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Rhode Island’s Auto Insurance Regulations And Common Policies

Rhode Island uses a tort system which is utilized when settling losses due to auto accidents. The tort system is where you purchase liability insurance that protects “other” drivers who you could be legally bound to answer to if there is considerable damage or medical expenses.

In short, when you purchase your liability policy you transfer the “liability” under the tort laws to the insurance firm, for example, the insurance steps into your shoes and pays for damages. The minimum car insurance requirements for Rhode Islands are as follows:

Minimum Car Insurance Requirement for Rhode Island

CoverageRhode Island Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$25,000 $50,000
Uninsured Motorist*Optional$100,000 / $300,000
ComprehensiveOptional$250 deductible
CollisionOptional$500 deductible
Medical PaymentOptional$5,000

*Uninsured Motorist is a requirement unless declined in writing. Typically this is wrapped into liability and property damage coverage.

Note: Approximately 17 percent of drivers are uninsured in the State of Rhode Island. If you are in an automobile accident with an uninsured motorist you will not be covered if you decided to decline the coverage in writing.

Bodily Injury Liability

Bodily injury liability covers the hospital bills of the driver and passengers of the other automobile. Under the minimum needed coverage, the insurance firm will cover up to $25,000 for a single person and up to $50,000 for multiple passengers for a single car accident.

Property Damage Liability

Property damage liability covers repairs to private and public property like places of business, guard rails, and road signs as well as the other drivers vehicle. Minimum coverage will make allowances for a maximum payout of $25,000 per accident.

The set limit would be 25/50/25 or in insurance terms that is the minimum liability cover and the maximum payout in thousands the insurance will cover if you have purchased only the minimum.

Uninsured Motorist Protection (UM)

Other cover that is required (can be decline in writing) when driving in RI is Uninsured Motorist Protection or (UM) since the state has a high density of drivers and as many as two out of ten drivers at any given time are uninsured in the state. If you get “only” the minimum liability cover then you can decline to purchase uninsured motorist protection.

What is Covered with Uninsured Motorist Protection

UM cover is going to cover you in the event you are in an accident with an uninsured motorist. In other words, UM covers what the other driver should have had for minimum coverage when in an automobile accident. If you have an accident with an uninsured driver, after payment to for damages, your insurance company is likely to sue the other driver for the money paid to you because of negligence. Other optional coverage to consider is comprehensive, collision, medical payment cover, rental reimbursement, and towing.

Cheapest Auto Insurance Companies in Rhode Island by Rank

RankRhode Island Car Insurance CompanyAverage Annual Rate
3State Farm$912
6Cal Casualty$1,267
7Quincy Mutual$1,325
9Liberty Mutual$1,467
12National Grange Mutual$1,764

*USAA covers only families and their children affiliated with the Military and Armed Forces. A spouse or person previously in the Armed Services may be able to get insurance through USAA.

Graph – Affordable Auto Insurance Providers

This graph shows the cost and cheapest auto insurance firms in Rhode Island, USAA, GEICO, State Farm, Amica, Allstate

Graph 2 – Top Ten Affordable Auto Insurance Providers

This graph shows the cheapest auto insurance companies in Rhode Island USAA, GEICO, State Farm, Amica, Allstate, and their cost per year.

Rhode Island, a System of Tort

It is important to realize if you reside in Rhode Island you are under their system which is tort. Since the state is small there is good chance you could be in a state which is “no-fault”. If you are involved in an accident in the “no-fault” state then you will revert to that system and not RI’s tort. When comparing your car insurance rates at the top of the page, and you find a policy that fits your needs you may want to discuss this with the insurance agent or broker.

Common policy packages for motorists in RI

    • Bodily Injury Liability – 100,000/300,000

    • Property Damage Liability – 50,000

    • Uninsured Motorist Protection – 100,000/300,000

    • Comprehensive Coverage – $250 deductible

    • Collision Coverage – $500 deductible

    • Medical Payment Coverage – $5,000

Available Discounts

When you are looking for car insurance quotes in RI you want to be sure you can get all the available discounts. Some of the discounts which are available in the state:

  1. Multi-vehicle policy
  2. Good Student
  3. Anti-theft devices
  4. Driver Education Courses
  5. Low Mileage
  6. Dividends – Not considered discounts, but dividend pay-outs can be applied to a premium.
  7. Multi-policy – If you are going to insure you home and vehicle.
  8. Good driver and renewal discount

Illustration of Discounts in Rhode Island

This graphs show the auto insurance discounts in Rhode Island and how much you save in percentage points.

Note: When discounts are combined you received more percentage drop in your rates. Your discount will vary with insurance company, driver history, and other influential factors. As illustrated by the graph good driver history and safety are higher savings.

Second Illustration

This is pie graph showing the percentage of discount for lowering your auto insurance rates in the state of Rhode Island
Note: As illustrated by the graph, your biggest savings are good driver and safety features. If combined with other discounts your savings are greater.

Local Car Insurance Agents in Rhode Island & Avg. Premium

*Click on any link to search local car insurance agents.

CityAvg. PremiumCityAvg. Premium
Bristol$1,754North Kingstown$1,349
Manville$1,698North Providence$1,398
Central Falls$1,819North Scituate$1,456
Charlestown$1,627North Smithfield$1675
Cranston$2,138Peace Dale$1,484
East Greenwich$1,755Portsmouth$1,343
East Providence$1,833Providence$2,254
Harrisville$1,562West Greenwich$1,329
Hope Valley$1,492Warwick$1,401
West Warwick$1,312Warren$1,724

Table of Cheapest Insurers in Major Cities


RankAuto Insurance CompanyAvg. Premium
3State Farm$912
4City of Providence Avg.$2,254


RankAuto Insurance CompanyAvg. Premium
1State Farm$813
4City of Warwick Avg.$1,715


RankAuto Insurance CompanyAvg. Premium
2Quincy Mutual$1,123
3State Farm$1,178
4City of Cranston Avg.$2,138
Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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