Car Insurance with Bad Credit in Rhode Island (2026)
Quick Answer
Bad credit in Rhode Island increases car insurance by 62%, raising full coverage from $2,322/year to $3,762/year.
✓ Updated March 2026✓ Based on state insurance filings
Good Credit
$194/mo
Poor Credit (1.62x)
$314/mo
Best Companies for Bad Credit in Rhode Island
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $232/mo | $2,784/yr | Military families |
| Erie Insurance | $248/mo | $2,972/yr | Rate lock guarantee |
| GEICO | $257/mo | $3,085/yr | Clean driving record |
| Progressive | $276/mo | $3,311/yr | Telematics savings |
| State Farm | $285/mo | $3,423/yr | Good students |
| Travelers | $298/mo | $3,574/yr | Multiple discounts |
| Nationwide | $326/mo | $3,912/yr | Bundling home + auto |
| Farmers | $339/mo | $4,063/yr | Signal telematics |
| Allstate | $351/mo | $4,213/yr | Accident forgiveness |
| Liberty Mutual | $370/mo | $4,439/yr | New car replacement |
USAACheapest
Monthly
$232/mo
Annual
$2,784/yr
Best for: Military families
Erie Insurance
Monthly
$248/mo
Annual
$2,972/yr
Best for: Rate lock guarantee
GEICO
Monthly
$257/mo
Annual
$3,085/yr
Best for: Clean driving record
Progressive
Monthly
$276/mo
Annual
$3,311/yr
Best for: Telematics savings
State Farm
Monthly
$285/mo
Annual
$3,423/yr
Best for: Good students
Travelers
Monthly
$298/mo
Annual
$3,574/yr
Best for: Multiple discounts
Nationwide
Monthly
$326/mo
Annual
$3,912/yr
Best for: Bundling home + auto
Farmers
Monthly
$339/mo
Annual
$4,063/yr
Best for: Signal telematics
Allstate
Monthly
$351/mo
Annual
$4,213/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$370/mo
Annual
$4,439/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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