Updated: November 21, 2024
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In Rhode Island, State Farm offers the cheapest car insurance rates post-DUI for full and minimum coverage policies. Overall, Allstate offers the greatest balance of affordability and quality service, making it the best car insurer for full and minimum coverage policies for someone with a DUI in Rhode Island.
In Rhode Island, the two cheapest providers for full coverage car insurance after a DUI are State Farm at $790 per year and Travelers at $2,289 per year.
In Rhode Island, the two cheapest providers for minimum coverage car insurance after a DUI are State Farm at $430 per year and Progressive at $1,373 per year.
In Rhode Island, Allstate is the best full coverage car insurance provider for drivers with a DUI, offering a remarkable balance of affordability and quality service, while State Farm provides the most competitive rate at $790 per year.
Insurance companies in Rhode Island are legally allowed to refuse coverage to DUI offenders. If your auto insurer does choose to renew your car insurance after a DUI, your premiums will increase by up to 86% compared to the average cost of car insurance without a DUI in Rhode Island.
Violations like DUIs increase the cost of your car insurance. The risk associated with DUI offenders is higher because they are more likely to get into accidents. DUI offenders in Rhode Island also risk stiff penalties, including fines, license suspension and jail time.
Nationally, the cheapest companies for car insurance with a DUI are State Farm and Progressive, but this can vary from state to state. State Farm has the cheapest car insurance rates for drivers with a DUI looking for minimum or full coverage policies in Rhode Island. USAA may be the most affordable for you if you have a military background.
Rates for full coverage car insurance after a DUI can be costly, but you can still find affordable rates by comparing quotes. The cheapest car insurance companies for full coverage in Rhode Island if you have a DUI are:
USAA, which costs $1,972 per year, may be the second-cheapest for you if you have a military background.
| 1 | State Farm | $790 |
| 2 | USAA | $1,972 |
| 3 | Travelers | $2,289 |
| 4 | Progressive | $2,375 |
| 5 | Allstate | $2,658 |
If you are looking for affordable minimum coverage car insurance for drivers with a DUI, the cheapest companies in Rhode Island are:
USAA is one of the cheapest options at $1,007 per year, but only drivers with a military background are eligible for a USAA policy.
| State Farm | $430 |
| USAA | $1,007 |
| Progressive | $1,373 |
| Travelers | $1,537 |
| Allstate | $1,558 |
| Nationwide | $2,200 |
| Amica Mutual | $2,279 |
| MetLife | $2,919 |
| GEICO | $3,297 |
The cheapest car insurance option is a minimum coverage policy. Minimum coverage policies meet the minimum car insurance requirements set by Rhode Island state laws but may not offer sufficient protection. Understanding how much car insurance coverage you need before choosing a minimum coverage policy is important.
Allstate is the best car insurance company for full coverage and minimum coverage car insurance after a DUI in Rhode Island. MoneyGeek’s ranking system uses a combination of affordability scores, financial stability, customer satisfaction and claims ratings to rank the top providers.
If you are looking for the best balance of quality service and affordability, Allstate and Travelers are the best companies in Rhode Island for drivers with a DUI violation who need full coverage car insurance.
Allstate’s full coverage policy costs an average of $1,895 per year, but if you have a DUI, you will pay $2,658 per year, which is around 40% more.
Allstate ranks high for claims and financial stability and its policies are typically moderately priced. Allstate offers unique discounts like early signing and responsible payment discounts. You can also get unique add-on coverages such as custom parts and portable electronics and media coverage.
Drivers with a DUI pay $2,289 for full coverage from Travelers, which is 58% higher than the average rate of $1,443 that you would pay for the same policy without a DUI.
Travelers has excellent complaints, financial stability and discount ratings. This provider offers a variety of add-on coverages, including accident forgiveness, new car replacement and gap insurance. Allstate also offers multiple discounts like new vehicle and alternative energy discounts.
Allstate and Progressive are the best car insurance companies for minimum coverage in Rhode Island if you have a DUI. Minimum coverage policies tend to be more affordable, but they may not offer you the level of coverage that you need.
Minimum coverage car insurance with a DUI from Allstate costs $1,558 per year in Rhode Island. This is 53% higher than the cost of a policy without a DUI, which is $1,015 per year.
