Auto Insurance in Rhode Island (RI)

In 2004 alone, the residents of Rhode Island lost 83 people to auto accidents. Unfortunately, it is impossible to keep accidents from happening to yourself or to your loved ones. You can, however, make sure to have a comprehensive and auto insurance policy from a dependable company that you trust.

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Required Auto Insurance Coverage in Rhode Island

Rhode Island requires that each of its drivers have a minimum amount of coverage when it comes to car insurance.  The state provides two choices:

• Split limit policy:  Amounts to $25,000 per person hurt and up to $50,000 for everyone hurt in any given accident. The property damage minimum in this car insurance policy type is $25,000 per accident.
• Single limit policy: This policy provides for at least $75,000 in damages including bodily injury and property loss.

Keep in mind that these are the bare minimums. Insurance professionals recommend that you purchase more to adequately cover your expenses should you get into an accident. Accidents usually cost more than the minimum limits; if you are left without proper insurance, you will have to pay out-of-pocket.

Companies Providing Car Insurance to Rhode Island Citizens

Car accidents cost the people of Rhode Island more than $0.7 billion every year. In an effort to save taxpayers money, Rhode Island invests over $4.5 million annually in driving education and enforcement efforts.  Despite measures the state has taken, it is still important for individuals to own comprehensive car insurance.  The following companies provide Rhode Island citizens with auto insurance:

• Guide One Insurance
• GMAC Insurance
• Nationwide Insurance
• Amica Insurance
• Allstate Insurance
• Sentry Insurance
• State Farm Insurance
• AIG Insurance
• MetLife Insurance

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Contact the Rhode Island Department of Auto Insurance and DMV

Division of Motor Vehicles
286 Main Street
www.dmv.ri.gov/

*Auto Insurance Options is a free information resource that provides content on auto insurance products and policies for informational purposes only, but is not an agency or insurer. Products and policies may not be available in all states.