Rhode Island car insurance

See if you could be saving on your Rhode Island car insurance by switching to Mapfre.

A guide to Rhode Island auto insurance

Car insurance requirements in Rhode Island are shaped by the state’s unique laws. Rhode Island follows a fault-based system, which means the driver who causes an accident is responsible for the resulting damage. That’s why it’s so important to understand your options and secure the right protection for your needs.

Navigating these choices is easier than you think. Start by understanding Rhode Island insurance laws and reviewing your options with the guidance of a trusted independent agent. With the right information and the right partner, you can drive with confidence. Getting a free online quote with Mapfre Insurance is the perfect place to start!

Rhode Island car insurance laws

To legally operate or register a vehicle in Rhode Island, auto insurance is mandatory. At a minimum, you’ll need liability coverage to protect against injury or property damage you may cause in an accident.

Legal minimum limits for auto insurance in Rhode Island

Rhode Island required auto insurance coverage	Rhode Island required minimum limits
Bodily injury liability coverage	$25,000 per person $50,000 per accident
Property damage liability coverage	$25,000 per accident

What car insurance covers in Rhode Island

Car insurance laws and coverage differ by state, so it’s important to understand what mandatory car insurance in Rhode Island covers.

Required Rhode Island auto insurance coverage:

There are two required car insurance coverages for operating a vehicle in Rhode Island:

Bodily injury liability coverage

Bodily injury liability coverage protects you financially if you cause an accident that injures someone else (not yourself). It typically covers medical bills, lost wages, legal fees, and pain and suffering. Rhode Island’s minimum coverage is $25,000 per person and $50,000 per accident, but higher limits (up to $250,000 per person and $500,000 per accident) are available and often recommended due to rising costs.

Damage to someone else’s property coverage

Property damage coverage pays for repairs to property you damage in an at-fault accident, including other vehicles. The legal minimum in Rhode Island is $25,000 per accident, but with repair costs rising, higher limits (up to $250,000) are available and often advisable.

Optional coverages in Rhode Island:

While not required by law, choosing additional coverage such as collision, comprehensive, and medical payments can provide extra protection. If you lease or finance your car, your lender may require collision and comprehensive coverage.

Collision coverage

Covers repairs to your car after an accident, regardless of who was at fault. This includes collisions with other vehicles or with objects such as guardrails or trees.

Comprehensive coverage

Covers damage to your car from incidents other than collisions, such as theft, weather-related events, or hitting an animal.

Medical payments coverage

Helps pay your medical bills and those of your passengers after a car accident, regardless of who is at fault.

Uninsured/Underinsured motorist bodily injury coverage

Pays for injuries to you and your passengers when an accident is caused by a hit-and-run driver, a driver that has no insurance, or a driver whose insurance is insufficient to cover your losses.

Uninsured/Underinsured motorist property damage

Pays to repair or replace your vehicle when it is damaged by a hit-and-run driver, a driver that has no insurance, or a driver whose insurance is insufficient to cover your losses.

Accident forgiveness

Enjoy added confidence on the road with Accident forgiveness, which is included in the Peace of Mind Package. Your first chargeable accident in three years will be forgiven, and for every year you stay claim-free, you’ll earn a deductible credit that keeps lowering your out-of-pocket costs until it reaches zero. If you ever file a claim, your credits reset when your policy renews.

Additional coverage available in Rhode Island

Drivers in Rhode who insure their cars with Mapfre can further enhance their policy with additional key coverages:

- Other-than-collision (OTC) $0 glass deductible
- AutoMaster Elite package endorsement
- Additional custom equipment coverage
- Loan/Lease payoff loss settlement endorsement
- Motor home/Travel trailer endorsement
- New car enhanced coverage (NCEC)

Contact your local independent agent to learn more about these additional auto insurance coverages.

Rhode Island car insurance discounts

Getting the right coverage is important, but saving while you do it is even better. At Mapfre Insurance, we offer a variety of discounts to help you get the best value on your auto policy. Some of the savings opportunities include:

- Paid in Full
- Multipolicy
- Auto club member
- Accident prevention course
- Distant student
- Good Student
- Motorcycle safety course
- Anti-theft

Ready to see how much you can save? Ask your local independent agent about which discounts may apply to you.

Trusted coverage in Rhode Island

Drivers and homeowners across Rhode Island choose Mapfre for a simple reason: we deliver reliable protection with exceptional service. Thousands of customers agree, which is why Mapfre boasts 4+ star ratings on Google and Trustpilot. Our financial strength is also recognized by AM Best, which rates Mapfre Insurance at “A” (Excellent). With Mapfre, you’ll get more than coverage. You’ll get confidence that your car, your home, and your peace of mind are always protected.

Find a Rhode Island insurance agent near you

Choosing the right coverage is easier when you have a trusted partner by your side. That’s why Mapfre Insurance works with independent agents across the Ocean State. This gives you access to expert advice, personalized options, and potential savings. To locate the agent nearest you, use our agent locator or select your city in Rhode Island below:

Bristol insurance agents

Cranston insurance agents

East Providence insurance agents

Johnston insurance agents

Lincoln insurance agents

North Providence insurance agents

Pawtucket insurance agents

Providence insurance agents

South Kingstown insurance agents

Warwick insurance agents

Westerly insurance agents

Woonsocket insurance agents

Mapfre Insurance is committed to making buying car insurance in Rhode Island as simple as possible. Find an agent near you, or start a quote online to see if you could be saving on your Connecticut car insurance by switching to Mapfre.

Common questions about Rhode Island car insurance

Can you drive without insurance in Rhode Island?

In Rhode Island, drivers cannot legally operate a motor vehicle without car insurance.

What car insurance is required in Rhode Island?

The legal minimum limits for mandatory car insurance coverage in Rhode Island is:

Bodily injury liability coverage: $25,000 per person and $50,000 per accident
Property damage liability coverage: $25,000 per accident

How much will car insurance in Rhode Island cost?

To get an idea of what you might pay for car insurance in Rhode Island, you can get a quote online or talk with a Rhode Island insurance agent.

Does insurance follow the car or driver in Rhode Island?

In Rhode Island, insurance follows the vehicle, not the driver.

What happens if you can’t get insurance in Rhode Island?

If you’re having trouble finding car insurance in Rhode Island, you can still get coverage through the Rhode Island Automobile Insurance Plan, also known as RIAIP.

Please Note: This content is not intended to describe any specific coverage offered by Mapfre Insurance. No coverage is provided, bound or guaranteed by this article. Available coverages, credits and discounts vary from state to state and are subject to eligibility criteria and policy terms/conditions, which will control in the event of conflict between this article and your insurance policy. For information about your policy, please review your individual policy contract and speak with your insurance representative.

Mapfre Insurance® is a brand and service mark of Mapfre U.S.A. Corp. and its affiliates, American Commerce Insurance Company^SM (Cal. COA 4928-8); Citation Insurance Company^SM; The Commerce Insurance Company^SM; Commerce West Insurance Company^SM (Cal. COA 1372-2); and Mapfre Insurance Company^SM (Cal. COA 3039-5). Not all products available in all states.