Rhode Island Car Insurance Requirements in 2026 (RI Minimum Coverage Simplified)
Rhode Island car insurance requirements include 25/50/25 for property damage and bodily injury liability. RI car insurance rates start at $28 monthly. Failure to meet these standards can result in a $500 fine and a 3-month license suspension. Find the best coverage option in Rhode Island and learn how to avoid these penalties.
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Updated August 2025
Rhode Island car insurance requirements mandate drivers to carry 25/50/25 liability coverage to drive legally in Rhode Island, with rates starting at $28 per month.
If you fail to show proof of your car insurance, you can be penalized with a $500 fine and a three-month license suspension.
Rhode Island Auto Insurance Minimum Coverage Requirements
| Coverage | Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $25,000 per accident |
Read our guide to understand more about Rhode Island car insurance requirements, penalties, fines, and how to get free quotes online.
- The required auto insurance coverage in Rhode Island is 25/50/25
- Get the cheapest coverage in Rhode Island from USAA, State Farm, and Travelers
- See other coverage options in Rhode Island like comprehensive and collision
Enter your ZIP code to find coverage that meets Rhode Island car insurance requirements. Compare car insurance rates in RI to save.
RI Auto Insurance Requirements & What They Cover
In Rhode Island, all personal vehicles must carry minimum liability coverage to operate legally on the road. This includes bodily injury liability with limits of $25,000 per person and $50,000 per accident and property damage liability with a $25,000 limit.
In addition, Rhode Island mandates bodily injury coverage for uninsured and underinsured motorists with the same limits of $25,000 for every person and $50,000 per accident.
While these are Rhode Island requirements, it’s also important to note that North Carolina requires bodily injury coverage for uninsured and underinsured motorists as part of its insurance standards.
Learn more about these auto insurance requirements by entering your ZIP code.
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Cheapest Car Insurance in Rhode Island
USAA offers the cheapest auto insurance in Rhode Island, followed by State Farm and Travelers.
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Min. Coverage in Rhode Island
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Min. Coverage in Rhode Island
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Min. Coverage in Rhode Island
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1,734 reviewsMonthly rates for minimum coverage vary by city, with Newport having the lowest average at $80 and Central Falls and Providence the highest at $95.
Rhode Island Min. Coverage Car Insurance Monthly Rates by City
| City | Rates |
|---|---|
| Central Falls | $95 |
| Cranston | $90 |
| East Providence | $88 |
| Johnston | $87 |
| Newport | $80 |
| Pawtucket | $92 |
| Providence | $95 |
| Warwick | $85 |
| Westerly | $82 |
| Woonsocket | $90 |
Insurance costs also differ by provider, age, and gender. USAA consistently offers the lowest rates across all demographics, with rates as low as $75 per month for a 60-year-old female driver.
Car Insurance Monthly Rates in Rhode Island by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
 | $350 | $380 | $180 | $200 | $130 | $140 | $100 | $110 |
 | $335 | $365 | $170 | $190 | $120 | $130 | $90 | $100 |
 | $345 | $375 | $175 | $195 | $125 | $135 | $95 | $105 |
 | $320 | $350 | $160 | $180 | $115 | $125 | $85 | $95 |
 | $330 | $360 | $165 | $185 | $120 | $130 | $90 | $100 |
 | $340 | $370 | $170 | $190 | $125 | $135 | $95 | $105 |
 | $310 | $340 | $155 | $175 | $110 | $120 | $80 | $90 |
 | $320 | $350 | $160 | $180 | $115 | $125 | $85 | $95 |
 | $330 | $360 | $165 | $185 | $120 | $130 | $90 | $100 |
 | $290 | $320 | $150 | $170 | $105 | $115 | $75 | $85 |
Young drivers, especially 17-year-old males, typically face the highest premiums across all insurers.
Car Insurance Monthly Rates in Rhode Island by Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $90 | $110 | $140 | $180 |
| $89 | $109 | $139 | $179 |
| $95 | $115 | $145 | $185 |
| $78 | $98 | $128 | $168 |
| $98 | $115 | $145 | $190 |
| $95 | $113 | $143 | $183 |
| $88 | $108 | $138 | $178 |
| $85 | $105 | $135 | $175 |
| $92 | $112 | $142 | $182 |
| $80 | $100 | $130 | $170 |
To get the best deal, comparing quotes based on your age, location, and driving history is essential.
Read more: What does car insurance cover?
Penalties for Driving Without Car Insurance in RI
If you cannot show proof of insurance when asked in Rhode Island, you may face serious consequences, including a $500 fine or a three-month suspension of your driver’s license.
The state requires all drivers to maintain car insurance coverage that meets specific minimum requirements. Rhode Island has established strict penalties for those caught without proper coverage to deter uninsured driving.
Staying informed about the state’s insurance rules and regulations is essential for legal mandatory compliance and ensuring your safety and that of your passengers.
Read more: Liability Insurance
Additional Coverage Options for Drivers in Rhode Island
Insurance companies often group comprehensive and collision car insurance together. Comprehensive coverage covers incidents such as damage from flooding or a fire.
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It can also add protection against car thieves (view a list of the most stolen vehicles in Rhode Island). Collision adds protection against your car in the event of an accident. It pays for any repairs needed or replacement of your car. Learn how you can protect your vehicle by entering your ZIP code.
Frequently Asked Questions
What are the minimum car insurance coverage requirements in Rhode Island?
Rhode Island auto insurance requires drivers to carry a minimum of 25/50/25 insurance coverage to drive legally.
What penalties can you face in Rhode Island for not having the required car insurance?
Rhode Island car insurance laws impose a $500 fine and a three-month license suspension for failing to maintain required coverage. See how you can avoid these penalties by entering your ZIP code.
Which company offers the lowest car insurance rates in Rhode Island?
As highlighted in the Rhode Island auto insurance guide, USAA offers the most affordable rates across most age groups in the state.
Read more: Cheapest Car Insurance Companies
How do monthly insurance rates vary by city in Rhode Island?
Minimum car insurance in Rhode Island varies by city, with Newport at $80 monthly and Central Falls and Providence at $95.
What factors influence car insurance premiums in Rhode Island?
According to Rhode Island auto insurance coverage trends, premiums are affected by age, gender, driving history, and location. See other factors influencing your premium by entering your ZIP code.
How does USAA compare to other providers like State Farm and Travelers in terms of rates?
For most demographics, USAA is typically more affordable than State Farm or Travelers when meeting RI car insurance requirements.
Read more: Understanding Usage-Based Car Insurance
What is the difference between comprehensive and collision coverage?
Beyond the basics, Rhode Island auto insurance requirements recommend adding comprehensive and collision for complete protection.
What proof is required to show financial responsibility for car insurance in Rhode Island?
Do you need car insurance in Rhode Island? Yes, all drivers must carry proof of insurance, such as an ID card, at all times. See what a driver in Rhode Island must carry by entering your ZIP code.
How can uninsured or underinsured motorist coverage benefit drivers in Rhode Island?
Under Rhode Island car insurance laws, uninsured/underinsured motorist coverage is required to protect against at-fault drivers with insufficient insurance.
Read more: Types of Car Insurance Coverage
What steps can Rhode Island drivers take to find the most affordable car insurance policy?
The best way to meet RI car insurance requirements and save money is by using the Rhode Island auto insurance guide to compare quotes based on your unique profile.
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