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Minimum State Insurance Requirements » Rhode Island

25 / 50 / 25

Personal injury insurance for the driver: $25,000

(maximum benefit paid per claim after the policyholder pays the deductible)

Personal injury coverage for all people involved in an accident: $50,000

Property damage coverage per claim: $25,000



Rhode Island Car Insurance Information

Since it is the third most expensive in the country, it is important to have Rhode Island car insurance information before signing a policy. There are dozens of insurance companies to choose from, despite the state’s small size, and using can simplify rate comparison

Rhode Island Car Insurance Information

Ranked as the fifth most accident-prone of all the states in the U.S. by a national insurance company, Rhode Island can be harsh to its drivers. It is one of only a dozen states in the U.S. that requires drivers have no-fault insurance. Rather than using an at-fault insurance scheme, the Ocean state’s policies limit how much recovery might be possible for those injured in accidents.

Car Insurance Minimum Requirements

The required coverage for a Rhode Island driver is higher than many in the country, with mandatory $25,000 in injury liability coverage per person, $50,000 in injury liability per accident and $25,000 in property damage. More than 180,000 drivers are uninsured, constituting about 18 percent of the population of the smallest U.S. state.

These minimum requirements are higher than nearly every other state in New England. Only Maine’s mandatory coverage is higher.

Car Insurance Companies

Despite being the smallest state in the U.S., Rhode Island does not lack for car insurance options. Though drivers have the option of contacting a national insurance company directly through the company website, there are other agencies, large and small, that may deal exclusively with one national insurance company or offer plans with one of multiple insurers.

Having coverage is not only a legal necessity in the state, but it is also common sense. According to data gathered by a national insurer, Rhode Island drivers find themselves in vehicle accidents once every six years on average. With a state average snowfall of 42 inches and as much as 65 in some regions, such coverage is even more important.

Free Car Insurance Quotes

If you are a driver seeking free Rhode Island car insurance quotes, you can visit to compare the figures side-by-side for multiple companies. Just fill out the form on the website with your driving and locale information, and you will be able to browse through the rates for your area and driving history without having to contact each individual company.

Car Insurance Rates

The Ocean state’s accident rates and minimum coverage requirements have combined together to make for an expensive combination to its drivers. Rhode Island ranks third in most expensive insurance premiums, with an annual policy costing an average of $2,155. That makes for $179. 58 per month.

Among the New England states, Vermont is the most costly, with Vermont and Massachusetts drivers paying half the cost of a Rhode Island premium. New Hampshire is nearly as low. While Maine comes closer with a $1,813 rate and a ranking as the eighth most expensive annual premium in the U.S., even it is less expensive than a year’s policy in Rhode Island.