Rhode Island Auto Insurance
When it comes to driving, Rhode Island is a state of firsts. For example, Pelham Street was the first street in the country to use gas illuminated streetlights, and Judge Darius Baker imposed the first jail sentence for speeding in an automobile on August 28, 1904 in Newport. It's amazing how much the roads in Rhode Island have changed too, which is exactly why Rhode Islanders need good auto insurance.
Request a free R.I. auto insurance quote in only a few, easy steps!
Rhode Island car insurance basics
- The Ocean State of Rhode Island follows a Tort system, meaning that someone must be found to be at fault for causing an auto accident, and that person and their insurance company is responsible for all the damages as a result of the accident.
- State law in Rhode Island requires that all resident drivers have minimum Bodily Injury Liability insurance with limits of $25,000 per injured person up to $50,000 per accident, as well as Property Damage Liability insurance with a minimum limit of $25,000.
- To help protect you and your family against damages caused to you and any passengers by an uninsured or underinsured motorist, Rhode Island requires you to have a minimum Uninsured/Underinsured Motorist protection of $25,000 per person up to $50,000 per accident for any personal injury caused by the uninsured/underinsured driver. This type of coverage, though required, is of great benefit to you, simply because 14% of drivers in Rhode Island are uninsured.
Rhode Island auto insurance premiums
The average auto insurance premium for residents of Rhode Island is $2,181, which is substantially higher than the national average of $1,766, and 3% higher than Rhode Island residents paid last year.
Finding low cost Rhode Island auto insurance rates has never been easier. We can help you find the lowest local car insurance rates available to protect you and your family. Rising car insurance costs make now the perfect time to shop for new Rhode Island auto insurance. Requesting Rhode Island auto insurance is actually quite easy. We've made it even easier. Just request a free, no obligation quote and we can get you started right away!