Providence drivers pay an average of $2,294/year — $523 more than the national average. With 2,328 crashes per year and a 2.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $602/year.
(888) 217-6781Estimated full coverage auto insurance rates for Providence, RI from top carriers. Rates are adjusted for Providence's 2,328 annual crashes, 2.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $870 | $145/mo |
| Progressive | $981 | $164/mo |
| Amica Mutual | $1,049 | $175/mo |
| State Farm | $1,074 | $179/mo |
| Allstate | $1,309 | $218/mo |
Estimates based on 2026 rate filings for ZIP 02903. GEICO is cheapest at ~$145/mo. Actual rates vary by driver profile and exact Providence location.
These Providence-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Providence, RI. Takes under 2 minutes.
(888) 217-6781Providence is a mid-size city in Rhode Island with a population of 190,934. While it avoids the extreme congestion of larger metros, Providence has its own risk factors — growing commuter traffic, expanding development, and nor'easters, hurricanes, flooding, blizzards, ice — that shape local auto insurance rates. Drivers in Providence typically pay close to the Rhode Island state average, with significant variation by ZIP code and neighborhood.
For official Rhode Island insurance regulations, visit the Rhode Island Insurance Division. For driver licensing, see the Rhode Island DMV.
Your specific ZIP code within Providence can swing your premium by hundreds of dollars. Here's how rates compare across Providence neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 02906 | Providence South Side | $2,148/yr | $179/mo |
| 02907 | Providence North Side | $2,182/yr | $182/mo |
| 02911 | Providence West Side | $2,259/yr | $188/mo |
| 02913 | Providence East Side | $2,376/yr | $198/mo |
| 02903 | Providence Downtown/Central | $2,517/yr | $210/mo |
The cheapest ZIP is 02906 (Providence South Side) at $2,148/yr. The most expensive is 02903 (Providence Downtown/Central) at $2,517/yr — a $369/year difference for the same driver.
Your Providence ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Providence. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,817/yr | $401/mo | +110% vs avg |
| Young Adult (20-25) | $3,212/yr | $268/mo | +40% vs avg |
| Adult (26-35) | $2,294/yr | $191/mo | 0% vs avg |
| Mid-Career (36-50) | $2,019/yr | $168/mo | -12% vs avg |
| Senior (51-65) | $1,904/yr | $159/mo | -17% vs avg |
| 65+ | $2,042/yr | $170/mo | -11% vs avg |
Teens in Providence pay an average of $4,817/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,904/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Rhode Island cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Providence drivers can save up to $602/year. ZIP 02906 (Providence South Side) has the lowest rates starting at $2,148/yr.
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