Rhode Island Auto Insurance Requirements

The small, yet bold, state of Rhode Island has auto insurance laws which operate under the “Tort” system. This simply means that you, as a driver of a motor vehicle, are financially responsible for any property damage and/or personal injury that may occur as a result of an accident for which you are at fault.

The state requires you prove that you are financially responsible prior to driving. Most Rhode Islanders choose to purchase a minimum liability auto insurance policy in the amount of 25/50/25 as proof of this responsibility.

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Residents of the Ocean State may increase their protection by purchasing add-ons to their auto insurance policy, such as collision, comprehensive, and uninsured/underinsured motorists.

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Auto Insurance for Leased Vehicles in Rhode Island (RI)

Most leasing companies in Rhode Island typically require drivers to maintain insurance coverage which exceeds the minimums set by Rhode Island state law. This is to protect you financially, as well as your leasing company, should they be held partly responsible. Most leasing companies will recommend the following amounts of insurance coverage:

• Bodily injury liability coverage: $100,000 per person/$300,000 per accident
• Property damage liability coverage: $50,000
• Comprehensive and collision coverage: $500 maximum deductible

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Last Updated: August 19, 2010