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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.

Coverage Type Required? Minimum Coverage Amount Required
Bodily Injury Liability Yes

$25,000 per person

$50,000 per accident

Property Damage Liability Yes

$25,000

Uninsured Motorist Bodily Injury No

$25,000 per person

$50,000 per accident

Personal Injury No  



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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:

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Rhode Island Division of Motor Vehicles
www.dmv.state.ri.us
Rhode Island Department of Business Regulation: Insurance Division
233 Richmond Street
Providence, RI 02903
www.dbr.state.ri.us/insurance.html

 

**Auto Insurance Finder is not an insurance broker or carrier. Content on this site is for comparison and informational purposes only. The products and services listed on this site may not be available in all states.

Last Updated: August 19, 2010

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Key Facts...
Almost two in three auto insurance shoppers used an online quote request in their most recent search. This contrasts with only 4% of auto insurance shoppers who purchased a policy at least five years ago. In 2009, one in every three consumers purchased a policy entirely online.

Source:
comScore Online Auto Insurance Report, 2009

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