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. And as a driver in Rhode Island, the first thing you should think about is auto insurance.
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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 before any claims are paid.
- 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.
- Rhode Island requires you to have a minimum Uninsured/Underinsured Motorist protection for any personal injury caused by the uninsured/underinsured driver, which is a good idea anyways, 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. Just request a free, no obligation quote and we can get you started right away!