Rhode Island car insurance laws and requirements: What is changing in 2025

Q: Is it mandatory to have car insurance in Rhode Island?

Yes , Rhode Island requires that you carry at least the minimum mandatory coverage. Necessary coverage includes 25/50/25.

Q: Will my bare minimum car insurance cover me in another state?

Yes , your car insurance covers claims in another state, even if the minimums are higher in the other state.

Rhode Island car insurance laws

Rhode Island requires that drivers carry at least 25/50/25.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Rhode Island drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

Rhode Island car insurance requirements

Rhode Island requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

Rhode Island liability minimums are 25/50/25.

The average cost of a minimum coverage policy is $646. However, State Farm has the lowest minimum car insurance rates, averaging $366.

The table below shows the top insurers' average rates for minimum coverage in Rhode Island.

Company	Average annual premium	Average monthly premium
State Farm	$366	$30
American Family	$527	$44
Amica	$535	$45
Travelers	$559	$47
Geico	$646	$54
Progressive	$777	$65
Nationwide	$882	$74
Farmers	$916	$76
Allstate	$975	$81
USAA	$352	$29

Read our methodology

Rhode Island car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $646. Car insurance rates for minimum coverage vary by company and driver. The table below shows average rates for drivers with minimum coverage in Rhode Island.

The cheapest company for minimum coverage in Rhode Island is State Farm at an average rate of $366 annually.

State minimum coverage limit	25/50/25
Average annual premium	$646
Average monthly premium	$54

Read our methodology

Are the Rhode Island minimum coverage requirements changing in 2025?

Rhode Island car insurance requirements will not change in 2025. You do not need to make any changes if you have minimum coverage. If mandatory coverage changes in the future, your insurer will inform you, along with any rate changes.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

What does minimum car insurance cover in Rhode Island?

Rhode Island requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

Rhode Island drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

PEOPLE ASK:

Is Rhode Island minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 25/50/25, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in Rhode Island?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

Rhode Island penalties for driving without car insurance

Since Rhode Island requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry Rhode Island car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines	$500-$1,000
Other penalties	License and registration suspension
Jail time	Possible

Read our methodology

Rhode Island minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. State Farm has the best rates for teens with minimum coverage averaging $1,063. State Farm offers the cheapest coverage for adults at $364.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $653, and the average rate for a 40-year-old male is $638, a difference of $15.

