolio.
Amica Mutual extends valuable, yet rare, coverages like Glass Deductible Modification and Identity Theft Coverage, both widely applicable to many drivers. These offer additional peace of mind by lowering costs associated with glass repairs and protecting against identity fraud, respectively. Full Glass Coverage is also on hand, covering windshield damages that can ensue from road mishaps. These coverages, coupled with Amica Mutual's superb Satisfaction (45 out of 45) and Claims Handling (30 out of 30) scores, underline its dedication to customer service and reliability, solidifying its standing as a top choice for insurance seekers.
Amica Mutual is the best option in Rhode Island for drivers seeking car insurance with minimum coverage.
Amica Mutual stands out due to its exceptional performance in customer satisfaction and affordability, which are significant contributors to its high MoneyGeek score. It offers the best value for drivers looking for the minimum insurance required by law in Rhode Island, at an annual cost of $463.
Many companies in Rhode Island offer cheap minimum coverage car insurance. But opting for the minimum could leave you underinsured in the event of an accident. The cost savings upfront can be easily overshadowed by high out-of-pocket expenses for damages that exceed the policy limits.
Ranks 1st in state for cost, with $463 average annual premium for minimum coverage.
Ranks 1st in state for customer satisfaction.
Ranks 1st in state for claims handling.
Does not offer all common discounts; missing safe driving discount.
Amica Mutual stands out with perfect scores in affordability and satisfaction, the two major contributors to its outstanding MoneyGeek Score of 97. The average annual premium for Amica Mutual's policyholders is a $463, illustrating exceptional value.
Amica Mutual impressively offers common discounts, like bundling, safe driving, multiple car and good student. Such offerings are usually indicative of flexibility and customer focus, allowing policyholders to lower their premiums through responsible driving and smart policy management.
The company's perfect affordability score of 40 (out of 40) and the highest satisfaction score of 25 (out of 25) significantly contribute to Amica Mutual's excellent total MoneyGeek score. Coupled with solid scores in claims handling at 20 (out of 20), coverage at 7.5 (out of 10) and stability at 4 (out of 5), Amica Mutual demonstrates a robust combination of value, reliability and customer contentment.
In Rhode Island, driver age significantly influences car insurance rates, with different insurers leading for different age groups. MoneyGeek found that State Farm, with an overall score of 86, is the best option for teens, offering affordability and a premium of $1,378. For young adults and seniors, Amica Mutual leads the pack, scoring 96 and 92 respectively. Amica Mutual's premiums are $1,063 for young adults and $1,316 for seniors. These insurers provide age-specific coverages aligning with cost and discount requirements.
Best for teens: State Farm
Best for seniors: Amica Mutual
Best for young adults: Amica Mutual
State Farm is the best option in Rhode Island for car insurance for teens, offering both competitive rates and strong customer satisfaction.
State Farm stands out primarily due to its highest satisfaction and affordability scores. Its annual premium of $1,378 for a teen policy indicates that parents in Rhode Island seeking to get cheap car insurance for a teen will find State Farm much more financially sensible, especially when adding a teen to a family policy rather than obtaining a separate policy.
Car insurance premiums for teens are notably higher in Rhode Island and other states mainly because of the increased risk they represent to insurers. Statistics show that teenage drivers are more likely to be involved in accidents due to inexperience and potentially riskier driving behaviors, leading to higher costs for coverage.
Offers Good Student, Distant Student and Driver's Education discounts.
Ranks 1st in state for non-claims customer satisfaction.
Ranks 1st in state for affordability; average annual premium $1,378 for full coverage.
State Farm stands out in the insurance market with perfect satisfaction (35 out of 35) and stability (5 out of 5) scores. For families with teens, State Farm's offerings are noteworthy, with not just one but all three key discounts for young drivers: Good Student, Distant Student and Driver's Education — an added bonus for cost-conscious parents.
Among the valuable coverages State Farm extends, Roadside Assistance offers peace of mind for daily commutes and long travels alike, addressing minor mechanical issues and emergency services on the road. For those planning trips or requiring a temporary vehicle, Rental Car and/or Travel Reimbursement provides coverage for rental car costs, ensuring continuity and convenience when the unexpected strikes. These common coverages, combined with State Farm's exceptional discount offerings for young drivers, form a robust insurance package tailored for a variety of insurance needs.
Amica Mutual is the best option in Rhode Island for senior drivers looking for quality car insurance coverage.
Amica Mutual distinguishes itself with an impressive blend of high satisfaction and claims handling scores as key factors in its overall MoneyGeek score. For seniors in Rhode Island seeking to obtain cheap car insurance for a senior in Rhode Island, Amica Mutual presents a competitive annual cost of $1,316, only slightly higher than what younger age groups might pay.
