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Rhode Island Car Insurance Resources

Rhode Island Car Insurance

Car Insurance Rates in RI

^ From 2006 to 2010, Rhode Island cities had the 7th highest auto insurance rates in the nation. [2]

Car Insurance in RI by City

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Cars Insured in RI

^ Rhode Island ranked 45th of all U.S. states in total auto insurance policies in 2011. [1]

RI Car Insurance

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

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

Rhode Island Car Insurance Facts, Estimates & Related Laws
  • 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. [2]
  • 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. [1]
  • Uninsured Motorist Rate in RI
    • The uninsured motorist rate in RI ranked 9th in the nation in 2009. [3]

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. [7]
  • 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 [7]

Rhode Island Auto & Driver Facts

Rhode Island Automotive Facts

Rhode Island Auto & Driver Facts
  • Speed Limits in RI
    • Rural interstates: 65 mph [7]
    • Urban interstates: 55 mph [7]
    • Other roads: 55 mph [7]
  • Motor Fuel Consumption in RI
    • Rhode Island cities collectively ranked 48th in the nation in total motor fuel consumption in 2011. [9]

Rhode Island Licensed Drivers

  • Licensed Drivers in RI [10]
    • Total Drivers: 749,706
    • Female: 382,262
    • Male: 367,444
    • 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. [6]

RI Car Insurance

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.

References

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

Rhode Island Cities