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Rhode Island Car Insurance Information

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:

    • $5,000 for bodily injury to one person.
    • $30,000 for bodily injury per accident.
    • $5,000 for property damage per accident.
    • *A single limit of $35,000 covers the entire liability requirement, only offered by some carriers.
  • Uninsured/Underinsured motorist coverage – Covers you in case you’re involved in an accident with an uninsured party, or they don’t have adequate coverage.
    • $30,000 for bodily injury to one person.
    • $60,000 for bodily injury to per accident.
    • $15,000 for property damage coverage per accident
    • * Uninsured/underinsured motorist coverage must be offered, however, you can opt out.

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:

  • Collision – Covers damages to your vehicle due to an accident.
  • Comprehensive – Covers damages due to your non-accident related damages to your car, such as inclement weather.
  • Rental reimbursement – Reimburses you if you have to rent a car after an accident.
  • Roadside assistance/towing coverage – Typically adds coverage for towing, tire changes, lockout services, and more.
  • Note: Comprehensive and or collision coverage is optional, unless the vehicle is being financed or leased, the lending/leasing agency may require you to purchase comprehensive and collision coverage.

Other Forms of Financial Responsibility:

Other legal ways around buying car insurance include:  

    • $75,000 cash or securities deposit with the state comptroller.

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:

  • Insurance card.
  • The declaration page of your policy.
  • Current liability insurance binder or policy.
  • Signed letter from an insurance agent or company official on company letter head.
  • Copy of your Rhode Island Assigned Risk Plan application.
  • Certification of financial responsibility.

Insurance Violations:

Violations, Fines & Penalties:

  • Should you be found operating a vehicle without the mandatory minimum insurance coverage, you face:
    • $100 - $500 fine for first offense.
      • Up to a 3 month suspension of license and vehicle registration.
    • $500 fine for second offense.
      • Up to a 6 month suspension of license and vehicle registration.
    • $1000 fine for subsequent offenses.
      • Up to a 1 year suspension of license and vehicle registration.

SR22:

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.

  • An SR-22 certification may be required to reinstate your license or registration if you’ve had:
    • Vehicular Manslaughter
    • DWI or DUI
    • Felony involving a motor vehicle
    • Hit and run
    • Perjury or false statement made against the RI MVD
    • Used a fake id to purchase alcohol
    • Other violations against the RI MVD
  • You must hold an SR22 for 1 year

  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:

  • Age
  • Gender
  • Credit history
  • Driving history
  • Marital status
  • Coverage history
  • Deductible
  • Year, make, model of vehicle
  • Neighborhood, city of residence
  • Primary use of vehicle

Discounts : Yes

Discounts available in Rhode Island:

  • Anti-theft discount.
  • Defensive driving discount.
  • Good student discount.
  • Paid-in-full discount.
  • Safety features discount.
  • Low mileage discount.
  • Multi-policy discount.
  • Multi-vehicle discount.

Cellphone Use:

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.


Rhode Island Minimum Coverage Laws

Carriers in Rhode Island

Full Insurance Laws for Rhode Island

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