Car Insurance Laws
State minimum insurance requirements in Rhode Island
In Rhode Island, the state minimum coverage requirement is liability with limits of:
- Bodily Injury Liability $25,000 per person
- Bodily Injury Liability $50,000 per accident
- Property Damage Liability $25,000 per accident
Optional coverage in Rhode Island (varies by carrier):
- Comprehensive
- Collision
- Loan/Lease Payoff
- Medical Payments
- Rental Car Reimbursement
- Roadside Assistance
- Uninsured/Underinsured Motorist Bodily Injury
- Uninsured Motorist Property Damage
Liability coverage is legally required in Rhode Island and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Rhode Island, the minimum is listed as 25/50/25 and explained below:
$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
$25,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.
These numbers reflect the minimum limits required in Rhode Island but higher coverage amounts are available with most companies.
Top Rhode Island Car Insurance Companies
The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15%.
Car Insurance FAQs
Are digital insurance cards accepted in Rhode Island?
What does this mean for you?
If you happen to find yourself pulled over by a police officer in Rhode Island you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.
Do I need uninsured motorist coverage in Rhode Island?
Uninsured Drivers in Rhode Island
17%
12%
Did you know?
Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.How much does car insurance cost in Rhode Island cities?
| Rank | City | Avg. Annual Premium |
|---|---|---|
| 1 | Providence | $2,254 |
| 2 | Cranston | $2,138 |
| 3 | Pawtucket | $1,913 |
| 4 | East Providence | $1,833 |
| 5 | Central Falls | $1,819 |
| 6 | Valley Falls | $1,724 |
| 7 | Greenville | $1,717 |
| 8 | Warwick | $1,715 |
| 9 | Harmony | $1,674 |
| 10 | Cumberland Hill | $1,627 |
| 11 | Chepachet | $1,605 |
| 12 | Woonsocket | $1,587 |
| 13 | Pascoag | $1,575 |
| 14 | Harrisville | $1,562 |
| 15 | Hope Valley | $1,492 |
| 16 | Narragansett Pier | $1,490 |
| 17 | Kingston | $1,486 |
| 18 | Wakefield-Peacedale | $1,484 |
| 19 | Bradford | $1,476 |
| 20 | Ashaway | $1,465 |
| 21 | Westerly | $1,463 |
| 22 | Tiverton | $1,401 |
| 23 | Melville | $1,362 |
| 24 | Newport | $1,356 |
| 25 | Newport East | $1,349 |
Recent Rhode Island Car Insurance Questions and Answers
If I’m involved in an accident with a passenger in my vehicle, are they covered?
I’m going to be taking my neighbor to a doctors appointment and want to know if he will be covered ...
Driving Laws
Rhode Island Texting and Driving Laws
- Ban on hand-held cell phones
- Ban on text messaging for all drivers
Alcohol Related Fatalities
24
Per Year in Rhode IslandAnnual DUI Arrests
Rhode Island2,778
US Average23,438
DUI Legal Limit
0.08%
Blood Alcohol ContentAverage DUI Cost
10k
Nationally, For First OffendersWhat does this mean for you?
Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.
If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.Cheap Car Insurance
It's expensive to get car insurance in Rhode Island!
Dang! Rhode Island is definitely not one of the cheapest states for car insurance. Dont worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Since Rhode Island might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information.What's the cheapest car insurance in Rhode Island?
| Rank | Company Name | Avg. Annual Premium |
|---|---|---|
| 1 | USAA | $712 |
| 2 | State Farm | $1,117 |
| 3 | Travelers | $1,234 |
| 4 | Amica | $1,482 |
| 5 | Progressive | $1,514 |
| 6 | Quincy Mutual | $1,611 |
| 7 | Peerless | $1,750 |
| 8 | National Grange Mutual | $2,073 |
| 9 | GEICO | $2,468 |
| 10 | MetLife | $2,529 |
| 11 | Nationwide | $2,680 |
| 12 | Encompass | $2,928 |
| 13 | Cal Casualty | $2,997 |
| 14 | Liberty Mutual | $3,013 |
| 15 | Allstate | $3,089 |