Allstate has average customer service ratings but ranks high for complaints and financial stability. You can get unique discounts like their early signing and responsible payment discounts and unique add-on coverages like customized parts coverage and portable media coverage.
The average cost of a minimum coverage policy from Progressive in Rhode Island is $1,022 per year. If you have a DUI, you will pay 34% more for the same policy at $1,373 per year.
Progressive ranks high in complaints, affordability, discounts and financial stability. You can get various add-on coverages like custom parts coverage. You can also get multiple discounts, including their continuously insured and online sign-up discounts that are rarely offered by other insurers.
In Rhode Island, your car insurance premiums for full coverage may increase by 86%. This means your rate could go from an average of $1,730 per year without DUI to $3,229 per year with a DUI. Rates typically increase after a DUI because the insurer will categorize you as a high-risk driver, meaning you are more likely to get into accidents.
Below, you can see how full coverage car insurance rates vary before and after a DUI in Rhode Island.
How long does a DUI affect the cost of your car insurance?
Depending on your state, a DUI will remain on your driving record for a specified timeframe, known as the look-back period. Rhode Island has a look-back period of five years, so your DUI will remain on your record for five years.
The look-back period is usually set so that states can identify and prosecute repeat offenders with a history of DUIs.
Full Coverage
$1,730
Full Coverage
$3,229This is 87% more expensive.
In Rhode Island, car insurance with a DUI can be higher by up to 86% compared to the cost of car insurance without a DUI. To check rates based on your profile, you can use MoneyGeek’s auto insurance calculator below.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Nov 21, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
DUIs usually have several additional legal and cost implications and cause an increase in your car insurance premiums. Some of the costs and penalties include:
You may have difficulty getting car insurance after a DUI offense in Rhode Island. This is because some insurers will decline to offer coverage to high-risk drivers. Because they are private businesses, insurance providers are not required to provide coverage for high-risk drivers.
A DUI violation will also stay on your driving record for five years. During this look-back period, it can be challenging to get car insurance in Rhode Island.
It is possible to get affordable car insurance after a DUI in Rhode Island, but you will need to shop around and compare quotes from different providers to get the cheapest rates.
Rhode Island does not require drivers with a DUI on record to file SR-22 insurance. However, you will still pay significantly higher rates for car insurance with a DUI than someone with a clean record. You can find the best car insurance rates for high-risk drivers by comparing quotes from multiple providers.
Different states have their own laws and legal implications after a DUI. In Rhode Island, penalties for DUIs may include suspension of your driver’s license, court fines and other charges. MoneyGeek broke down Rhode Island DUI laws to help you understand the possible penalties of a DUI.
Driving with a BAC at or above 0.08% is considered a DUI
BAC (Blood Alcohol Content) refers to the level of alcohol in your blood. Driving with a BAC level higher than 0.08% in Rhode Island is a DUI offense. Even if you are below this threshold, you could still get arrested if you look like you can’t drive properly.
Driving with a BAC of 0.15% will result in increased penalties
30–180 days administrative license suspension on first offense
After your first DUI offense, your license may be suspended for a period ranging from 30 to 180 days.
Ignition interlocks are mandatory for all DUI convictions
In Rhode Island, ignition interlocks are mandatory for all DUI offenses.
Open container laws
It is illegal for you to drive with an open container present in your vehicle in Rhode Island and you risk having your license suspended and incurring a fine if you violate this law.
MoneyGeek answered frequently asked questions about car insurance after a DUI in Rhode Island to help you learn more.
If you get a DUI in Rhode Island your insurer may drop you or choose not to renew your policy. If your policy is renewed, you will pay higher premiums for your car insurance because you will be considered a high-risk driver.
In Rhode Island, your car insurance premiums after a DUI can increase by 86%, from an average of $1,730 per year without DUI to $3,229 per year with a DUI.
State Farm is the cheapest car insurance company after a DUI in Rhode Island for full coverage and minimum coverage policies. Overall, Allstate is the best car insurance for someone with a DUI in Rhode Island looking for a balance of affordability and quality service.
Having a DUI in Rhode Island will affect your car insurance rates for five years since that is the look-back period for the state and the length of time the DUI will remain on your driving record.
The best way to get car insurance with a DUI is to compare quotes from different providers. This will help you identify the best rates and coverage options for your profile.
To determine the top companies for individuals with DUIs in Rhode Island, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data and information obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
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.
