Rhode Island Auto Insurance Guide

Over the past decade, states have begun adopting their own unique auto insurance laws. When it comes to auto insurance in Rhode Island, or anywhere for that matter, it's important that you keep up to date with state policies. Take a look at this guide for more information about Rhode Island's auto insurance requirements!

Rhode Island Insurance Regulations

Like every other state, Rhode Island requires that your vehicles meet their government's specific auto insurance requirements. You must also carry proof of your insurance policy with you whenever driving. If it is discovered that you do not have proof of your policy, you will be required to provide proof to the state within 15 days. Failure to do so could result in suspension of your license and registration. Driving without the required auto insurance coverage could also lead to significant fines of up to $500. Repeat offenders could even have their policy monitored by the state to ensure that you maintain the mandatory minimum coverage.

Mandatory Minimum Coverage in Rhode Island

In order to remain in compliance with Rhode Island's required auto insurance coverage, your policy must meet these minimum amounts:

• $25,000 for bodily injury to one person in an accident
• $50,000 for bodily injury for more than one person in an accident
• $25,000 property damage in an accident

Motorcycle Coverage Requirements

The motorcycle auto insurance laws in Rhode Island are identical to those for normal vehicles. Riders aren't required to wear a helmet, unless they are under the age of 20.

• $25,000 for bodily injury to one person in an accident
• $50,000 for bodily injury for more than one person in an accident
• $25,000 property damage in an accident

Rhode Island Auto Insurance Advice

As most drivers in Rhode Island have already figured, auto insurance doesn't come cheap in this state. Compared to the rest of the country, auto insurance in Rhode Island is almost always among the top ten most expensive states. Although the state's auto insurance requirements are in line with the national average, the average consumer policy is well over $1,000 a year. However, that doesn't mean you have to settle on a pricey policy. If you'd like to lower your premiums, ask your auto insurance provider about the types of discounts they provide. You could also try increasing your policy's deductible, although making a claim could end up costing you more.