Does Rhode Island have minimum car insurance requirements?

Yes. Rhode Island drivers must carry the following minimum liability coverage limits:

  • $25,000 in bodily injury per person
  • $50,000 in total bodily injury per accident
  • $25,000 in property damage per accident

Rhode Island also requires its drivers to carry uninsured/underinsured motorist bodily injury coverage (UM/UIM BI). If you're hit by a driver with little or no insurance, your UM/UIM BI coverage will pay for your medical bills, as well as your passengers'. The minimum limits required are:

  • UM/UIM BI: $25,000 per person, $50,000 per accident

Note: This coverage can be rejected.

Every driver in the Ocean State must meet Rhode Island's auto insurance requirements; however, you should consider increasing your limits to better protect your financial well-being. Learn more about auto liability insurance and uninsured/underinsured motorist coverage.

Check out comprehensive and collision coverage

Comprehensive and collision coverage can pay to repair or replace your vehicle if it's stolen or damaged in an accident or other unexpected event. All drivers can benefit from these coverages, but if you're financing or leasing your car, they will likely be required.

Bundling your home and auto policies with Progressive can help you save. New customers who save bundling home and auto save over 20% on average.*

How much does car insurance in Rhode Island cost?

In 2020, the average Progressive liability-only auto insurance policy in Rhode Island cost $199 per month.** What you pay for car insurance can depend on several factors, including your age, ZIP code, driving history, and more. Take a look at what else can impact your car insurance rate.

Are there discounts available to help lower the cost of my insurance policy?

Yes. Progressive offers a range of discounts, including:

  • Continuous insurance
  • Paperless
  • Three-year safe driving
  • Electronic Funds Transfer (EFT)
  • Online quote
  • Multi-car
  • Homeowner
  • Paid in full

See all auto insurance discounts.

Interesting facts about driving in Rhode Island

  1. Rhode Island law prohibits using any hand-held wireless communication devices while driving. Keep your hands on the wheel and eyes on the road to stay safe and avoid a ticket.

  2. Rhode Island's Block Island is only accessible by ferry, but you can drive your car aboard. Follow all posted rules onboard the ferry and consider carrying collision coverage to protect your car from a fender bender.

  3. All drivers and passengers over 8 years old are required to wear a seat belt regardless of which seat they're in. Stay safe: Make sure you and your passengers buckle up before hitting the road.

How to get car insurance in Rhode Island


Answer a few questions, then choose the coverages that work best for you.

Call a rep

A licensed representative will walk you through the process.

Meet with an agent

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