Drive less than 10,000 miles per year in Rhode Island? Pay-per-mile insurance charges you a low base rate plus a per-mile fee (typically 2-6¢/mile). Low-mileage drivers can save 30-50% compared to traditional insurance — especially in Rhode Island where the average premium is $186/month.
(888) 217-6781Pay-per-mile insurance uses a small device plugged into your car's OBD-II port (or a phone app) to track miles driven. You pay a daily or monthly base rate plus a per-mile charge. If you drive 5,000 miles/year, you could pay as little as $60-$80/month total — compared to $186/month for traditional full coverage in Rhode Island.
| 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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