Comparing auto insurance in Rhode Island is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Rhode Island drivers may want to consider comprehensive coverage because coastal storms, flooding, winter weather, theft, vandalism and falling branches can cause losses that state-minimum liability coverage will not pay for.
Rhode Island average rates are above Bankrate’s listed national averages for both full and minimum coverage. Rates can rise further after speeding tickets, at-fault accidents, DUI convictions, poor credit or coverage lapses.
25/50/25
Rhode Island requires at least $25,000 bodily injury liability for one person, $50,000 bodily injury liability for two or more people in one accident, and $25,000 property damage liability. A $75,000 combined single limit may also satisfy the minimum liability requirement.
At Fault
Offer/Rejection Rule
PIP is not required in Rhode Island. Rhode Island is an at-fault state, so injury and property damage claims generally depend on who caused the crash.
Required
Rhode Island auto policies generally include uninsured/underinsured motorist bodily injury coverage unless the coverage is properly rejected or reduced under state rules. Insurers must offer UM/UIM bodily injury limits equal to the bodily injury liability limits in the policy and must offer uninsured motorist property damage coverage of at least $25,000.
Source: Rhode Island Department of State / Rhode Island Insurance Regulation
Recent rate data estimates Rhode Island annual auto insurance premiums at about $2,991 for full coverage and $910 for minimum coverage.
| Driver Profile | Estimated Annual Premium | Estimated Monthly Premium |
|---|---|---|
| State minimum coverage | $910 | $76 |
| Full coverage | $2,991 | $249 |
| Full coverage with speeding ticket | $3,540 | $295 |
| Full coverage after at-fault accident | $3,104 | $259 |
| Full coverage after DUI | $5,675 | $473 |
| Full coverage with poor credit | $5,426 | $452 |
Bankrate, 2026
Source: Bankrate
Average rates are sample premiums and will vary by ZIP code, driver profile, vehicle, coverage limits, deductibles, credit tier and insurer.
Rhode Island minimum coverage focuses on required protection such as Rhode Island requires at least $25,000 bodily injury liability for one person, $50,000 bodily injury liability for two or more people in one accident, and $25,000 property damage liability. A $75,000 combined single limit may also satisfy the minimum liability requirement.. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Rhode Island DMV guidance says the state no longer requires SR-22 financial responsibility filings. Drivers with suspensions or reinstatement issues should still follow any DMV or court notice they receive and maintain valid Rhode Island liability insurance.
Rhode Island does not use FR-44 filings.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your Rhode Island auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to Rhode Island drivers, including:
Ask about bundling, safe-driver, paid-in-full, good-student, multi-policy, multi-vehicle, paperless billing, anti-theft and telematics discounts. Drivers in Providence, Pawtucket, Cranston and other higher-cost ZIP codes may benefit from comparing several carriers.
Ask about available discounts when comparing quotes.
| Rank | Carrier |
|---|---|
| 1 | USAA |
| 2 | Geico |
| 3 | Travelers |
| 4 | Amica |
| 5 | Nationwide |
Carrier pricing and availability vary by ZIP code and driver profile. USAA eligibility is limited to military members, veterans and qualifying family members.
Find auto insurance in these major Rhode Island cities:
Rhode Island requires 25/50/25 liability coverage: $25,000 bodily injury liability for one person, $50,000 for two or more people in one accident and $25,000 property damage liability. A $75,000 combined single limit may also satisfy the minimum liability requirement.
No. Rhode Island is an at-fault state, so the driver who causes a crash can be held financially responsible for injuries and property damage.
No. PIP is not required in Rhode Island.
Rhode Island auto policies generally include uninsured/underinsured motorist bodily injury coverage unless it is properly rejected or reduced under state rules. Insurers must also offer uninsured motorist property damage coverage of at least $25,000.
Bankrate lists Rhode Island’s average annual cost at $2,991 for full coverage and $910 for minimum coverage. Actual quotes depend on ZIP code, driving record, vehicle, coverage limits, deductibles, credit tier and insurer.
No. Rhode Island DMV guidance says the state no longer requires SR-22 financial responsibility filings. Drivers should still maintain valid liability insurance and follow any DMV or court reinstatement requirements.
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
