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Rhode Island Car Insurance

From the beaches of Narragansett Bay to the small-town charm of historic Newport, Rhode Island's compact size doesn't diminish its abundance of scenic routes and vibrant destinations. With over 12,000 miles of roadways traversing from coastal vistas to bustling city streets, Rhode Islanders have a multitude of places to explore.

Given the state's dense population of over 1 million residents, sharing the road is a daily reality for Rhode Island drivers. Having peace of mind on the road is paramount, ensuring safety and protection for everyone traveling to their destinations.

Amica offers customized Rhode Island auto insurance quotes that allow you to tailor your coverage with comprehensive protection backed by personalized service. Don't settle for a one-size-fits-all approach when it comes to protecting yourself and your family on the road. With YourPlan, there’s a range of options that can be tailored to meet your unique needs.

Rhode Island auto insurance minimums

In Rhode Island, drivers are required to carry the following minimum liability coverage limits for auto insurance:

  • Bodily Injury Liability Coverage:
    • $25,000 per person
    • $50,000 per accident
  • Property Damage Liability Coverage:
    • $25,000 per accident

Bodily injury liability coverage: Coverage to protect you from the financial consequences of causing bodily harm to others in an auto accident. This extends to coverage for medical expenses, pain and suffering, rehabilitation costs, and lost wages. It may also cover legal defense costs if you're sued. This coverage is subject to policy limits and exclusions.

Property damage liability coverage: This coverage helps with damage you cause to someone else's property in an auto accident where you're at fault. It includes costs for repairing or replacing the other party's vehicle and other damaged property, like buildings or fences. It may also cover legal fees if you're sued for the damage. Coverage is subject to limitations and exclusions.

In addition to the minimum liability coverage requirements, Rhode Island mandates uninsured/underinsured motorist bodily injury coverage, with the following minimum limits:

  • Uninsured/Underinsured Motorist Bodily Injury Coverage:
    • $25,000 per person
    • $50,000 per accident

Uninsured/underinsured motorist bodily injury coverage: Provides protection if you're injured in an accident caused by a driver who’s uninsured or doesn't have enough coverage to pay for your medical bills and other expenses.

It's important to understand that these are just the minimum requirements, and Rhode Island drivers may choose higher coverage limits for added protection.

Additional Rhode Island car insurance coverage

In addition to meeting Rhode Islands’ auto insurance requirements, many drivers choose to add optional coverages to help address common gaps in protection. These coverages can offer support with situations like:

  • Damage to your vehicle, including accidents and other covered losses.
  • Injuries and medical expenses following an accident, regardless of fault.
  • Support after a loss, such as transportation or roadside assistance.

Each of these coverages helps protect against different types of risk. You can add them individually or combine them in ways that match the level of protection you’re looking for. Learn more about common auto insurance coverages and how they work.

Customizing auto insurance in Rhode Island

After reviewing standard and optional coverages, you may be wondering how Rhode Islanders typically put those choices together. YourPlan allows you to compare thoughtfully built coverage levels that are based on what drivers often select. Then, you can adjust and customize from there, choosing what feels right for your car and budget.

Essential

Core coverage that’s designed to meet the needs of many Rhode Island drivers. Essential focuses on the foundational protections you expect in a standard auto policy, including coverage for your vehicle, injuries and damage you may cause to others, and common risks you face on the road. It’s a straightforward option without added enhancements.

Advantage

Broader coverage that offers added protection for more situations. Advantage builds on Essential by including optional coverages and upgrades that go beyond a standard policy. It’s a good fit if you want extra flexibility and additional protection for things like roadside assistance or certain types of damage.

Signature

Our most complete option, with enhanced protection and added benefits. Signature includes the highest level of coverage we offer, combining broader protection, higher benefit limits and extra safeguards. It’s designed to help reduce gaps in coverage and provide more confidence if a claim is more complex or severe.

