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Laura Berry

Former Insurance Agent

Former Insurance Agent

Joshua Adamson

Joshua is a copywriter at Obrella who for more than 10 years has been creating content about insurance, health care, and more. He helps companies explain complex insurance subjects in simple ways so that customers can make smart buying decisions. He spends way too much time binge-watching Netflix, loves the outdoors and has a cat who tolerates him.

UPDATED: Dec 11, 2023

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Rhode Island may be small, but that doesn’t mean drivers should be left out of the loop. We are bringing Rhode Island drivers all the information you need to know and none that they don’t. No pushy sales pitches, no confusing topics. We’ve researched state minimums, laws, discounts, and more to design this resource page just for you.

Rhode Island Car Insurance Requirements

To stay in good standing with the law, you’ll need bodily injury liability, property damage liability, and uninsured/underinsured coverage as a Rhode Island driver. That’s because Rhode Island is an at-fault state, so if you cause an accident, your insurance is responsible for the damages. Your policy will need these minimums:

  • $25,000 for bodily injury liability and uninsured motorist coverage, per person per accident
  • $50,000 for bodily injury liability and uninsured motorist coverage, total per accident
  • $25,000 for property damage liability per accident

Additional Car Insurance Coverage in Rhode Island

No one ever complained about having too much coverage after an accident. Make sure you’re safe and sound financially after an accident or incident by getting including additional coverage, such as:

Comprehensive Coverage – What if next season’s hurricane floods your car or what if a vandal breaks your windows? This coverage is there to help pay for that.

Collision Coverage – If you get into an accident and your car is banged up, this insurance will help pay for damages.

Towing and labor coverage – You might need a tow after an accident and if you do, this coverage will help pay for it.

Rental car coverage – Get a rental car paid for if yours isn’t drivable after an accident by buying this coverage.

Violations And Penalties

Don’t drive without insurance. If you’re caught, you can face the following consequences:

  • Suspension of your license
  • Suspension of license plates and registration
  • A $500 fine for your first and second offense
  • A $1,000 fine for third and all other offenses
  • Up to a year in jail

Why Your Premiums Cost What They Do

Insurance companies want to know what kind of driver you are before you sign a policy. Using millions of data points, they can assess your risk to and therefore, your premium. Insurance companies do differ in what factors they put the most emphasis on. For example, one company may determine that and older driver is a lot less risky and will give that person a lower rate. Whereas another company may not even look at age when determining insurance rates. Here is a small snapshot of some of the variables companies use to determine insurance rates in Rhode Island:

  • Address
  • Age
  • Gender
  • Insurance history
  • Driving/claims record
  • Make and model of your vehicle
  • Use of your car
  • Credit score

What Rhode Islanders Pay For Auto Insurance

For a relatively affordable cost, auto insurance provides you tens of thousands of dollars in coverage. That doesn’t mean you should ever overpay though. Here is where we found the cheapest insurance rates:

Average Annual Rates

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How To Save On Auto Insurance

Saving money is smart. Lucky for drivers, there are numerous auto insurance discounts that can decrease your premium. Here are some popular discounts you should see if you qualify for when comparing quotes:

  • Multiple vehicle discount
  • Good student discount
  • Auto and home package discount
  • Low mileage discount
  • Multi-car discount
  • E-pay discount
  • Safe driver discount

Did You Know?

Rates go up if you get a ticket and if you drive a car that’s commonly stolen. We don’t want to scare you into selling your car if it’s on this list, but we wanted to point it out. Here are the most stolen cars in Rhode Island*:

  • Nissan Maxima
  • Honda Accord
  • Dodge Caravan
  • Honda Civic
  • Toyota Camry
  • Nissan Altima
  • Jeep Cherokee/Grand Cherokee
  • Toyota Corolla
  • Plymouth Voyager
  • Ford Pickup

*According to

Speak With Rhode Island Agents

Still have questions about your car insurance or are you ready to start shopping? Our licensed agents know the ins-and-out of Rhode Island auto insurance and can explain it to you in a way that clicks. They can also get you free quotes from top companies so you can begin comparing rates. Don’t pay more than you have to. Call [mapi-phone /] to talk to an agent today.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!

Rhode Island Driver Resources

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