What is the state requirement for auto insurance in Rhode Island?

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Auto insurance is required for all vehicles registered in Rhode Island. To legally comply you must carry the following amounts of liability insurance coverage:

  • $25,000 for bodily injury or death per person.
  • $50,000 for bodily injury or death per accident.
  • $25,000 for property damage per accident.
Keep in mind that these figures represent the state's legal minimum amounts. Depending on your vehicle situation you always have the option to carry higher amounts of protection. Apart from Rhode Island's liability requirements, you are also free to take out comprehensive or collision coverage, or even coverage for towing and labor.

The state does not mandate personal injury protection (PIP), or what many refer to as no-fault insurance.

Carry Proof of Rhode Island Car Insurance

You must carry proof of auto insurance at all times. If you allow it to lapse your provider, by law, must notify the DMV. If you cannot provide proof of insurance when stopped, you'll be given 10 days to present evidence of coverage. Failure to do so could result in a $500 fine and 90-day suspension.

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