Is Rhode Island a no-fault state?

No, Rhode Island is an at-fault state, which means the driver responsible for an accident may have to pay for the other party's injuries and property damage.

How do I lower my car insurance in Rhode Island?

You may be able to lower your rate by maintaining a clean driving record, qualifying for discounts, or adjusting your coverage and deductibles. You can also compare quotes from multiple insurers to look for a lower rate. Before reducing coverage or raising a deductible, consider how much you could afford to pay out of pocket after a claim.

Is car insurance required to register a vehicle in Rhode Island?

Yes, Rhode Island requires valid insurance information when you register a vehicle, and you must maintain liability insurance while the vehicle is registered.

What happens if you drive without insurance in Rhode Island?

Driving without the required insurance may lead to fines and suspension of your license and vehicle registration. For a first offense, Rhode Island law allows a fine of $100 to $500 and a suspension of up to three months. Penalties increase for subsequent offenses.

Rhode Island car insurance

Product

Bundle Save an average of 5% on auto in most states!^Δ

Get a quote

Getting car insurance in Rhode Island

Whether your commute takes you through I-95 or Ten Rod Road, we can help you find the right coverage. With the Name Your Price® tool, you can explore coverage options based on the price you want to pay. Looking for the best rate? Our rate comparison tool lets you compare our quote against competitors, making it easy to find the right price for the coverage you need.

Jump to section:

Required coverages
Discounts
Average cost
Cost factors
Optional coverages
Driving resources
FAQs

What are the minimum auto insurance requirements in Rhode Island?

Rhode Island currently requires drivers to carry liability insurance with the following minimum limits.

Coverage	What it covers	Minimum amount
Bodily injury liability	Injuries you cause to others in an accident	$25,000 per person $50,000 per accident
Property damage liability	Damage you cause to someone else's vehicle or other property in an accident	$25,000 per accident

Rhode Island also requires insurers to offer uninsured/underinsured motorist (UM/UIM) bodily injury and uninsured motorist property damage coverage (UMPD). You may reject these coverages or choose lower limits in writing (You don't need to reject UMPD in writing if you have collision coverage).

Coverage	What it covers	Minimum amount
Uninsured/underinsured motorist bodily injury	Injuries caused by an uninsured or underinsured driver and certain property damage caused by an uninsured driver	$25,000 per person $50,000 per accident
Uninsured motorist property damage	Damage to your vehicle and other property caused by an uninsured driver	$25,000 per accident

Rhode Island's minimum coverage limits may not go far if you're at fault in a serious accident, so higher limits may offer better financial protection. See how much car insurance you may need based on your net worth, what you own, and more.

Switch and save with Progressive

Ready to make the switch? Drivers nationwide who switch and save with Progressive save over $950 on average.^* Get an auto insurance quote today.

Car insurance discounts in Rhode Island

Progressive offers a variety of discounts to help Rhode Island drivers get a better deal on car insurance. Popular discounts include:

Savings!

Bundle & save
Save with a multi-policy discount when you bundle home and auto, boat and auto, or any two Progressive policies.
Electronic funds transfer (EFT)
Save when you set up automatic payments from your checking account through electronic funds transfer. Automatic payments can also make it easier to keep your policy payments on schedule.
Online quote
Save when you start your Progressive auto insurance quote online. You can review coverage options and pricing as you move through your quote.

What is the average cost of car insurance in Rhode Island?

Car insurance costs an average of $174.62 per month in Rhode Island for a liability-only policy from Progressive in 2025.^† That amount is based on one vehicle and one driver. Your rate may differ based on factors such as your driving record, vehicle, location, coverage choices and other rating factors.

Factors that impact your auto insurance rate in Rhode Island

Insurers consider several details when setting your auto insurance rate in Rhode Island, including:

Driving history: Your accident and violation history may affect your rate. A clean driving record may help you qualify for a lower premium.
Vehicle type: Your car's make, model, age, safety technology, and repair costs are factored into your price.
Location: Rates may reflect traffic, accident frequency, theft, and other risks where you live. Rhode Island's densely populated communities, such as Providence, can create different driving conditions than less populated areas.
Vehicle use: How often and how far you drive may affect your rate. Drivers with long commutes or more annual mileage may pay more.
Coverage choices and deductibles: The coverage, limits, and deductibles you choose affect your premium. Higher limits or additional coverage generally cost more, while a higher deductible may lower your rate.

Recommended additional auto insurance coverages in Rhode Island

Rhode Island requires bodily injury and property damage liability coverage, but these coverages may not cover all costs after an accident. Additional coverages may help protect you and your vehicle beyond Rhode Island's minimum liability limits.

Coverage	What it covers
Comprehensive	Cost to repair or replace your car if it's stolen or damaged by hail, fire, wind, flooding, vandalism, animal collisions, and other covered events
Collision	Cost to repair your vehicle if it's damaged in a collision with another vehicle or object, regardless of fault

If you finance or lease your vehicle, your lender or leasing company may also require comprehensive and collision coverages.

Rhode Island driving resources

Learn more about Rhode Island's driving laws and insurance requirements. Keep in mind that local governments may have additional rules or requirements.

Rhode Island Division of Motor Vehicles: Find information about driver's licenses, vehicle registration, insurance requirements, and other DMV services.
Rhode Island Division of Insurance: Review consumer insurance information, coverage guidance, and complaint resources.
RIDOT Office on Highway Safety: Find information about speeding, impaired driving, distracted driving, seat belts, motorcycle safety, and other traffic safety programs.
RIDOT Traveler Information: Check current traffic incidents, road conditions, live cameras, and travel advisories across Rhode Island.

How to get car insurance in Rhode Island with Progressive

Progressive gives Rhode Island drivers several ways to get a quote and compare coverage options. With our rate comparison tool, you can compare your Progressive quote with rates from other insurers.

Go online

We ask easy questions, and you customize your coverages.

Quote auto insurance
Call a rep

Talk with a licensed representative who can guide you through the process.

Call 1-855-347-3939
Through an agent

Connect with an independent agent in your area.

Find an agent in Rhode Island

Rhode Island car insurance FAQs

No, Rhode Island is an at-fault state, which means the driver responsible for an accident may have to pay for the other party's injuries and property damage.