Male

Male
Female

Age	Company	Male annual premium	Male monthly premium
16	State Farm	$1,484	$124
16	American Family	$1,609	$134
16	Geico	$2,655	$221
16	Allstate	$2,819	$235
16	Amica	$3,430	$286
16	Farmers	$3,909	$326
16	Nationwide	$3,913	$326
16	Progressive	$4,941	$412
17	State Farm	$1,280	$107
17	American Family	$1,474	$123
17	Geico	$2,524	$210
17	Allstate	$2,699	$225
17	Amica	$3,189	$266
17	Farmers	$3,778	$315
17	Nationwide	$3,850	$321
17	Progressive	$4,649	$387
17	Travelers	NA	NA
18	State Farm	$1,166	$97
18	American Family	$1,275	$106
18	Geico	$2,360	$197
18	Allstate	$2,413	$201
18	Amica	$2,894	$241
18	Nationwide	$3,699	$308
18	Progressive	$3,930	$328
18	Travelers	NA	NA
19	State Farm	$999	$83
19	American Family	$1,070	$89
19	Geico	$1,662	$139
19	Allstate	$1,961	$163
19	Progressive	$1,977	$165
19	Amica	$2,040	$170
19	Farmers	$2,421	$202
19	Travelers	$2,617	$218
19	Nationwide	$2,948	$246
20	State Farm	$860	$72
20	American Family	$926	$77
20	Geico	$1,523	$127
20	Progressive	$1,727	$144
20	Allstate	$1,826	$152
20	Amica	$1,838	$153
20	Travelers	$2,045	$170
20	Farmers	$2,274	$190
20	Nationwide	$2,479	$207
21	State Farm	$772	$64
21	American Family	$825	$69
21	Geico	$1,078	$90
21	Travelers	$1,104	$92
21	Amica	$1,445	$120
21	Progressive	$1,487	$124
21	Allstate	$1,519	$127
21	Nationwide	$1,668	$139
21	Farmers	NA	NA
22	State Farm	$662	$55
22	American Family	$807	$67
22	Travelers	$972	$81
22	Geico	$1,067	$89
22	Amica	$1,334	$111
22	Progressive	$1,352	$113
22	Allstate	$1,370	$114
22	Nationwide	$1,523	$127
22	Farmers	$1,579	$132
23	State Farm	$599	$50
23	American Family	$741	$62
23	Travelers	$803	$67
23	Amica	$875	$73
23	Geico	$921	$77
23	Progressive	$1,220	$102
23	Allstate	$1,288	$107
23	Nationwide	$1,403	$117
23	Farmers	$1,524	$127
24	State Farm	$539	$45
24	American Family	$712	$59
24	Travelers	$731	$61
24	Amica	$816	$68
24	Geico	$899	$75
24	Progressive	$1,098	$92
24	Allstate	$1,146	$96
24	Nationwide	$1,309	$109
24	Farmers	$1,502	$125
25	State Farm	$447	$37
25	Amica	$594	$50
25	Travelers	$607	$51
25	American Family	$655	$55
25	Geico	$725	$60
25	Progressive	$910	$76
25	Allstate	$976	$81
25	Nationwide	$1,084	$90
25	Farmers	$1,151	$96
30	State Farm	$372	$31
30	Amica	$552	$46
30	Travelers	$572	$48
30	American Family	$573	$48
