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Auto Insurance Requirements In Rhode Island

Rhode Island Auto Insurance 

According to Rhode Island state law, all motorists applying for vehicle registration are required to have valid vehicle liability insurance. This insurance helps cover the costs of damages or injuries you may have inflicted on others if you are responsible for an accident. You must carry evidence of insurance in your vehicle at all times, and provide it to law enforcement and others involved in an accident with you upon request.  While this is the minimum amount as required by law, drivers are strongly urged to consider higher limits.  It’s also important to note that, while Rhode Island law does not require you to have collision and comprehensive coverages, you may have to purchase both as part of your car’s finance or lease agreement.

Car Insurance Policy Requirements in the state of  Rhode Island

Rhode Island law mandates that every automobile insurance policy sold in the state must have these minimum coverages:

  • Uninsured or underinsured motorist coverage with a limit that matches your liability insurance limits
  • $25,000 per person and $50,000 per accident for bodily injury liability insurance
  • $25,000 per accident for property damage liability insurance

Penalties and Violations

If you are caught driving without insurance in Rhode Island, you may be fined between $500 and $5,000, have your vehicle’s registration revoked for between three months and one year, and even be sentenced to spend up to one year in jail.

You are also deemed fully responsible for any financial repercussions should you cause an accident and not have any insurance to cover the cost of the damage.

Choosing the insurance that’s actually right for you may seem overwhelming.  It’s important to make sure you’re adhering to the law in whatever state you live.  Don’t go it alone — have one of our friendly, knowledgeable agents help you cut through the nonsense, and get you the security you need while you’re out on the road.  Getting the right insurance is just a few steps away.