Drivers in Rhode Island are required by law to carry minimum auto liability insurance to operate a vehicle. The state uses an at-fault system where the responsible party must pay for damages. This guide outlines Rhode Island’s insurance rules and important updates for 2025.
Minimum Liability Coverage Required
Rhode Island law mandates the following minimum liability limits:
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $25,000 per accident
Commonly known as 25/50/25 coverage, these are the minimums to legally drive.
Uninsured and Underinsured Motorist Coverage
Insurance providers must offer uninsured and underinsured motorist coverage (UM/UIM) to policyholders, but drivers can reject it in writing. UM/UIM coverage protects you if you’re in an accident caused by a driver without sufficient insurance.
Additional Optional Coverages
Many Rhode Island drivers choose to enhance their coverage with options such as:
- Collision and Comprehensive Coverage
- Medical Payments Coverage
- Roadside Assistance and Rental Car Reimbursement
These additional coverages help protect your vehicle and reduce out-of-pocket expenses.
Consequences of Driving Without Insurance
Rhode Island imposes serious penalties for uninsured driving, including:
- Fines and court costs
- Suspension of driver’s license and vehicle registration
- Possible vehicle impoundment
- Mandatory SR‑22 filing for reinstatement
Maintaining continuous coverage is essential to avoid these consequences.
Insurance Verification Process
The state uses an electronic verification system that checks whether vehicles are insured. You may receive notices requiring proof of insurance, even if you are not stopped by law enforcement.
Frequently Asked Questions about Rhode Island Car Insurance
What are Rhode Island’s minimum car insurance requirements in 2025?
Rhode Island requires at least $25,000 bodily injury liability per person, $50,000 per accident, and $25,000 in property damage liability.
Does Rhode Island use electronic insurance verification?
Yes. Rhode Island has an electronic verification system to ensure drivers maintain continuous insurance coverage.
What are the penalties for driving without insurance in Rhode Island?
Penalties include fines, suspension of driving privileges, and the requirement to file an SR-22 certificate for reinstatement.
Can Rhode Island suspend your vehicle registration for insurance lapses?
Yes. The state may suspend registration and license until valid proof of insurance is provided.
Compare Rhode Island’s insurance requirements with nearby states:
Connecticut,
Massachusetts, and
New York.