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Rhode Island car insurance

Rhode Island Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Rhode Island mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times. Anyone caught driving without valid auto insurance coverage will have their license suspended until they can provide proof of coverage.

Rhode Island Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Rhode Island they are as follows:

  • Bodily Injury for One Person: $25,000
  • Bodily Injury for All Injuries: $50,000
  • Property Damage: $25,000

Rhode Island Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Rhode Island recommends but does not require everyone to carry minimum UM/UIM coverage of $25,000 per person and $50,000 per accident.

No Fault Insurance
In Rhode Island, you are not required to carry no-fault insurance. Rhode Island is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.