Minimum Car Insurance in Rhode Island
The liability limits Rhode Island requires, whether it is a no-fault state, and whether uninsured motorist or PIP coverage is required.
Short answer: Rhode Island requires an owner's liability policy of at least 25/50/25: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage, or a $75,000 combined single limit. R.I. Gen. Laws §§ 31-47-2, 31-47-12(c)
| Minimum coverage required | Rhode Island requires an owner's liability policy of at least 25/50/25: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage, or a $75,000 combined single limit. Alternatives include a financial security bond, a $75,000 deposit of cash or securities, or a certificate of self-insurance. |
|---|---|
| At-fault or no-fault | Rhode Island uses the at-fault (tort) system: the driver who causes a crash is responsible for the resulting injuries and damage, paid through liability insurance. The Alabama Department of Insurance's national table of state auto insurance laws lists Rhode Island among the "Tort States." |
| Uninsured motorist coverage | Required unless reduced in writing. Insurers must provide uninsured motorist bodily injury coverage equal to the insured's bodily injury liability limits; the named insured may choose lower limits in writing, but not below $25,000/$50,000, except that someone buying only the minimum required coverage may reduce it to zero after signing an advisory notice approved by the Department of Business Regulation. Uninsured motorist property damage coverage can be rejected in writing (and is not required if the insured has collision coverage); it carries a $200 deductible unless otherwise agreed. Source: R.I. Gen. Laws § 27-7-2.1 |
More Rhode Island car insurance & vehicle laws
- Driving Without Insurance in Rhode Island
- SR-22 Insurance in Rhode Island
- When a Car Is a Total Loss in Rhode Island
- Transferring a Car Title in Rhode Island
- All Rhode Island car insurance & vehicle laws rules
FAQ
What is the minimum car insurance required in Rhode Island?
Rhode Island requires an owner's liability policy of at least 25/50/25: $25,000 for bodily injury to or death of one person, $50,000 for bodily injury to or death of two or more people in one accident, and $25,000 for property damage, or a $75,000 combined single limit. Alternatives include a financial security bond, a $75,000 deposit of cash or securities, or a certificate of self-insurance.
Is Rhode Island a no-fault car insurance state?
Rhode Island uses the at-fault (tort) system: the driver who causes a crash is responsible for the resulting injuries and damage, paid through liability insurance. The Alabama Department of Insurance's national table of state auto insurance laws lists Rhode Island among the "Tort States."
Is uninsured motorist coverage required in Rhode Island?
Required unless reduced in writing. Insurers must provide uninsured motorist bodily injury coverage equal to the insured's bodily injury liability limits; the named insured may choose lower limits in writing, but not below $25,000/$50,000, except that someone buying only the minimum required coverage may reduce it to zero after signing an advisory notice approved by the Department of Business Regulation. Uninsured motorist property damage coverage can be rejected in writing (and is not required if the insured has collision coverage); it carries a $200 deductible unless otherwise agreed.
General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.