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Rhode Island Auto Insurance

Rhode Island, or the “Ocean State”,” is the smallest state in the country.  Although it is the smallest state in the country, it is certainly not the least populated.  The small land area plus a population of over one million people make Rhode Island quite a crowded place.  The large number of residents in such a small place makes the roadways in the state of Rhode Island rather congested.  To drive in the state of Rhode Island without proper auto insurance would be a fool’s under-taking.  Continue reading below to learn more about the state of Rhode Island and also the auto insurance situation in this quaint New England state.

picture of RI

Read below to learn more about the auto insurance situation in the state of Rhode Island.

About Rhode Island

Rhode Island is one of the oldest states in the country.  Founded in 1650 by Roger Williams, Rhode Island was once a place where Puritans, Catholics, Jews, Protestants, and other religious groups could go to escape persecution in Europe.  Along with the rest of the northeastern United States, Rhode Island quickly shot up in population during the birth of our nation.

Nowadays, Rhode Island is a state of just over 1,000,000 people.  Its capital and largest city is Providence, known for Italian food, Brown University, Rhode Island School of Design, and thriving art scene.  Rhode Island is also home to Newport, a coastal town lined with beachfront mansions that used to be the playground of the rich and famous.  Southern Rhode Island is known for its beautiful beaches.  As you can see, although small, the state of Rhode Island is filled with great big things.

Rhode Island Transportation Situation

Public transportation in the state, while not as convenient as nearby NYC and Boston systems, still exists.  The state is served by RIPTA, the Rhode Island Public Transit Authority, which operates busses throughout the city of Providence and the rest of the state.  In addition, the MBTA (Massachusetts Bay Transit Authority), operates their commuter rail service in Rhode Island with stops in both the cities of Providence and Warwick.

Many roadways and highways run through the state of Rhode Island.  Route 95, which runs from Maine to Miami, FL, goes right through the state of Rhode Island.  Route 1, the oldest highway on the east coast, also cuts through the state.  Other major roads that lay the foundation of RI include Rt. 10, 6, 195, and 295.

Rhode Island Auto Insurance Requirements

Like with every other state in the country, Rhode Island residents need auto insurance.  The insurance minimums in the state, as mandated by the RI Division of Motor Vehicles, is as followed:

Bodily Injury Liability Coverage

-As low as:
$25,000 per person
$50,000 per accident

-As high as:
$250,000 per person
$500,000 per accident

Property Damage Liability Coverage

-As low as:
$25,000 per accident / $75,000 combined single limit

-As high as:
$100,000 or more

Personal Injury Protection (PIP) Coverage


Uninsured/Underinsured Motorist Coverage

$25,000 per person
$50,000 per accident

Collision Coverage


Comprehensive Coverage


While these numbers may be the “minimums” that you need to be equipped with in the state of Rhode Island, they are certainly not the recommended coverage amounts.  Driving in Rhode Island, or anywhere in the country for that matter can be dangerous.  We recommend that you always have more than the minimum required to make sure you are covered in the event of an accident.  To learn more about what these coverage types are and what these numbers mean, check out our guide on the different types of auto insurance.

Rhode Island Auto Insurance Rates

Rhode Island’s high population, crowded roadways, high accident rates, and relatively high rate of crime, might spell doom for your wallet if you plan on purchasing auto insurance in the state. Rhode Island was recently ranked as the seventh most expensive state to insure your vehicle in.  The average expenditure for a United States resident is just over $1600 annually.  For Rhode Island residents, these insurance rates can be much higher.  The average rate in Providence is $2534, in Warwick its $2321, and in Cranston its $2322.

Getting Cheap Auto Insurance In RI

As you can see, insurance rates in the state of Rhode Island can be quite expensive, but they don’t have to be.  Residents of Providence, Newport, or any other part of the state can find cheap insurance if they know how and where to look for it.  Our recommended method is to always compare rates from multiple insurance agencies and to find a custom plan at a rate you can afford.  To begin, enter your Rhode Island zip code (ex. 02886) in the quote box above.  After filling out our brief form, you will be given rates from the top insurance agencies in the Ocean State.

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