Rhode Island Car Insurance Regulations & Required Coverage

Rhode Island car insurance regulations require all drivers to maintain current car insurance coverage with specific minimum requirements. Rhode Island auto insurance law is based on the tort system. In a tort system, someone must always be found to be at fault in an accident. The at-fault party, along with their insurance company, is then held responsible for paying damages. Learn more below.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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Rhode Island mandates that all drives maintain current car insurance coverage with specific minimum requirements. For drivers caught driving in Rhode Island without insurance, the state has set penalties in place. Staying up to date on Rhode Island insurance rules and regulations can help keep you and your passengers safe and on the right side of the law.

Insurance law in Rhode Island is based on the tort system. In a tort system, someone must always be found to be at fault in an accident. The at fault part, along with their insurance company, is then held responsible for paying damages from the accident.

Required Coverage

All personal vehicles in Rhode Island require the following liability coverage requirements:

  • Bodily Injury
  • Property Damage

Additionally, North Carloina requires the following coverage:

  • Uninsured / Underinsured Motorist Bodily Injury
Minimum Rhode Island Car Insurance Requirements
Bodily Injury Liability $25,000 / $50,000 Limit
Property Damage Liability $25,000 Limit
Uninsured/Underinsured Bodily Injury $25,000 / $50,000 Limit

Additional insurance coverage can include:

  • Comprehensive and Collision Coverage

Comprehensive and collision insurance are many times grouped together by insurance companies. Comprehensive covers such incidents as damage from flooding or from a fire. It can also add protection against car thieves (view a list of the most stolen vehicles in Rhode Island). Collision adds protection against your vehicle in the event
of an accident. It pays for repairs or replacement of your vehicle.

Proof of Insurance and Financial Responsibility

Establishing proof of insurance and financial responsibility

  • Get a standard liability car insurance policy

Required Documentation

In order to provide proof of insurance, you can provide one of the following:

  • Insurance ID Card

You must maintain proof of insurance and financial responsibility and present it:

  • When asked by a police officer
  • After an accident
  • Anytime you drive your vehicle

Failure to Maintain Financial Responsibility Penalties

If you are unable to show proof of insurance when asked, you can face one of the following penalties:

  • A $500 fine
  • Suspension of license for 3 months
Rhode Island mandates that all drives maintain current car insurance coverage with specific minimum requirements. For drivers caught driving in Rhode Island without insurance, the state has set
penalties in place. Staying up to date on Rhode Island insurance rules and regulations can help keep you and your passengers safe and on the right side of the law.

Rhode Island Insurance Agents

Providence Car Insurance | Warwick Car Insurance | Cranston Car Insurance | Pawtucket Car Insurance | East Providence Car Insurance | Woonsocket Car Insurance | Newport Car Insurance | Lincoln Car Insurance

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