Instant Rhode Island Car Insurance Quote – RI Auto Insurance

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The best way to find a Rhode Island car insurance quote is by going online. Of course since you’re here, you already know that. So to get your free instant quote, just use the form above.

You may of course be wondering how you can compare one quote to another. To find out more about what you should be looking for in your Rhode Island auto insurance policy, please keep reading. You’ll find information about laws, minimums, rates and more.

Minimum Auto Insurance Requirements In Rhode Island

The first thing to know about Rhode Island auto insurance is that you have a large number of potential insurance coverage options for varying amounts of money. While more insurance is almost always better, only some car insurance is mandatory. Therefore, it is important to differentiate between what you have to buy and what you should buy.

Presently, you are required by law to purchase three different types of insurance in the following amounts:

  • $25,000 per person bodily injury (BI) liability insurance;
  • $50,000 per accident bodily injury (BI) liability insurance;
  • $25,000 per accident property damage (PD) liability insurance;
  • Uninsured/Underinsured Motorists coverage is mandatory if you purchase more than the basic coverage listed above. It should equal your liability insurance limits.

There are several important points to mention about your insurance requirements as they differ slightly compared to other states. First, you can opt out of Uninsured/Underinsured motorist coverage, but only if you only get the minimum amount of BI and PD coverage. This is in a bad idea in virtually all cases. You should strongly consider getting an insurance policy with higher liability limits, with a corresponding amount of Uninsured/Underinsured motorist coverage.

Second unlike many other states, Rhode Island Uninsured/Underinsured motorist coverage covers both bodily injury and property damage ($200 deductible applies). This means the coverage you get is more complete and protects you better than it would elsewhere. It is also another reason why you are encouraged to buy this type of coverage.

Finally, you should ask your insurance agent or company about other types of auto insurance to buy. Liability insurance only pays out to another driver when you’re at fault at an accident. Uninsured/Underinsured Motorist coverage only pays you, when you get in an accident with another driver, who doesn’t have sufficient coverage. However, if you cause an accident basic insurance does not protect you. Thus, consider additional coverage options such as collision, comprehensive and medical payment insurance.

Rhode Island State Auto Insurance Laws

As you saw above, insurance is mandatory in Rhode Island. Nevertheless, there are still many things you need to know about insurance in the state if you want to be fully protected. Two of the best resources for Rhode Island auto insurance laws come from straight from the horse’s mouth. The Department of Business Regulation, Insurance Division maintains two useful pages.

The first is their Legal Information page. It contains up to date information about where you can find various insurance laws in the state and other important state insurance information. The second page is the Rules & Regulations page. It contains links to all the various insurance laws in effect in the state at the present time.

Since November, 1993 Rhode Island has required all drivers to be financially responsible for their vehicles. This is because the state operates under the tort system of at fault insurance. You buy insurance to essentially transfer your own personal risk, to that of your insurance company for bodily injury and property damage.

You are still responsible for your actions, but insurance is designed to protect you from potentially life ruining financial costs that can arise from an accident. It is also for this reason why the State of Rhode Island takes the issue of buying insurance so seriously. If you fail to buy and maintain proper insurance, you may face a variety of penalties from fines to the suspension of your driving privileges.

Finally, there are a few other important legal issues many people wonder about. If you are worried about your insurance policy being canceled for any reason you should read Insurance Regulation 16, which lays out the rules for why an insurance company can cancel or choose not to renew your auto insurance policy.

You are also required to show proof of insurance under a variety of different situations. Generally speaking you should always have proof of insurance with you at all times when you drive and/or you visit the DMV. In most cases your insurance card should suffice, but as always you can check with the Insurance Division and/or your agent/company to learn more.

For more about companies licensed to do business in the state see the next section.

Rhode Island Car Insurance Companies

To buy the right auto insurance policy you need to find the right company. Rhode Island certainly has no shortage of licensed insurance companies to choose from. Yet, in many ways this just makes your job harder.

