How much does Auto Mechanic insurance cost in Providence, Rhode Island?

The estimated annual cost for a Auto Mechanic in Providence with one employee is between $1670 and $2456. The state base rate is $1020.

What insurance is required for a Auto Mechanic in Rhode Island?

In Rhode Island, businesses are subject to a 7.0% insurance tax. Auto Mechanics typically need General Liability due to a risk factor of 1.8.

Auto Mechanic Insurance Cost in Providence, Rhode Island (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1670-$2456

Estimated Annual Premium

Monthly Average Breakdown

$164 / mo

Includes General Liability

Industry Risk Profile

Mechanics need Garage Keepers insurance to cover customers' vehicles while in their care, plus liability for faulty repairs.

Risk Factor1.8x

Location Factors

State Base Rate$1020
Providence Multiplier1x
State Tax Rate7.0%

Local Compliance FAQ

Is General Liability required in Providence?

While Rhode Island law may not mandate it for all businesses, Auto Mechanics often need proof of insurance to bid on local commercial projects in Providence.

Why is the rate different here?

Your premium reflects Rhode Island's specific base rate of $1020 and a local city multiplier of 1x.

Compare Auto Mechanic Insurance in Other Rhode Island Cities

Auto Mechanic in Warwick Auto Mechanic in Cranston Auto Mechanic in Pawtucket

How much does Auto Mechanic Insurance cost in Providence?