Quality over quantity should be "The Ocean State's" motto. For the smallest state in the U.S., Rhode Island definitely makes up for it with Providence's livliness and Newport's summer tourism attractions.
Requirement : Yes
Car insurance is required in Rhode Island . Drivers must have a minimum of liability coverage.
Minimum Coverage Car Insurance Requirements:
A minimum liability coverage is required:
Other Car Insurance Coverage Options:
Liability coverage is the only requirements for Rhode Island motorist to have, there are several other types of coverage available to drivers:
Other Forms of Financial Responsibility:
Other legal ways around buying car insurance include:
Proof of Insurance: Yes
You must carry proof of insurance and registration with your vehicle at all times.
Valid forms of proof of financial responsibility include:
Violations, Fines & Penalties:
A SR22 may be required after a suspension in order to get your driver’s license reinstated. An SR22 certificate only certifies proof of insurance of minimum requirements, it is not insurance.
Credit Scores & Determining Your Insurance Premium :
All Rhode Island drivers are required to have car insurance, however, insurance providers are reserved the right to deny coverage to high-risk drivers. Drivers unable to get private coverage can purchase insurance through the Rhode Island Automobile Insurance Plan (RIAIP).
Other factors that may be used to determine your premiums include:
Discounts : Yes
Discounts available in Rhode Island:
Drivers under the age of 18 are banned from using their cell phones while driving. All drivers are prohibited from texting while driving. Texting violations are considered primary offenses. Violators face an $85 fine for first offense, $100 fine for second offense, $125 fine for subsequent offenses.