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Rhode Island Insurance Information

Rhode Island is the smallest state in the union and was one of the original 13 colonies. It is situated in Southern New England bordered by Massachusetts, Connecticut and the Atlantic Ocean. The capitol, Providence, was founded by Roger Williams in 1636 after he was kicked out of Massachusetts for religious reasons. Rhode Island has since been known as a state for religious freedom and boasts the (actual) First Baptist Church in the U.S. in Providence and one of the oldest synagogues, Touro Synagogue, in Newport. Now Providence has been made into a renaissance city and has gondolas on its river and special nights in warm weather when Water Fire glows along the river and street performers come out. Some say the beaches of Rhode Island in Narragansett and Newport are prettier and sandier than any on Cape Cod.

The "Ocean State" has many opportunities for boating and water sports of all kinds and an active fishing industry. The State of Rhode Island is second only to New Jersey as the most densely populated state in the union. In addition to this it is the home to many colleges and universities, with Brown University, Providence College, RI College and Johnson & Wales in Providence alone. There are a lot of drivers on the road in Rhode Island, visiting, living there and passing through to Cape Cod or New York. All this in-state and interstate traffic makes it essential to have an excellent Rhode Island car insurance policy in place. While car insurance in Rhode Island is mandatory, we can make it possible for you to obtain an affordable policy that will protect you beyond the basic liability.

You will find it easy to shop for Rhode Island auto insurance on our website, just click on your RI location on the page below and read some excellent information on Rhode Island Auto Insurance. This information should be useful in helping you make a decision on what type of policy you need. The page below also has Rhode Island car insurance quotes which are free of charge. You might like to save these quotes, compare prices and return to this page to look further into what our policies contain. All of your questions about Rhode Island auto insurance quotes and policies can be answered by dialing the toll-free number above to speak to an insurance expert. It is just that simple to find the best Rhode Island auto insurance available.

Rhode Island Population Data At-a-Glance

1,051,302 total population
39 average citizen age
93 males per 100 females
1 number of cities with > 100,000 residents
Providence largest city in the state

Vital Rhode Island Insurance Facts

Maintaining a robust understanding of your state insurance facts and information makes it easier to manage and customize your policy. By establishing you have necessary coverage and meet key requirements such as the state minimum coverage, peace of mind will be within your reach.

Average Annual Rhode Island Insurance Premium Payment

$2,155

About $179.58/Month. Rhode Island ranks as the 3rd most expensive state for car insurance in the United States

Is This an At-Fault or No-Fault State?

No-Fault

State Minimum Coverage Requirement

25/50/25

Injury Liability Per Person / Injury Liability Per Accident / Property Damage
*Units in Thousands of Dollars

Estimated Uninsured Population (%)

18%

Or About 189,234 Uninsured Drivers in the State of Rhode Island

RI Licensing Rules & Regulations

Each state is unique when it comes to licensing regulations and rules. To avoid fines or other penalties, please make certain you are complying with the laws of the land. Violations such as driving with an expired registration can bring grim results.

Learner's Permit

16 Years

Unrestricted License

17.5 Years

Renewal Frequency

5 Years

Safety Requirements, Handheld Devices in Rhode Island

It is in your foremost interest to follow the safety regulations the authorities in Rhode Island have established. Not only will you save money and time, you will also protect yourself and other drivers simultaneously. Bear in mind to always wear a seatbelt and refrain from using a cellular phone, which will reduce your odds of getting into an accident. Additionally, cities such as South Kingstown and Newport may have their own distinctive regulations.

Seatbelt Offenses

Primary

Motorcycle Helmets

20 and Under

Handhelds Banned?

No

Text-Messaging Banned?

Yes

Rhode Island Impaired Driving Laws

Impaired driving laws can vary considerably among each state. Despite the importance to not drink and drive, being mindful of the impaired driving limits in Rhode Island can help you behave responsibly.

Under 21 Limit

0.02%

Individual Limit

0.08%

Extreme Limit

0.15%

Financial Penalty Estimate

$100-$300

Minimum License Suspension

45 Days

Maximum Jail Sentence

0 Days

SR-22 Required?

Yes

Open Container Law

Driver