Rhode Island Auto Insurance Policy Requirements

Q: What is in a basic Rhode Island auto insurance policy?

A: Consumers can add these main options to their Rhode Island auto insurance policy:

  1. Liability Coverage
    1. Since property and people are completely separate insurance concepts, liability insurance is divided into two types:
      1. Bodily Injury Liability Coverage
      2. Property Damage Liability Coverage
    2. Liability coverage is required in Rhode IslandTo legally drive in Rhode Island, one must have a valid driver’s license and also the minimum of liability coverage in his or her auto insurance policy:
      1. 25/50/25” (Rhode Island’s minimum auto insurance requirement)
      2. $25,000 for injury/death to one person.
      3. $50,000 for injury/death to two or more people.
      4. $25,000 for property damage.
    3. Liability minimums are different for vehicles that are leased.
  2. Collision Coverage is a legal requirement when your vehicle is financed (not completely paid for). It is optional for your Rhode Island auto insurance policy if the vehicle is not financed.
  3. Comprehensive Coverage, similar to collision, is only required if you are still paying off your vehicle. If the vehicle has been fully financed, and is thus paid for, comprehensive is not required in your Rhode Island auto insurance policy.
  4. Medical Payments Coverage is advisable to include in a Rhode Island auto insurance policy though it is not required.
  5. Uninsured (and Underinsured) Motorist Coverage is required in Rhode Island.
  6. Personal Injury Protection (PIP) Coverage is not required under Rhode Island state law.
  7. Other Options for your Auto Insurance Policy
    1. Towing Coverage
    2. Rental Coverage
    3. Loan/Lease Gap Coverage
Q: Is Rhode Island a No-Fault state? 
A: No, Rhode Island is not a no-fault insurance state.
Q: How can I get a discount on a Rhode Island auto insurance policy
A: To see if you are eligible for the several ways you may be able to save money on your policy, take a look at our list of auto insurance discounts.
Q: Where can I find more information about Rhode Island auto insurance? 
A: You can consult the following official internet resources for more information on insurance coverage in the state of Rhode Island:
  1. Rhode Island Insurance Resources
    1. The Rhode Island Division of Motor Vehicles (DMV) manages the issuance of driver’s licenses, vehicle titles, and registration and includes a list of all insurance requirements.
    2. The DMV.org Rhode Island page helps inform the public of insurance laws and how to find a provider.
  2. National Insurance Resources

Residents of the country’s smallest state, Rhode Island, can enjoy the top services of CLICKinsure agents. From Providence to Narragansett Bay, Rhode Island offers many options in auto insurance plans and residents can find reliable insurance information and coverage when they select CLICKinsure as their broker.