Compare car insurance quotes from several top insurance companies and find the cheapest auto insurance rates in the state of Rhode Island in less than 5 minutes. Let CheapQuotesCarInsurance.com teach you everything you need to know about buying affordable auto insurance that fits your budget and your lifestyle. Learn about Rhode Island minimum car insurance requirements and how the cost of auto insurance in Rhode Island compares to the cost of auto insurance in other states. We offer top online car insurance comparison tools for Rhode Island residents. Car insurance rates change every year, so be sure to view quotes from at least two insurance companies and lower your car insurance premiums today.
Rhode Island Minimum Car Insurance Requirements:
Rhode Island state law requires that car insurance policies must include a minimum bodily injury liability coverage limit of $25,000 for one person in an accident and $50,000 for all persons injured per accident. The minimum property damage liability coverage limit is $25,000. These minimum coverage limits for Rhode Island are more commonly listed as 25/50/25. In Rhode Island, you may decline to purchase uninsured/underinsured motorist coverage if you choose to buy only minimum limits of bodily injury and property damage liability as required by law. Otherwise, RI requires Uninsured/Underinsured Motorist coverage with minimum limits of $25,000 for one person in an accident and $50,000 for all persons injured per accident for any bodily injury caused by an uninsured or underinsured driver.
Rhode Island’s Most Common Car Insurance Coverage
|
Coverage |
RI Minimum Car Insurance Requirements |
RI Most Common Car Insurance Coverage |
|
Bodily Injury Liability |
$25,000/$50,000 |
$100,000/$300,000 |
|
Property Damage Liability |
$25,000 |
$50,000 |
|
Uninsured Motorist Bodily Injury |
Not required in some cases* $25,000/$50,000 |
$100,000/$300,000 |
|
Medical Payments |
Not required |
$5000 |
|
Collision |
Not required |
$500 deductible |
|
Comprehensive |
Not required |
$250 deductible |
* You may decline to purchase uninsured/underinsured motorist coverage if you choose to buy only minimum limits of bodily injury and property damage liability
The cheapest Rhode Island auto insurance policies will only meet the minimum state requirements for insurance coverage, but many customers will want and need more insurance coverage including: coverage for uninsured/underinsured motorists, medical payments, personal injury protection, collision, and comprehensive coverage. Discover which coverage is best for you.
Rhode Island Auto Insurance Laws
Rhode Island is NOT a no-fault state but rather follows a Tort system. This means that the driver who is at-fault in the accident and the at-fault driver’s insurance company pays the victim’s medical expenses. Also, the victim has the option to file a claim against the at-fault driver for additional and related damages including lost wages and pain and suffering.
Average cost of Car Insurance in Rhode Island
The National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute (I.I.I.) provide data about car insurance premiums for all 50 states. Rhode Island residents spend an average of $1017 per year for car insurance (liability coverage). Rhode Island ranks as the 46th cheapest state to buy auto insurance. The national average is $811 per year for car insurance (liability coverage). In 2010, Rhode Island car insurance premiums have decreased slightly compared to 2009. Now is the time to compare auto insurance rates from multiple providers to lower your car insurance premiums.
We offer local car insurance quotes available in all of Rhode Island including:
Bristol
Cranston
East Providence
Newport
North Providence
Pawtucket
Providence
Warwick
West Warwick
Woonsocket
Insurance companies weigh the factors that affect your car insurance rates differently so everyone’s rates will be different for each company. Smart auto insurance shoppers will compare quotes from several car insurance companies to find the cheapest car insurance quote possible. CheapQuotesCarInsurance.com has partnered with top insurance companies like Geico, Nationwide, AllState, Esurance, Liberty Mutual, and Travelers to provide our customers with affordable quotes from highly reputable insurance providers. Enter your zip code and answer several general questions about your driving history to compare Rhode Island auto insurance rates and save money on your auto insurance premiums.
To contact Rhode Island’s department of Insurance:
dbr.state.ri.us
Mailing address:
Rhode Island Department of Business Regulation
1511 Pontiac Avenue
Cranston, RI 02920
Phone number
(401) 462-9500
Fax number
(401) 462-9532