30	Geico	$674	$56
30	Progressive	$800	$67
30	Farmers	$900	$75
30	Nationwide	$911	$76
30	Allstate	$967	$81
35	State Farm	$366	$31
35	American Family	$530	$44
35	Amica	$546	$46
35	Travelers	$547	$46
35	Geico	$674	$56
35	Progressive	$774	$65
35	Farmers	$872	$73
35	Nationwide	$903	$75
35	Allstate	$962	$80
40	State Farm	$366	$31
40	American Family	$506	$42
40	Amica	$535	$45
40	Travelers	$556	$46
40	Geico	$674	$56
40	Progressive	$755	$63
40	Nationwide	$878	$73
40	Farmers	$898	$75
40	Allstate	$958	$80
45	State Farm	$362	$30
45	American Family	$494	$41
45	Amica	$517	$43
45	Travelers	$562	$47
45	Geico	$674	$56
45	Progressive	$752	$63
45	Nationwide	$870	$73
45	Farmers	$903	$75
45	Allstate	$940	$78
50	State Farm	$356	$30
50	American Family	$492	$41
50	Amica	$494	$41
50	Travelers	$498	$42
50	Geico	$646	$54
50	Progressive	$717	$60
50	Farmers	$834	$70
50	Nationwide	$845	$70
50	Allstate	$940	$78
55	State Farm	$340	$28
55	Amica	$466	$39
55	American Family	$504	$42
55	Travelers	$516	$43
55	Geico	$646	$54
55	Progressive	$731	$61
55	Nationwide	$771	$64
55	Farmers	$787	$66
55	Allstate	$935	$78
60	State Farm	$328	$27
60	Amica	$494	$41
60	American Family	$527	$44
60	Travelers	$543	$45
60	Geico	$646	$54
60	Progressive	$735	$61
60	Nationwide	$746	$62
60	Farmers	$779	$65
60	Allstate	$1,026	$86
65	State Farm	$378	$32
65	Amica	$552	$46
65	Geico	$646	$54
65	American Family	$659	$55
65	Travelers	$659	$55
65	Nationwide	$853	$71
65	Progressive	$859	$72
65	Farmers	$924	$77
65	Allstate	$1,026	$86
70	State Farm	$378	$32
70	Amica	$588	$49
70	Geico	$646	$54
70	American Family	$659	$55
70	Travelers	$763	$64
70	Nationwide	$853	$71
70	Progressive	$859	$72
70	Farmers	$938	$78
70	Allstate	$1,026	$86
75	State Farm	$378	$32
75	American Family	$659	$55
75	Amica	$679	$57
75	Geico	$762	$64
75	Nationwide	$853	$71
75	Progressive	$859	$72
75	Travelers	$954	$80
75	Farmers	$982	$82
75	Allstate	$1,058	$88
16	USAA	$3,000	$250
17	USAA	$1,884	$157
18	USAA	$1,483	$124
19	USAA	$958	$80
20	USAA	$793	$66
21	USAA	$658	$55
22	USAA	$589	$49
23	USAA	$553	$46
24	USAA	$524	$44
25	USAA	$452	$38
30	USAA	$376	$31
35	USAA	$356	$30
40	USAA	$345	$29
45	USAA	$337	$28
50	USAA	$331	$28
55	USAA	$331	$28
60	USAA	$339	$28
65	USAA	$424	$35
70	USAA	$424	$35
75	USAA	$424	$35

