What are the minimum car insurance requirements in Rhode Island?

Rhode Island requires at least 25/50/25 bodily-injury/property-damage liability coverage.

Who has the cheapest car insurance in Rhode Island?

Among major carriers, State Farm, Geico, and USAA (for military-eligible drivers) often rank lowest for clean-record drivers in Rhode Island, but regional insurers can beat them. Compare at least 3–5 quotes for identical coverage at every renewal.

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Rhode IslandRI

Auto insurance regulation, rate filings, and editorial coverage for Rhode Island. AutoInsureWire summarizes reporting from primary publishers and links outbound to original sources.

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Licensed agents in Rhode Island

Liability minimum

25/50/25

BI per person / per accident / PD

UM/UIM

Not required

Uninsured motorist

PIP

Not required

Personal injury protection

No-fault state

Traditional fault system

Avg full coverage

$1,914

2026 US national average

Latest from Rhode Island

1 stories · rolling

Regulation1w ago

Rhode Island Senate Passes Higher Total Loss Threshold

A bill approved by state lawmakers would make it harder for insurers to declare damaged vehicles totaled, potentially keeping more cars on the road for repair.

via Repairer Driven News5 MIN

Coverage requirements, decoded

Coverage type	Rhode Island requires	Recommended
Bodily injury liability	25/50	100/300
Property damage liability	25	100
Uninsured motorist	Not required	Match liability
PIP / Med-pay	Not required	$10,000+
No-fault	No	—

Standard published limits. Confirm current requirements with the Rhode Island Department of Insurance before you buy.

Coverage cost estimator

Beta · NAIC + DOI base rates

What you'd pay, roughly

Quick directional estimate using public NAIC base rates and standard underwriting multipliers. Real quotes will vary — call for binding numbers.

State

Driver age · 35

Coverage

Driving record

Vehicle type

Credit tier

Enrolled in telematics / UBI program (−15%)

Updated live

Your estimate

$2,874

per year · $240/mo

▼ 8% vs. CA state average

CA full base$3,124

Age band (35)× 0.92

Record (clean)× 1.00

Vehicle (sedan)× 1.00

Credit (good)× 1.00

Get a real quote in 90 seconds

(855) 629-1947

Licensed agents · all major carriers

Estimator is informational only. Multipliers are public-rate-filing approximations. Actual quotes depend on full underwriting.

Premium tables

Detailed age, city, and carrier-share tables for Rhode Island are being verified against NAIC and state DOI sources. Available for CA, NY, FL, TX, NJ.

Cheapest carriers in Rhode Island

Clean-record · 35yo · full coverage

State Farm

$1,480/yr

Geico

$1,542/yr

Progressive

$1,714/yr

Allstate

$1,840/yr

Averages for a 35-year-old single driver, clean record, 2020+ sedan, 100/300/100 limits. Source: NAIC + carrier rate filings, verified May 9, 2026. Your quote will vary.

Rhode Island-specific questions

Frequently asked, answered locally.

What this means for Rhode Island drivers

State minimums are a legal floor, not a recommendation. Most consumer advocates suggest 100/300/100 for any driver with savings, home equity, or future earnings to protect. Compare quotes annually — the price gap between best and worst quote in Rhode Island routinely exceeds $700 a year.

Talk to a Rhode Island agent · (855) 629-1947 →