Car insurance · Rhode Island
Car insurance requirements in Rhode Island
Liability 25/50/25, or a $75,000 combined limit. Claims system: fault-based claims.
Verified summaryAll Rhode Island insurance topics
Requirements
Minimum car insurance requirements in Rhode Island
| Coverage | Requirement in Rhode Island |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident (or a $75,000 combined single limit with property damage) |
| Property damage liability | $25,000 per accident |
| Injury protection | Not listed as required |
| Uninsured / underinsured motorist | Insurers must offer uninsured/underinsured bodily injury limits equal to your bodily injury limits. You may buy less, but not below the statutory minimum and not zero (230-RICR-20-05-1) |
What the law requires you to carry
- Bodily injury or death: $25,000 for one person in any one accident
- Bodily injury or death of two or more persons: $50,000 in any one accident
- Property damage: $25,000 in any one accident, or a $75,000 combined single limit
Uninsured drivers
Uninsured motorist coverage in Rhode Island
Insurers must offer uninsured/underinsured bodily injury limits equal to your bodily injury limits. You may buy less, but not below the statutory minimum and not zero (230-RICR-20-05-1).
- The state's regulation on uninsured and underinsured motorist insurance (230-RICR-20-05-1) says the insurer must offer uninsured motorist property damage coverage in a minimum amount of $25,000.
- If collision coverage is included in the policy, no written rejection of uninsured motorist property damage is required.
Optional coverage
Coverage you can add in Rhode Island
- Uninsured/underinsured motorist bodily injury (must be offered)
- Uninsured motorist property damage (must be offered, minimum $25,000)
- Collision
- Comprehensive
- Medical payments
Penalties
Penalties for driving without insurance in Rhode Island
The Rhode Island DMV's affidavit of compliance lists the penalties for failing to comply: a minimum fine of $500 and a maximum of $5,000, and revocation of the vehicle registration and license plates for three months for a first offense, six months for a second offense and one year for a third or later offense. A later violation is a misdemeanor, and punishment may include a fine of up to $5,000, up to a year in prison, or both.
Good to know
Other things to know in Rhode Island
- Rhode Island's General Laws (sections 31-32-2 and 31-32-24) set the 25/50/25 amounts, with a $75,000 combined single limit as an alternative to the property damage amount.
General information only. It is not legal advice. Rules change, so confirm with the official sources listed below.
Contacts
Who to contact in Rhode Island
- Rhode Island Department of Business Regulation, Insurance Division
- Website: dbr.ri.gov/divisions/insurance
- NAIC directory of state insurance departments
Sources
Where this summary comes from
Reviewed 2026-10. Check each source for the current rule.
- R.I. Gen. Laws 31-32-24: Motor vehicle liability policy definedwebserver.rilegislature.gov
- R.I. Gen. Laws 31-32-2: Proof of financial responsibility for the futurewebserver.rilegislature.gov
- 230-RICR-20-05-1: Uninsured and underinsured motorist insurancerules.sos.ri.gov
- Rhode Island DMV: Affidavit of compliance for insurance or other financial responsibility (PDF)dmv.ri.gov
Keep reading
Guides that explain these coverages
- Minimum car insurance requirements by state
- Which States Require Uninsured Motorist Coverage?
- No-Fault vs. At-Fault Car Insurance: Which States Use Which
- States That Raised Minimum Car Insurance Limits Since 2018
- Liability coverage explained
- Collision vs. comprehensive coverage
- What affects your car insurance rate
- After an accident: what to do and what to expect
More about Rhode Island.
Home insurance resources and the health marketplace for Rhode Island are on its overview page.