Rhode Island Car Insurance - Auto Insurance Quote in RI
As with most states, you're required to have insurance if you want to drive in Rhode Island. The most hassle-free way to get top coverage in the "Ocean State" is through CarInsurance.com.
| Current average car insurance premium in Rhode Island | $2,603.20 |
| Current average car insurance premium U.S. | $1,602.16 |
| Providence | $2,533.53 |
| Warwick | $2,320.64 |
| Check out our car insurance rates in more Rhode Island cities | |
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Rhode Island drivers typically pay well above the national average for car insurance. The CarInsurance.com's Average Premium Trend Tool shows these changes in Rhode Island auto insurance rates over the past few months. The arrow shows the monthly trend and the graph shows the change.
Providence is both the state capital and its largest city, with about 174,000 people, according to Census records.
Resources for Rhode Island car owners
- Rhode Island road conditions and traffic reports
- State of Rhode Island Department of Motor Vehicles
- Rhode Island Department of Business Regulations
Questions Rhode Island drivers are asking
- My driver's license is suspended in Rhode Island. Where will this show up?
- How old does a child have to be in Rhode Island to sit in the front passenger seat?
We have many top-rated insurance companies available to give you quotes for coverage in Rhode Island, which at 1,545 square miles is the smallest state in the union. Let's get the process going by looking at what Rhode Island says all motorists must have.
Rhode Island state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $25,000. This basic coverage is often referred to as 25/50/25 coverage with 25/50 UM limits.
Minimum Required Insurance Coverage in Rhode Island
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $25,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
The state of Rhode Island follows a Tort system, meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
To help protect against damages caused to you and your passengers by an uninsured driver, Rhode Island state law requires a minimum Uninsured/Underinsured Motorist coverage of $25,000 per person up to a total of $50,000 per accident for any bodily injury caused by the uninsured and/or underinsured driver.
For simple convenience, CarInsurance.com gives Rhode Islanders the choice of a Minimum State Required package. That's just square one, though. Consider what your needs are in terms of deductibles, limits and other coverage and make changes suitable for you. Agents can help your decision-making.
We know that some motorists have perfect records while others have been in accidents or were ticketed for moving violations. All affect your rates, but that doesn’t mean rates don’t vary from carrier to carrier. CarInsurance.com makes it easier to compare.
A car that’s cheap to insure isn’t just safe, it’s also not on Rhode Island car thieves’ most-wanted list:
