Liability insurance is the minimum legal requirement in Rhode Island — it covers damage you cause to other people and their property. The average cost is $57/month with 25/50/25 limits. It does not cover your own vehicle.
(888) 217-6781Liability insurance pays for the other driver's medical bills and car repairs when you're at fault. Rhode Island requires minimum limits of 25/50/25, but most insurance experts recommend at least 50/100/50 — especially with 9% of Rhode Island drivers being uninsured.
| Coverage | Monthly Cost | Annual Cost | What's Covered |
|---|---|---|---|
| Liability Only (25/50/25) | $57/mo | $680 | Other people's injuries & property |
| Full Coverage | $186/mo | $2,230 | Others + your own vehicle |
Switching from full coverage to liability-only saves $1548/year in Rhode Island — but your own car has zero protection.
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $846 | $141/mo |
| Progressive | $954 | $159/mo |
| Amica Mutual | $1,020 | $170/mo |
| State Farm | $1,044 | $174/mo |
| Allstate | $1,272 | $212/mo |
Rates based on 2026 data for a 35-year-old driver with good credit and clean record. Your rate will vary.
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