Cheap Car Insurance in Rhode Island

Rhode Island may be a small state in a geographic sense but that doesn’t mean auto insurance rates are also small. According to, residents of the Ocean State will pay on average $1,608 in auto insurance premiums, putting the state in tenth place nationwide. For this reason, residents of the state should compare prices online to make sure they get the best rates possible.

What Are Rhode Island Car Insurance Requirements?

Rhode Island requires a minimum Bodily Injury coverage of $25,000 per person and $50,000 for more than one person per accident. The Property Damage coverage must be at least $25,000. The state also requires Uninsured or Underinsured Motorist coverage of at least $25,000 per person and $50,000 for more than one person per accident.

Though these are only the minimum requirements for drivers in the state, most drivers choose additional coverage for a variety of reasons. Those who finance a vehicle may be required to purchase additional coverage by their lenders to protect their loans.

Drivers in the state must carry proof of insurance if they are stopped by police. Not being able to show proof of insurance may bring a $500 fine. Driving without insurance can bring a fine ranging from $500 to $5,000, and can cause the revocation of a license plate and vehicle registration for a period of time. Additionally, driving without insurance can bring jail time as a misdemeanor offense.

Discounts in Rhode Island

Drivers in Rhode Island may obtain auto insurance discounts by avoiding accidents, having more than one policy or multiple vehicles covered with the same company, being a loyal policyholder, having safety features such as airbags, having security devices, and driving infrequently. Teenagers may qualify for discounts if they maintain good grades in school, and older drivers may qualify for a discount by taking a driver’s refresher course. Which of these discounts is available will depend on the insurer.

Residents of the state can search for a reputable insurer at Get your free quote today for cheap car insurance at the top of this page or right below.