The General® is pleased to offer Rhode Islanders in what is officially known as the State of Rhode Island and Providence Plantations or the Ocean State for short, affordable automobile insurance coverage. The General® offers low cost auto insurance even if you have violations on your driving record, have never been insured, let your policy lapse, or had your license suspended or revoked. No need to worry The General® has you covered.

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Below is some information that should help answer some of the more common questions we receive from our Rhode Island customers.

Rhode Island Mandatory Coverages

Rhode Island drivers must have liability insurance to help cover another driver’s expenses resulting from an accident for which you are at fault. In addition, all Rhode Island auto insurance policies must offer uninsured/underinsured motorist coverage, but it can be declined in writing. The coverage minimums are:

Bodily Injury Liability: $25,000 per person and $50,000 per accident
Property Damage Liability: $25,000 per accident
Uninsured/Underinsured Bodily Injury: $25,000 per person and $50,000 per accident
Uninsured Motorist Property Damage: $25,000

Frequently Asked Questions Regarding Rhode Island Auto Insurance

What is Uninsured/Underinsured Motorist cover?

Coverage which protects you and the people in your car in the event another driver hits you with inadequate Rhode Island insurance coverage or no auto insurance at all.

What is SR22 Insurance?

SR22 is a document often required by a state’s Department of Transportation (DOT) proving that a driver is carrying the state’s required minimum amount of vehicle liability insurance.

SR22s are typically needed for a driver to reinstate their driving privileges after an offense such as a DUI conviction or uninsured auto accident. Drivers who do not own a vehicle but still wish to reinstate their driving privileges may need to provide a non-owner SR22 policy.

What happens if I am stopped by a police officer or involved in an accident and cannot show proof of insurance?

Failure to provide proof of insurance when you are stopped by a police officer or involved in an accident will result in a $500 fine.

The General® offers instant proof of insurance when you buy auto insurance online at our website.

Additional Resources

Rhode Island Department of Insurance
Rhode Island Department of Transportation
Rhode Island State Police
The Official Website of the State of Rhode Island