Rhode Island auto insurance averages - $1,539.47 per year in 2023, ranked #7 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Rhode Island sits above the 2023 national average expenditure; figures are NAIC Auto Insurance Database averages, not personal quotes.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $1,539.47 ▲8.2% | $984 |
| 2022 | $1,422.82 ▲0.1% | $920 |
| 2021 | $1,421.29 ▲2.2% | $925 |
| 2020 | $1,390.23 ▲0.6% | $911 |
| 2019 | $1,382.15 | $919 |
Evidence lead: Five-year movement
Rhode Island's strongest visible signal here is its gap to the national average expenditure. The cards below separate that level gap from change, annual shape, component mix, and registry coverage - descriptive only, not a quote.
Five-year movement
Rhode Island's +11.4% change ranks #46 of 51, placing it in the slowest-moving end of the 2019–2023 distribution. That result is an endpoint comparison, not evidence that every intervening year was flat. Annual direction and the latest one-year move are reported separately.
2023 cost position
Rhode Island's $1,539.47 average expenditure ranks #7 of 51. This is the dataset's highest-cost tier. The comparison uses average expenditure—the blended amount paid across purchased coverages—not an individual quote or the unweighted sum of the component premiums.
Coverage-component signature
Rhode Island's most distinctive 2023 component is liability: $984.00, or 47.7% above the 51-jurisdiction average of $666.04. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Year-by-year shape
Every annual step in Rhode Island's 2019–2023 series is positive. The latest move, from 2022 to 2023, is +8.2%; the largest absolute step occurs in 2023 at +8.2%. This pattern is a continuous rise in the reported averages, not a forecast that the sequence will continue.
Moderate registry context
In the linked NAIC-derived registry, Rhode Island has 5,076 complaints distributed across 42 companies. The two coverage ranks are #39 and #39 of 51, a middle-lower footprint. Read those denominators with the complaint profile itself; neither count is a normalized complaint rate or evidence about why average auto expenditure moved.
Nearest expenditure peers. By average expenditure, Rhode Island's closest peers in this dataset are Georgia ($1,555.08) and New Jersey ($1,572.86), both within a few dollars of Rhode Island's own $1,539.47.
Note on state comparisons: These averages reflect the mix of coverages purchased in Rhode Island, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
