Car Insurance in Rhode Island
Car Insurance Liability Requirements in Rhode Island
Minimum Liability Limits in RI: 25/50/25 [ 4]
25 Required coverage up to $25,000 for one individual injured in an accident
50 Required coverage up to $50,000 for all persons injured in an accident
25 Required coverage up to $25,000 for property damage in an accident
Note: These amounts are the minimum required by the law. Drivers may opt to purchase auto insurance above the mandatory minimums. Note: Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy.
Required Car Insurance Coverage in Rhode Island
Auto Insurance Coverage Requirements in RI [ 4]
Bodily injury liability coverage Property damage liability coverage Car Insurance Verification Laws in Rhode Island
Insurer Verification of Auto Insurance in RI [ 4]
Insurer must verify randomly selected insurance policies upon request.
Rhode Island Car Insurance Facts, Estimates & Related Laws
Rhode Island Car Insurance Facts
Average Car Insurance Rates in RI
Rhode Island had the 7th highest auto insurance rates in the nation in 2010.
[ 2] Rates in RI ranked 7th in the nation in 2009.
[ 2] In 2008, RI had the 7th highest rates in the country.
Number of Auto Insurance Policies in RI
Rhode Island ranked 45th in the nation in auto insurance policies in 2011 with a total of 672,594.
Uninsured Motorist Rate in RI
The uninsured motorist rate in RI ranked 9th in the nation in 2009.
Rhode Island Distracted Driving Laws
Hand-held phone ban? No
Texting-while-driving ban? Yes Texting-while-driving ban in place for all drivers. [ 7]
Young drivers cell phone ban? Yes Ban applies to drivers younger than 18. [ 7]
Bus driver cell phone ban? Yes Ban applies to school bus drivers. [ 7]
Enforcement of laws:
Primary enforcement in effect.
[ 7] With primary enforcement, a police officer can pull over a driver for that specific offense.
Under a primary law, a police officer can stop a driver for that specific offense. Under a secondary law, an officer must stop a driver for a primary offense before ticketing for the secondary offense.
Rhode Island Automotive Laws
Safety Belt Laws in RI
Safety belt laws have been in place since 1991 and apply to drivers/passengers 18+ years in all seats.
[ 7] Child restraint law in place for 7 years and younger and less than 57 inches and less than 80 pounds.
Motorcycle Helmet Laws in RI
Motorcycle helmets required for 20 and younger.
[ 7] Rhode Island\'s motorcycle helmet use law covers all passengers (regardless of age) and all operators during the first year of licensure (regardless of age). [ 7]
Driver's License Renewal Cycle in RI
Renewal cycle: 5 years
Rhode Island Auto & Driver Facts
Rhode Island Automotive Facts
Speed Limits in RI
Rural interstates: 65 mph
[ 7] Urban interstates: 55 mph
[ 7] Other roads: 55 mph
Motor Fuel Consumption in RI
Rhode Island cities collectively ranked 48th in the nation in total motor fuel consumption in 2011.
Rhode Island Licensed Drivers
Licensed Drivers in RI [ 10]
Total Drivers: 749,706
RI has the 44th most drivers in the U.S.
Minimum Driving Age in RI [ 5]
Rhode Island has a minimum driving age of 16 years.
Rhode Island Auto Registrations
Auto Registrations in RI [ 8]
Registered Cars: 527,589
Registered Trucks: 356,122
Registered Motorcycles: 33,085
Total Registrations: 918,823
Rank: Rhode Island ranked 46th in the United States in total auto registrations in 2011.
Additional information about Rhode Island
About Rhode Island
Rhode Island has a population of approximately 1,052,567, which ranks 43rd in the U.S. among all states.
More about Rhode Island auto insurance
For more information about auto insurance in RI, or for additional resources regarding
Rhode Island car insurance, visit the Rhode Island Department of Insurance.
Did you know?
Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.
1. ^ Automobile Insurance Plans Service Office (AIPSO)
2. ^ National Association of Insurance Commissioners (NAIC)
3. ^ Insurance Research Council (IRC)
4. ^ Insurance Information Institute (III)
5. ^ Insurance Institute for Highway Safety (IIHS)
6. ^ United States Census Bureau
7. ^ IIHS & Highway Loss Data Institute
8. ^ Office of Highway Policy Information
9. ^ U.S. Department of Transportation
10. ^ Federal Highway Administration