YourPlan lets you explore these approaches in more detail and customize coverage based on what you need in Rhode Island. Explore coverage options with YourPlan.

Key factors impacting Rhode Island auto insurance rates

There are many factors that impact the cost of auto insurance in Rhode Island, including individual circumstances, location, vehicle type and more. Consider the following:

  • Driving history: Your individual driving record is a significant determinant of Rhode Island car insurance premiums. In Rhode Island, as elsewhere, drivers with a history of accidents or traffic violations typically face higher rates compared to those with clean records.
  • Coverage options and limits: Your choice of coverage types and amounts directly impacts your premiums. Opting for the minimum state-required coverage in Rhode Island is generally more affordable. However, adding optional coverages with higher limits will increase premiums.
  • Claims in Rhode Island: Insurance rates may be influenced by the frequency and severity of claims filed in your state. Higher rates of accidents, theft or other incidents may lead to higher premiums for all drivers in the area.
  • Weather patterns in Rhode Island: Weather-related incidents can impact Rhode Island auto insurance rates, particularly for comprehensive coverage that includes protection against weather-related damage. Rhode Island's coastal location means it's susceptible to weather-related risks, which may influence insurance rates.

It's important to know that auto rates change over time for a number of reasons. Some of those reasons, like your driving record and claim history, are within your control, while others, like industry repair rates and claim frequency in your area, are not. If your auto rates increase, you may be able to mitigate the increase by adjusting your coverage or deductible, or qualifying for policy discounts.

Explore Rhode Island auto insurance discounts for more savings

Amica offers various auto insurance discounts to help Rhode Island policyholders save money on their premiums.1 Here are some discounts that you may be eligible for:

  • Discounts for family
    • Young driver training: We have discounts for drivers under 21 who complete an accredited driver training program.
    • Good student: Policies with full-time high school or college students, ages 15-25, with a “B” average or higher are eligible for our Good Student Discount.
  • Discounts for how you drive
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Forward-collision warning: We’ll reward you for keeping your car safe with forward-collision warning. 
    • Adaptive headlights: If your car is equipped with adaptive headlights, you may be eligible for a discount.
  • Discounts for how you pay
    • AutoPay: Simplify your payment experience with AutoPay to earn even more savings.
    • Paperless: Get a discount when you sign up to receive policy documents and bills electronically.
    • Paid in full: Save money when you pay the entire balance of your Rhode Island policy premium upfront.

One of the best ways to conveniently manage all of your insurance needs and save money at the same time is to bundle auto and home insurance with the same company. In fact, Rhode Islanders who bundle their policies with Amica may qualify for a valuable multiline discount.1

Facts and figures about Rhode Island

Fun facts about Rhode Island:

  • Newport judge Darius Baker imposed the first jail sentence for speeding in 1904.2
  • The Flying Horse Carousel in Westerly holds the distinction of being the oldest operating carousel in the United States where the horses are suspended from chains.2
  • Amica Insurance’s headquarters is located in Lincoln, Rhode Island.

Facts about driving in Rhode Island:

  • Drivers in Rhode Island are required to slow down when approaching a horse being ridden or driven. You’re also not allowed to sound the horn or cause other loud noises.3
  • Rhode Island drivers are prohibited from wearing headphones while operating a vehicle.3
  • By law, Rhode Island drivers are required to remove snow and ice that limits their field of vision or is in danger of blowing off their car and onto other vehicles.3

How to get car insurance in Rhode Island

We’re here to guide you through the process of personalizing your car insurance in Rhode Island. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs: 

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Rhode Island drivers based on your unique circumstances and location.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a car insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, Rhode Island drivers can hit the road with confidence, knowing they’re prepared for any situation that may arise.

Get an auto insurance quote

or call 833-513-3881

AMIC-10-030427

1 Discounts not available in all states and may vary.
2 57 Facts You Probably Didn’t Know About Rhode Island
3 State of Rhode Island: DMV Laws You Must Know  

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