While auto insurance rates can be associated with age, being a senior doesn’t automatically translate to higher premiums. MoneyGeek's evaluation uses rates for seniors in their 60s as a baseline, which are comparable to costs for middle-aged individuals. Naturally, seniors in their 70s and 80s may experience a gradual increase in premiums, reflecting the nuanced underwriting that takes into consideration the changes in driving patterns and risk profiles with age.
Offers roadside assistance and rental car/travel reimbursement.
Ranks 1st for customer satisfaction.
Ranks 1st for claims handling.
Ranks 4th for cost with an average annual premium of $1,316.
Missing common coverages such as full glass coverage.
With outstanding scores in satisfaction (35 out of 35) and claims handling (20 out of 20), Amica Mutual secures its high MoneyGeek score, adeptly catering to customer service and support excellence. Despite lacking common and reasonably common coverages such as Roadside Assistance and Rental Car/Travel Reimbursement, Amica's superior service and other categories sustain its competitive edge. Amica Mutual's average annual premium stands at $1,316, and the absence of senior discounts does not detract from its overall value proposition.
Amica Mutual, as the highest-rated company, offers unparalleled satisfaction and claims service that greatly benefit customers, particularly seniors, seeking reliable and responsive insurance support. Instead of focusing on additional perks, Amica provides robust fundamental services to underscore the importance of core insurance offerings. These services directly impact the day-to-day experiences of policyholders, demonstrating why such high satisfaction and claims handling scores are important to an insurer's overall score and customer peace of mind.
Amica Mutual is the best option in Rhode Island for car insurance for young adults. The top providers are:
Amica Mutual distinguishes itself with its exceptional customer satisfaction and claims handling scores. When considering policies for drivers in their 20s, these factors become particularly crucial. The annual premium for young adults at Amica Mutual is $1,063, showing that to get cheap car insurance for a young adult in Rhode Island, one might expect to pay more compared with older age groups.
Young adults typically face higher car insurance premiums due to their lack of driving experience and higher statistical likelihood of being involved in accidents. Insurers in Rhode Island and other states consider these risk factors when determining premiums, which often results in higher costs for young drivers seeking coverage.
Ranks 1st for general customer satisfaction.
Ranks 1st in state for claims handling.
Ranks 2nd for cost; average annual premium $1,063.
Offers Good Student, Distant Student and Driver's Education discounts.
Amica Mutual's exceptional MoneyGeek Score is prominently bolstered by top marks in satisfaction and excellent performance in affordability and claims handling. It also offers common coverages such as Rental Car and/or Travel Reimbursement and Roadside Assistance, thus providing customers with essential protections on the road.
Amica Mutual has a perfect satisfaction score of 35 (out of 35), top-notch affordability at 30 (out of 30) and flawless claims handling at 20 (out of 20). These core strengths ensure a well-rounded insurance experience. The coverage score of 8 (out of 10) illustrates a robust offering, indicating that while the scope of protection is broad, there may be room for additional niche benefits for an even more comprehensive insurance solution.
Amica Mutual is the best option in Rhode Island for drivers with offenses seeking car insurance.
Amica Mutual stands out with its high customer satisfaction and claims handling scores, which are the largest contributors to its MoneyGeek score. This reflects a strong balance between affordability, customer service and overall experience, tailored for drivers with a record of speeding tickets, at-fault accidents or DUIs. The annual premium for Amica Mutual suggests that securing cheap car insurance as a high risk driver in Rhode Island could be moderately higher, at $1,949, which is expected given the additional risk compared to standard policyholders.
The higher cost for car insurance after traffic violations is due to the greater risk insurers assume when covering drivers with offenses. A ticket, at-fault accident, or DUI indicates to insurers a higher likelihood of future claims, leading them to adjust premiums accordingly to mitigate potential losses.
Ranks well for customer satisfaction.
Ranks well for claims handling.
Includes roadside assistance, rental reimbursement, accident forgiveness and new car replacement.
Costlier compared with other insurers in state.
Lacks gap insurance, identity theft and full glass coverage.
Amica Mutual's high MoneyGeek score of 91 is largely attributed to excellent satisfaction (35 out of 35) and claims handling (20 out of 20). Amica Mutual offers specific coverages like Roadside Assistance or Accident Forgiveness that can be beneficial for drivers with a poor record. With an affordability score of 24, Amica Mutual presents itself as an economical choice with an average annual premium of $1,949 for those with driving offenses.
Amica Mutual's strongest attributes are its customer service and reliable claims process. These attributes are highlighted in satisfaction and claims handling, both with perfect scores, representing the company's dedication to fulfilling customer needs efficiently and effectively. Customers can expect service that can aid in mitigating the impact of past driving mishaps.
Travelers is the best car insurance option in Rhode Island for drivers with new cars.
New Car Replacement and/or Better Car Replacement are particularly critical for those with a new vehicle. The primary contributors to the MoneyGeek score are satisfaction and claims handling, which are vital to customer experience, along with affordability and the range of coverage options available.
