State guide · Updated August 3, 2026
Tesla Model Y insurance in Rhode Island
A full-coverage Model Y policy in Rhode Island runs an estimated $4,111 a year in published rate data, $275 above the national average of $3,836. Here is how the carriers stack up in the state and what drives the number.
- Average annual, full coverage
- $4,111/yr
- Average monthly
- $343/mo
- At $1,000 deductible
- $3,300/yr
- State minimum liability
- 25/50/25
What drives Model Y rates in Rhode Island
Above average. The country's highest population density concentrates claim frequency into a very small area.
State-level averages hide enormous variation inside a state. A garaging address in a dense urban ZIP code can rate double a suburban one twenty miles away, because claim frequency, theft rates and repair labor costs are all measured locally. Treat the number above as a starting point for comparison, not a prediction.
Why two different figures for Rhode Island
The headline $4,111 assumes $500 deductibles and the current model year. On a $1,000 deductible, blended across a wider range of model years, the same coverage in Rhode Island works out closer to $3,300 a year. Neither figure is wrong; they answer slightly different questions. We show both because a single number without its assumptions is not much use, and the gap between them is a fair indication of how much your own quote can move on coverage choices alone.
Minimum coverage in Rhode Island
Rhode Island requires at least 25/50/25. Those limits were set for a very different vehicle fleet. A single at-fault collision with another late-model vehicle can exhaust minimum property-damage limits on its own, leaving you personally liable for the remainder. For a Model Y we recommend 100/300/100 liability with matching uninsured and underinsured motorist limits. See the full coverage guide.
Carrier estimates for Rhode Island
These figures apply the state's cost index to each carrier's published national average. Use the ordering as a shortlist of who to call, not as a quote. Tesla Insurance and Liberty Mutual are absent: Tesla prices from your Safety Score rather than a fixed annual rate, and no average is published for Liberty Mutual.
| Carrier | Est. annual in Rhode Island | Est. monthly |
|---|---|---|
| USAAMilitary members and their families | $2,418 | $202 |
| TravelersOwners bundling home and auto | $2,945 | $245 |
| NationwideLow-mileage drivers using SmartMiles | $3,262 | $272 |
| State FarmOwners who want a local agent | $3,270 | $272 |
| AmicaOwners who prioritize claims service | $3,482 | $290 |
| GEICODigital-first buyers who want fast quotes | $4,062 | $338 |
| AllstateOwners who want an agent plus strong app tools | $4,256 | $355 |
| ProgressiveDrivers with tickets or accidents | $4,472 | $373 |
| Erie InsuranceCoverage depth in the Midwest and Mid-Atlantic | $4,859 | $405 |
| FarmersBundling multiple specialty policies | $5,713 | $476 |
How to shop in Rhode Island
- Pull quotes from at least six carriers, including one regional insurer that does not advertise nationally.
- Use your exact garaging ZIP code, not your mailing address, since rating is local.
- Quote 100/300/100 limits at every carrier so the comparison is apples to apples.
- Ask specifically whether an electric or alternative fuel vehicle discount is filed in Rhode Island.
- Confirm whether the carrier will use original equipment parts on a covered repair.
Model Y insurance in Rhode Island: FAQ
How much is Tesla Model Y insurance in Rhode Island?
Full coverage runs about $4,111 a year in Rhode Island, $275 above the national average of $3,836. At a $1,000 deductible the same coverage works out closer to $3,300. Individual quotes vary widely by ZIP code, driving record and coverage limits.
What is the minimum car insurance required in Rhode Island?
Rhode Island requires at least 25/50/25 in liability coverage. Those limits are far below what a single collision involving a late-model vehicle typically costs, so we recommend 100/300/100 for a Model Y regardless of the state floor.
Is Tesla Insurance available in Rhode Island?
No. Tesla Insurance is not currently sold in Rhode Island, so your comparison should focus on the conventional carriers listed above.
Which company is cheapest for a Model Y in Rhode Island?
Scaling published national averages to Rhode Island, USAA comes in lowest at roughly $2,418 a year, though eligibility restrictions and regional availability mean the cheapest carrier you can actually buy may differ. Pull at least six quotes.