A 2011 report from the National Association of Insurance Commissioners (NAIC), which used 2008 data, found that the average annual premium in Rhode Island was $1,138. That was more than $200 higher than the national average.
In addition to the state's uninsured driver population, here are 2 possible culprits behind the higher-than-average premiums.
Rhode Island is the second-most densely populated state in the country (not surprising, given it's also the smallest). There are 1,018 residents per square mile, which means a lot of drivers pack a relatively small area. More drivers can lead to more car accidents.
Lack of seat belt use
As of 2010, 78 percent of vehicle occupants wore seat belts in Rhode Island. This was nearly 7 points below the national average.
Wearing seat belts can, of course, protect you from injuries in an accident (and help you avoid those injury-related claims in the first place).