Rhode Island car insurance: minimums, prices and your estimate
Rhode Island requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
Rhode Island is an at-fault state with no PIP requirement. Uninsured motorist coverage must match your bodily injury limits unless you lower it in writing, and state law limits how insurers can use credit scores, age and some accidents against you.
Since January 1, 2026, insurers may not surcharge you just for asking about your policy terms.
- Legal minimum
- 25/50/25
- Fault system
- At-fault
- Personal injury protection
- Not required
- Uninsured motorist
- Required
- Underinsured motorist
- Required
- Credit-based pricing
- Allowed with limits
- Gender-based pricing
- Allowed
- High-risk proof filing
- SR-22
What drivers in Rhode Island can expect to pay
Monthly ranges from our model, anchored to Rhode Island's position in 7 published price studies from 2025 and 2026 ($3,570 a year for full coverage and $1,043 for minimum coverage for a standard adult driver; which studies). Suburban ZIP code, mid-size sedan a few years old.
| Driver | Estimated monthly | About per year |
|---|---|---|
| Adult, full coverage35, clean record, 100/300/100, $500 deductibles | $256-$339 | $3,570 |
| Adult, state-minimum coverage35, clean record, only what the law requires | $75-$99 | $1,043 |
| Young driver, full coverage20, own policy, clean record | $476-$714 | $7,140 |
| Senior, full coverage70, clean record | $232-$308 | $3,234 |
| After one at-fault accident35, full coverage | $384-$508 | $5,355 |
| After a DUI35, full coverage | $448-$671 | $6,712 |
| Poor credit35, clean record, full coverage | $456-$657 | $6,676 |
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Rules worth knowing in Rhode Island
- Uninsured motorist coverage, which includes underinsured drivers, must equal your bodily injury liability limits unless you choose lower limits in writing, never below 25/50. You can drop it entirely only if you buy minimum coverage and sign 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 you carry collision coverage. Claims under it for collision damage have a $200 deductible.
- Insurers cannot decline you, or cancel, nonrenew or raise your rate, based only on your insurance score, with exceptions for existing customers after events such as bankruptcy or foreclosure. Every two years you can ask for an updated score, and the insurer must pass on any resulting rate decrease.
- Drivers 65 and older with no chargeable accidents or moving violations in 3 years cannot be penalized for age alone. Insurers also cannot surcharge you for an accident in which you were 50% or less at fault, or for property damage claim payments under $3,000.
- Driving uninsured can bring a license and registration suspension of up to 3 months and a $100 to $500 fine for a first offense, rising to up to 1 year and $1,000 for a third offense.
- Rhode Island can require SR-22 style proof of insurance, including to reinstate after an uninsured-driving suspension; the state sets how long you must keep it, so check with the Rhode Island DMV.
Questions about Rhode Island car insurance
What is the minimum car insurance in Rhode Island?
Rhode Island requires at least $25,000 of bodily injury liability per person, $50,000 per accident, and $25,000 of property damage liability (written 25/50/25).
How much is car insurance in Rhode Island per month?
For a 35-year-old with a clean record, our model puts full coverage at about $256 to $339 a month and state-minimum coverage at about $75 to $99. Age, record, car, ZIP code and the company you choose move the real number a lot.
Is Rhode Island a no-fault state?
At-fault (tort) state: the driver who causes a crash, and their insurer, pays for the other side's injuries and damage.
Can insurers in Rhode Island use my credit score?
Yes, within limits set by state law, so better credit usually means a lower price when you buy a new policy.
Do I need an SR-22 in Rhode Island?
Only if a court or the state requires one, usually after a serious violation or a lapse. Rhode Island can require SR-22 style proof of insurance, including to reinstate after an uninsured-driving suspension; the state sets how long you must keep it, so check with the Rhode Island DMV.