State profile · RI · CMS + NAIC
Rhode Island drivers average $1539/yr for auto insurance, ranked #7 of 51 states by expenditure; federal marketplace denial filings are not reported for this state-based exchange.
The verdict
Rhode Island runs its own health-insurance marketplace, so federal claim-denial data isn't reported here, but drivers pay an average $1539 a year for auto cover, above the $1191 national average (the 7th-most-expensive of 51 states), up 11% since 2019.
2019: $1382 average expenditure
$1,382 avg expenditure
2020: $1390 average expenditure
$1,390 avg expenditure
2021: $1421 average expenditure
$1,421 avg expenditure
2022: $1423 average expenditure
$1,423 avg expenditure
2023: $1539 average expenditure
$1,539 avg expenditure
What this shows Rhode Island drivers' average auto cost rose 11% between 2019 and 2023.
Year over year, Rhode Island's average auto expenditure rose 8.2% from 2022 to 2023, part of a 11% increase (+$157) since 2019. See the full 5-year state-by-state comparison.
Rhode Island auto rates in detail →Rhode Island: $1539/yr average auto expenditure (this state)
$1,539 avg expenditure
New Jersey: $1573/yr average auto expenditure
$1,573 avg expenditure
Georgia: $1555/yr average auto expenditure
$1,555 avg expenditure
Maryland: $1477/yr average auto expenditure
$1,477 avg expenditure
Delaware: $1462/yr average auto expenditure
$1,462 avg expenditure
No issuer-level claim-denial data is reported for Rhode Island in the current CMS dataset.
Evidence map
The order below follows the evidence with the greatest bearing on this state record, while keeping the CMS claims filing, NAIC cost series, and state-rule context distinct.
Auto-cost position
Rhode Island's 2023 average auto expenditure was $1539, 7th of 51 jurisdictions by cost and 29.3% above the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Rhode Island uses an at-fault (tort) auto-insurance system: the driver responsible for an accident, or their insurer, is liable for the other party's damages -- unlike the 12 no-fault states. Rhode Island's insurance commissioner is an appointed office (in most states, by the governor), not an elected position -- one of 39 states structured this way.
Nearest expenditure peers. By average auto expenditure, Rhode Island's closest peers in PlainInsurer's dataset are Georgia ($1555/yr) and New Jersey ($1573/yr) -- both within a few dollars of Rhode Island's own $1539/yr.
Border comparison. Rhode Island borders Connecticut and Massachusetts. Rhode Island's auto costs run higher than all of them, by average auto expenditure -- geography is one of several factors (alongside regulation and risk pool) that shapes these differences, not a direct cause.
Rhode Island operates a state-based health-insurance marketplace, so its issuers are not in the federal CMS Transparency-in-Coverage file. For health-plan denial data, consult the Rhode Island Department of Insurance and the state exchange directly.
Rate regulation and guaranty-fund coverage are state-specific, so a state record can differ from an insurer's national average. Sources: CMS Transparency in Coverage PUF PY2026; NAIC 2023 Auto Insurance Database; Insurance Information Institute; Ballotpedia.
State insurance-department directory links come from NAIC. PlainInsurer is not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.