At an annual cost of $1,406, opting for an insurer like Travelers that provides New or Better Car Replacement could prove financially prudent for new drivers. This is because, in the event of an accident, your insurer compensates you for a new vehicle rather than the depreciated value of your car, potentially saving you significant out-of-pocket expenses.
Ranks well in state for customer satisfaction.
Ranks 1st for claims handling.
Leads in affordability; $1,406 average premium for full coverage.
Offers New Car Replacement coverage.
Travelers leads with exceptional affordability (30 out of 30) and claims handling (20 out of 20), making it a top choice for consumers seeking value and reliability. Its average annual premium is $1,406.
Travelers' optional New Car Replacement coverage is a lifesaver for new car owners, offering extra protection in the distressing event of a total loss. By choosing this coverage, drivers can replace their vehicle with a brand new one, not just one of equivalent value, minus only the deductible. This means peace of mind for those who've invested in the latest models. Furthermore, with essential offerings like Roadside Assistance and Rental Car Reimbursement, drivers enjoy a safety net in case of emergencies or when their vehicle is temporarily out of commission. Accident Forgiveness is another valuable feature that protects rates from rising after just one accident, which can be particularly beneficial for conscientious drivers.
Amica Mutual is the best option in Rhode Island for car insurance for military personnel, with an impressive MoneyGeek score.
Although USAA is also an excellent choice for those with a military background, based on the MoneyGeek score, which values a balance of service quality and affordability, it did not win in Rhode Island.
Amica Mutual stands out in Rhode Island thanks to its high scores in customer satisfaction and strong performance across all MoneyGeek scoring categories, securing its top spot. With an annual cost of $980, it offers a great balance of service and value. For those focused on rates, MoneyGeek also researched the cheapest car insurance in Rhode Island for military drivers.
Ranks 2nd for customer satisfaction.
Ranks 1st for claims handling.
Ranking 2nd for affordability with an average annual premium of $980 for full coverage.
Offers rare coverages like Glass Deductible Modification and Identity Theft Coverage.
Amica Mutual leads with its high MoneyGeek Score, excelling in satisfaction (33 out of 35) and claims handling (20 out of 20). Amica Mutual’s average annual premium is competitively priced at $980.
The company also offers a variety of essential coverages that cater to different insurance needs. Its Collision Coverage takes care of expenses for the repair or replacement of a vehicle following an accident. Comprehensive Coverage offers financial protection against non-collision-related incidents, such as theft or weather damage. Another valuable addition is Personal Injury Protection, which supports drivers by covering medical expenses and, in some cases, lost wages and other damages, no matter who’s at fault in an accident. These common coverages ensure a robust safety net for drivers, paving the way for a secure, well-rounded auto insurance portfolio.
In Rhode Island, the best car insurance providers offer a trifecta of essential qualities: affordability, robust financial stability and a consistent track record of exceptional customer service. MoneyGeek's comprehensive analysis simplifies your search for top-tier auto coverage. However, should you opt to conduct your own research, be prepared to follow a methodical process to ensure you make an informed decision.
In Rhode Island, exceptional customer service is crucial for car insurance providers, as it ensures customer satisfaction and efficient claims handling. Prospective buyers should utilize independent data sources like JD Power and the NAIC for insights into a company's performance. Amica Mutual stands out with the highest customer service accolade in the state, scoring a perfect 45 for customer satisfaction and a full 30 for claims handling, out of 45 and 30, respectively, according to MoneyGeek's research.
Rhode Island drivers can find significant savings by comparing car insurance quotes, balancing cost with quality service. Personal research is key, as the most affordable option varies based on individual profiles. MoneyGeek's findings suggest Amica Mutual offers the best value for minimum coverage, with an annual premium of $463, making it a top choice for budget-conscious drivers seeking reliable insurance.
Selecting the right coverages is vital when choosing a car insurance policy in Rhode Island. Drivers should investigate which insurers provide coverages that align with their needs. According to MoneyGeek, American Family received a perfect coverage score of 10, indicating it offers all four critical coverages: Rental Car and/or Travel Reimbursement, Roadside Assistance, Gap Insurance and Original Equipment Manufacturer coverage. Meanwhile, Progressive, Amica Mutual, Nationwide, and Allstate scored 7.5, offering three of these essential coverages.
The financial stability of an insurance company is paramount to ensure claims are paid out without complications. Researching an insurer's financial strength is a prudent step. MoneyGeek's analysis awards perfect stability scores of 5, the highest possible, to Travelers, State Farm and GEICO, indicating these companies possess the superior financial strength rating of A++ from A.M. Best and exemplify the lowest risk in terms of financial dependability.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
Amica Mutual stands out as the best for cheap car insurance in Rhode Island, with an annual premium for minimum coverage at $463 and a MoneyGeek score of 97. Minimum coverage policies may lack comprehensive protection, but affordable full coverage options can be found with diligent comparison shopping.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
