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Rhode Island Car Insurance

Rhode Island is a state that requires a minimum amount on the carrying of the car insurance in order to keep a vehicle on the road.
It is required to carry $25,000 in bodily liability insurance and up to $50,000 per accident you are involved in also with a minimum of $25,000 in property damage. The basic coverage is also known, in Rhode Island RI, as 25/50/25 coverage plan with 25/50 UM limits.

Rhode Island RI also follows the Tort Plan as many other states do nowadays, which means that the person must be found guilty of the accident and that both the convicted driver and their insurance company will both be held financially responsible for the accident and all damages incurred, this particular system, of course varies from state to state.

It is quite easy to look for the car insurance in Rhode Island RI by way, of either calling insurance companies in your area or even getting online and shopping for the best, and yes, cheapest rates out there. As of 2006, the average premium price for car insurance in Rhode Island was $1,038.00, the 7th most expensive in the nation.

It should also be noted here that in the event that you are without your proof of insurance, for your first offense, you can be fined up to $500.00 and your license suspended for three months, if you, however, can show your insurance papers within 10 days, the fees, etc. may be waived. 


In the state of Rhode Island, exclusions of coverage for drivers living in a household, meaning that unless all drivers within that household are on the current policy, then the insurance company does not have to cover any accidents, etc. of any driver in said household if they are not on the policy and current, hence, it is most important that every driver in your household that will be driving your car be insured and up-to-date on that policy.

If you let your insurance lapses in RI and you are caught driving without it, your license will be taken away until you can prove that you now have insurance.

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Rhode Island Car Insurance

Although Providence, Warwick, Cranston, Pawtucket, and East Providence are the biggest cities in Rhode Island cheap car insurance rates vary from city to city and rates in Woonsocket may or may not be different than Coventry. Whether you live in Cumberland, North Providence, West Warwick or some other city in Rhode Island take 5 minutes and get free Car Insurance quotes now. If you are looking for additional ways to save take a look at our resources for finding Cheap Car Insurance in Rhode Island.


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Top Cities in Rhode Island With Cheap Auto Insurance