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Rhode Island- Auto Insurance

Rhode Island has laws that govern when and under what conditions motor vehicles may be operated safely.  All motor vehicles in operation in the state must have minimum levels of insurance coverage provided by the vehicle owners.

In order to maintain compliance with state law and avoid penalties and punitive action, the following levels of insurance are the minimal amounts of coverage required before operating a vehicle in Rhode Island:

  • Single Person Bodily Injury coverage at $25,000 per accident.
  • Multiple Person Bodily Injury coverage at $50,000 per accident to cover all persons involved.
  • Property Damage coverage at $25,000 to repair or replace damage done to the property of others in an accident.

Proof of insurance is required at all times while operating a vehicle in the state of Rhode Island. If you are stopped by a law enforcement officer you will be required to provide proof of proper insurance coverage for your vehicle.

If your license is suspended and your registration revoked, you will have to provide proof of coverage to the state in order to get both restored in addition to paying significant penalties and fines to the state which can total more than $500.


Rhode Island Dept. of Business Regulation
Div. of Insurance Regulation
233 Richmond St.
Providence, RI 02903
Phone: 401-222-2246
Fax: 401-222-6098


Rhode Island (RI) Mandatory Auto Insurance Minimums:

  • Liability: 25/50/25 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage.
  • Other Mandatory auto insurance: Uninsured Motorist.
  • Regulations Regarding Insurance Proof: No proof required.
  • Penalties For Not Carrying Mandatory Insurance: First Offense = $500 fine maximum, 3 months suspension of license or registration maximum.

Inside Rhode Island- Auto Insurance