Rhode Island Auto Insurance

state of Rhode IslandIn order to find affordable policies, it is important to compare auto insurance quotes in Rhode Island. According to multiple surveys that were conducted, the average premium in RI is among the highest in the United States. The state's department of business regulation strongly suggests that residents comparison-shop in order to save. Providers vary in both price and service to policyholders, therefore it pays to shop around.

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Cheap Rhode Island Car Insurance

Getting the proper coverage at the cheapest rate possible is most consumers' priority. Unfortunately, according to the state's Consumer Guide to Auto Insurance, many people do not compare the prices for policies as diligently as they should and therefore over pay for coverage. This is often due to the fact that motorist are unaware that premiums can vary greatly with each provider. While comparing companies may seem like it could be time consuming, it can locate the cheapest rate and doesn't have to take up much time at all.

Completing an online auto insurance comparison is a fast and effective way to locate lower premiums. When comparing RI car insurance quotes make sure to take advantage of any discount that may be available. Certain discounts can lower rates as much as 20%. If some still seem a little high, keep comparing. Quotes are free and do not require any obligation to buy; so compare different coverage options and limits to see if they become more affordable. The more choice a person has, the better chance they will find what they are looking for. 

Rhode Island Auto Insurance Laws

The state follows the tort system. This means that required coverage is not to protect the insured, but other drivers in the event that the policyholder is found legally responsible for injuries or damages that they caused as a result of a traffic accident. This is known as financial responsibility and most comply with the RI car insurance laws with the purchase of liability policies which consist of three major parts;

Bodily Injury Liability (BIL) with limits of $25,000 per person and $50,000 per accident;

Property Damage Liability (PDL) $25,000 per accident and;

Uninsured/Underinsured Motorist coverage (UM/UIM) $25,000 per person and $50,000 per accident.
Rhode Island state seal
Bodily injury liability coverage pays for injuries to other persons caused by an accident where the insured is at fault whereas property damage liability pays for damages to other people's properties. Neither pay for any damages or injuries sustained by the covered person. Furthermore, uninsured motorist coverage protects the insured in the event that they are injured or sustain property damage by a hit-and-run driver or a motorist who is underinsured or does not have a policy.

Questions about RI Auto Insurance

  • Who Regulates Rhode Island Auto Insurance Rates?

    Rhode Island state flagCar coverage providers in Rhode Island set rates based on a number of details. For a resident to receive a quote, an insurer usually determines the individual's statistical likelihood of filing a claim in the future and sets prices accordingly. Those considered to be at a higher risk of...

  • Is Auto Insurance Needed in Rhode Island?

    Rhode Island state flagDrivers in the smallest state in the nation do not necessarily have to purchase auto insurance coverage to drive legally, but they do have to prove that they are financially responsible, and many residents do so by buying a policy. Alternate methods of proving financial responsibility for...

Rhode Island Coverage News

  • Rhode Island Database Verifies Car Insurance of Drivers

    July 15, 2014 - Rhode Island is a step closer to kicking off an automated system to identify uninsured drivers in the state. Last year, lawmakers there passed a law to create the Rhode Island Insurance Verification System (RIIIVS). The law went into effect this ...

  • Rhode Island to Create Database to ID Uninsured Drivers

    July 25, 2013 - Rhode Island Gov. Lincoln Chafee recently OK'd a proposal to create an insurance database identifying uninsured drivers that officials are aiming to have up and running next summer. Gov. Chafee signed off on legislation last week that authorizes the state's Department of Motor Vehicles (DMV) to begin culling possible contractors. According ...

  • Industry Decries Finalization of Rhode Island Auto Repair Bill

    July 18, 2013 - To the chagrin of the insurance industry, Rhode Island Gov. Lincoln Chafee finalized a piece of legislation this week that limits when insurers can declare a car a total loss. HB 5263, and its companion bill SB 465, bars car insurers from labeling a vehicle as a total loss if the cost to "rebuild or reconstruct" the vehicle ...

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  • Rating Rhode Island Car Insurance Companies

    Jan 18, 2012 - In Rhode Island motorists must be insured to legally drive, but they also have the ability to choose their own coverage provider. Making that decision should involve careful research and rating. In the Ocean State there are...

  • Auto Insurance and Young Rhode Island Drivers

    Dec 09, 2011 - Multiple studies have shown that younger motorists have a higher tendency to take unnecessary risks, drive while distracted, forgo seat belts and combine alcohol and driving. These tendencies contribute to...

  • High Risk Auto Insurance in Rhode Island

    Oct 03, 2011 - According to the Rhode Island Department of Health, someone is injured in a car crash every 10 seconds in the U.S. These accidents are often accompanied with vehicle damage or...