To find a company that offers competitive rates quickly, you have to look online. Therefore, you can either get a free insurance quote from us (see form above) or visit the websites of insurers who offer quotes of their own. The following companies are all members of the Insurance Information Institute (I.I.I.) and are among the largest insurance companies in the state.

Allianz of America, Inc.

Allstate Insurance Group

Bituminous Insurance Companies

Chubb Group Of Insurance Companies

Farmers Group, Inc.


The Hanover Insurance Group, Inc.

The Hartford Financial Services Group

Harleysville Insurance

Holyoke Mutual Insurance Company

Liberty Mutual Group

MetLife Auto & Home


The Norfolk & Dedham Group

OneBeacon Insurance Group



Zurich North America

Now just because these companies are all members of the I.I.I. does not necessarily mean they are the best for what you need. Before you buy any auto insurance policy in Rhode Island you should at least look at enforcement actions taken by the Division of Insurance and insurance company’s financials.

Finally, if you are having problems with your Rhode Island car insurance company, you should at least consider filling out a complaint form. The information you provide may be able to help other motorists, if you happen to have the bad luck of buying a policy from a bad company.

Average Rhode Island Auto Insurance Rates

Drivers in Rhode Island on average pay more for their auto insurance. How much more is matter of some debate, but all other things being equal you will pay more if you insure your car here. The Insurance Information Institute found the state to be the 7th most expensive in 2008, with average annual premiums of $986. also found the state to be much more expensive than the national average. Their 2011 premium index shows that the average car insurance quote in Rhode Island comes out to $2,127, compared to the average quote of $1,446 in the rest of the country.

So if you’re moving to Rhode Island from lower cost states, be prepared for a little bit of a price shock. You can learn more about the factors and discounts used to determine final premium costs from the Insurance Division’s Guide to Auto Insurance. Finally, shopping around is an easy way to save money and you can get free quotes just by using the form below.

Rhode Island Car Accident Statistics

Although your car insurance rates may end up being higher in Rhode Island, your chance of getting killed in an accident are lower. According to the National Highway Traffic Safety Administration (NHTSA), the state had just 83 traffic fatalities in 2009.

This was actually nearly 20 more than the year before, yet even with this increase it remains safer than the average state. In 2009, there were 1.01 fatalities per 100 million vehicle miles traveled in Rhode Island and 1.14 in the country as a whole. In every year of the past 5, the state has been significantly safer than the national average. This is despite the fact that drinking and driving accidents make up a far greater number of fatalities compared to the rest of the country (41% in RI vs 32% in the US).

In terms of the number of fatalities, the NHTSA reports that the counties were ranked as follows (most to least fatalities): Providence County, Washington County, Newport County, Kent County and Bristol County. To learn more about what the state is doing to increase driver safety have a look at the Department of Transportation’s Highway Safety campaign.

Instant Rhode Island Car Insurance Quotes

Get instant Rhode Island car insurance quotes today and choose among established and licensed insurance companies in the state. These car insurance companies are offering you competitive rates for your insurance policy. So your task is finding one with the right combination of protection that fits your budget.

You may even want to opt for a modified car insurance policy, where you get to choose the coverage that suits you best. Car insurance quotes usually differ from one company to the other. So, it is best to look around before buying. You may even get great discounts when they find out that you are an exceptional driver.

A Rhode Island car insurance quote definitely provides you with a good place to start with less of the hassle. Just enter your zip code below. Then choose from any of the listed insurance companies. Then fill-in the remaining information to get your quote. This way you’ll get each company’s most competitive price available.

Knowing the rates for your auto insurance quote is important; just as knowing what kind of insurance coverage you want to buy is. The last thing to do before buying, is to make sure the company offering the policy is sound. You can get started now and see what rates you could be paying.

Enter Your Rhode Island Zip Code:

Insurance For Rhode Island’s Cities


More Information

Rhode Island Department of Business Regulation: Division of Insurance Regulation

State of Rhode Island: Division of Motor Vehicles

Consumers Guide To Auto Insurance by the Rhode Island Department of Business Regulation – Insurance Division

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