Rhode Island Auto Insurance Information
Rhode Island requires every motorist to purchase a minimum of $25,000 per person and $50,000 per accident in
Injury Liability (BIL) insurance. This coverage aids in covering medical expenses for the other driver, cyclist
pedestrian if the accident was the insured’s fault. It does not pay for the insured’s medical bills.
The state also requires a minimum of $25,000 in Property Damage Liability (PDL) insurance, which helps pay for
property damaged in an accident for which the insured was responsible. PDL insurance does not pay for damage to
While these are the minimum requirements, it is wise to purchase additional coverage as these limits will not
for all of the medical expenses and possibly property damage in a serious accident.
Rhode Island does not mandate the purchase of uninsured or underinsured motorist coverage. However, drivers must
state they are declining the purchase of this coverage in writing. This is coverage most drivers should
uninsured/underinsured motorist insurance pays for medical expenses if the motorist is hurt in an accident with
uninsured or underinsured driver. This coverage does not include property damage.
While comprehensive and collision insurance is not required by the state, lenders will require this type of
for financed and leased vehicles.
SR-22 Insurance in Rhode Island
As of July 18, 2018, Rhode Island’s Department of Motor Vehicles (DMV) no longer requires drivers convicted of
and other serious offenses to submit SR-22 forms, financial responsibility filings, when driving privileges are
restored. Such drivers should expect that their insurance premiums will rise significantly after they are again
eligible to drive.
Rhode Island Driver Statistics
Known as the Ocean State, Rhode Island consists of just 1,212 square miles, 37 miles wide and 48 miles long,
population of just over 1 million people. Even though Rhode Island is the seventh least populated state, due to
small size it is the second-most densely populated, after New Jersey. One of the original 13 colonies, Rhode
is small in area but large in history. Brown University, an Ivy League School, is located in Providence, and
summer the oldest and wealthiest families in the U.S. flock to Newport.
The median age in Rhode Island is 39.9 years, which is older than the average for the U.S. Rhode Island has
license renewal regulations for drivers aged 75 and up. While drivers under age 75 must renew their licenses in
person at the DMV every five years, those 75 and over must renew their licenses every two years. At the renewal,
vision test is performed.
Drivers may also have their exam given by a licensed eye specialist of their own choosing, who must complete an
Test Card for DMV submission.
Rhode Island Auto Insurance & Accident Facts
Densely populated areas generally have higher accident rates, simply because there are more vehicles on the
According to the Rhode Island Department of Transportation, there were 59 roadway fatalities in the state in
big drop from the 84 people killed in 2017. Fortunately, 2017 appears to be an outlier, as the previous highest
number of people dying in car accidents from 2012 to 2018 was 2013, with 65 deaths. Between 2011 and 2015, 39
percent of Rhode Island roadway fatalities involved alcohol, and 27 percent of those fatal accidents involved a
driver between the ages of 24 and 35. In 2015, alcohol was involved in 42 percent of all motor vehicle accidents
Under Rhode Island law, a first conviction for driving under the influence can lead to an 18-month license
suspension and up to one year in jail. Unlike many other states, Rhode Island laws do not permit sobriety