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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.Top of Form

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. Instead, take the time to get a customized quote that meets your unique coverage 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

Opting for additional auto insurance coverage beyond Rhode Island-mandated minimums can provide invaluable protection in various scenarios. It's not only a wise choice for safeguarding your finances and assets, but may be required coverage if you lease or finance your car. Here are some additional coverages Rhode Islanders might consider:

  • Comprehensive (other than collision): Coverage for damage to your vehicle that isn’t the result of a collision with another car or object. This includes damage caused by falling trees or rocks kicked up by other cars.
  • Collision coverage: No-fault coverage that helps pay for repairs to your car if it's damaged in a collision with another vehicle or object.
  • Uninsured motorist property damage coverage: This coverage protects your vehicle in the event it's damaged in an accident caused by an uninsured driver or unidentified hit-and-run driver.
  • Medical payments: Covers medical expenses for you and your passengers after an accident, regardless of fault. Medical payments coverage can help cover costs like hospital stays, surgery and rehabilitation. 
  • Personal injury protection (PIP): Helps cover medical expenses and lost wages if you or your passengers are injured in an accident. This includes necessary medical bills, lost wages, funeral expenses and loss of services.
  • Rental reimbursement: Coverage for transportation costs if your vehicle needs repairs after an accident. It covers rental cars, ridesharing or public transportation like trains, taxis and buses.
  • Auto/loan lease coverage: Covers the difference between what you owe on your loan or lease and the current value of your vehicle if it's totaled in a covered accident.
  • Towing and labor coverage: Around-the-clock roadside assistance, providing services like jumping dead batteries, towing your car and unlocking car doors.
  • Repairing or replacing auto glass: Repair or replacement of your damaged windshield, windows and other auto glass, without a deductible.

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. 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
    • Accident-free: Get an auto insurance discount when you’ve been claim-free for the past three years.
    • Defensive driver training: Taking an approved driver safety course can earn you a discount.
  • Discounts for your car’s systems
    • Anti-theft: We’ll reward you for keeping your car safe and secure with anti-theft devices, like car alarms and GPS tracking systems.
    • Passive restraints: If your car is equipped with passive restraints, like airbags, 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.

If you're a Rhode Islander in need of both auto and home insurance coverage, it's worth exploring options for bundling policies to maximize your savings. When you bundle auto and home insurance with Amica, Rhode Island drivers can save up to 30% with a multiline discount.

Facts and figures about Rhode Island

Fun facts about Rhode Island:

  • Newport judge Darius Baker imposed the first jail sentence for speeding in 1904.1
  • 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.1
  • 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.2
  • Rhode Island drivers are prohibited from wearing headphones while operating a vehicle.2
  • 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.2

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

1 57 Facts You Probably Didn’t Know About Rhode Island
2 State of Rhode Island: DMV Laws You Must Know

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