Read our methodology

Age	Company	Female annual premium	Female monthly premium
16	State Farm	$980	$82
16	American Family	$1,832	$153
16	Geico	$2,655	$221
16	Allstate	$2,508	$209
16	Amica	$3,164	$264
16	Farmers	$3,764	$314
16	Nationwide	$3,010	$251
16	Progressive	$4,569	$381
17	State Farm	$955	$80
17	American Family	$1,670	$139
17	Geico	$2,428	$202
17	Allstate	$2,417	$201
17	Amica	$2,843	$237
17	Farmers	NA	NA
17	Nationwide	$3,010	$251
17	Progressive	$4,209	$351
17	Travelers	$4,350	$363
18	State Farm	$886	$74
18	American Family	$1,438	$120
18	Geico	$2,270	$189
18	Allstate	$2,168	$181
18	Amica	$2,567	$214
18	Nationwide	$3,010	$251
18	Progressive	$3,539	$295
18	Travelers	$3,108	$259
19	State Farm	$756	$63
19	American Family	$1,191	$99
19	Geico	$1,598	$133
19	Allstate	$1,767	$147
19	Progressive	$1,808	$151
19	Amica	$1,808	$151
19	Farmers	$2,176	$181
19	Travelers	$2,207	$184
19	Nationwide	$2,354	$196
20	State Farm	$659	$55
20	American Family	$1,026	$86
20	Geico	$1,465	$122
20	Progressive	$1,602	$134
20	Allstate	$1,677	$140
20	Amica	$1,669	$139
20	Travelers	$1,918	$160
20	Farmers	$2,047	$171
20	Nationwide	$2,127	$177
21	State Farm	$618	$52
21	American Family	$908	$76
21	Geico	$1,078	$90
21	Travelers	$889	$74
21	Amica	$1,340	$112
21	Progressive	$1,474	$123
21	Allstate	$1,415	$118
21	Nationwide	$1,455	$121
21	Farmers	$1,774	$148
22	State Farm	$552	$46
22	American Family	$883	$74
22	Travelers	$819	$68
22	Geico	$1,067	$89
22	Amica	$1,245	$104
22	Progressive	$1,352	$113
22	Allstate	$1,369	$114
22	Nationwide	$1,326	$111
22	Farmers	$1,453	$121
23	State Farm	$489	$41
23	American Family	$807	$67
23	Travelers	$707	$59
23	Amica	$828	$69
23	Geico	$921	$77
23	Progressive	$1,201	$100
23	Allstate	$1,228	$102
23	Nationwide	$1,215	$101
23	Farmers	$1,403	$117
24	State Farm	$473	$39
24	American Family	$769	$64
24	Travelers	$660	$55
24	Amica	$781	$65
24	Geico	$899	$75
24	Progressive	$1,101	$92
24	Allstate	$1,098	$92
24	Nationwide	$1,121	$93
24	Farmers	$1,379	$115
25	State Farm	$403	$34
25	Amica	$594	$50
25	Travelers	$589	$49
25	American Family	$703	$59
25	Geico	$725	$60
25	Progressive	$946	$79
25	Allstate	$1,030	$86
25	Nationwide	$985	$82
25	Farmers	$1,190	$99
30	State Farm	$372	$31
30	Amica	$552	$46
30	Travelers	$556	$46
30	American Family	$614	$51
30	Geico	$618	$52
30	Progressive	$858	$72
30	Farmers	$910	$76
30	Nationwide	$886	$74
30	Allstate	$1,020	$85
35	State Farm	$366	$31
35	American Family	$570	$48
35	Amica	$546	$46
35	Travelers	$550	$46
35	Geico	$618	$52
35	Progressive	$838	$70
35	Farmers	$887	$74
35	Nationwide	$886	$74
35	Allstate	$1,016	$85
40	State Farm	$366	$31
40	American Family	$547	$46
40	Amica	$535	$45
40	Travelers	$561	$47
40	Geico	$618	$52
40	Progressive	$800	$67
40	Nationwide	$886	$74
40	Farmers	$931	$78
40	Allstate	$993	$83
45	State Farm	$362	$30
45	American Family	$535	$45
45	Amica	$517	$43
45	Travelers	$567	$47
45	Geico	$618	$52
45	Progressive	$797	$66
45	Nationwide	$853	$71
45	Farmers	$906	$76
45	Allstate	$984	$82
50	State Farm	$356	$30
50	American Family	$531	$44
50	Amica	$494	$41
50	Travelers	$491	$41
50	Geico	$646	$54
50	Progressive	$741	$62
50	Farmers	$829	$69
50	Nationwide	$812	$68
50	Allstate	$904	$75
55	State Farm	$340	$28
55	Amica	$466	$39
55	American Family	$543	$45
55	Travelers	$505	$42
55	Geico	$646	$54
55	Progressive	$720	$60
55	Nationwide	$771	$64
55	Farmers	$789	$66
55	Allstate	$902	$75
60	State Farm	$328	$27
60	Amica	$494	$41
60	American Family	$569	$47
60	Travelers	$522	$44
60	Geico	$646	$54
60	Progressive	$724	$60
60	Nationwide	$780	$65
60	Farmers	$793	$66
60	Allstate	$976	$81
65	State Farm	$378	$32
65	Amica	$552	$46
65	Geico	$646	$54
65	American Family	$721	$60
65	Travelers	$619	$52
65	Nationwide	$862	$72
65	Progressive	$855	$71
65	Farmers	$1,028	$86
65	Allstate	$993	$83
70	State Farm	$378	$32
70	Amica	$588	$49
70	Geico	$646	$54
70	American Family	$721	$60
70	Travelers	$703	$59
70	Nationwide	$862	$72
70	Progressive	$855	$71
70	Farmers	$1,028	$86
70	Allstate	$993	$83
75	State Farm	$378	$32
75	American Family	$721	$60
75	Amica	$679	$57
75	Geico	$762	$64
75	Nationwide	$862	$72
75	Progressive	$855	$71
75	Travelers	$815	$68
75	Farmers	$1,046	$87
75	Allstate	$1,016	$85
16	USAA	$2,804	$234
17	USAA	$1,760	$147
18	USAA	$1,454	$121
19	USAA	$938	$78
20	USAA	$780	$65
21	USAA	$646	$54
22	USAA	$584	$49
23	USAA	$550	$46
24	USAA	$524	$44
25	USAA	$456	$38
30	USAA	$386	$32
35	USAA	$369	$31
40	USAA	$359	$30
45	USAA	$348	$29
50	USAA	$343	$29
55	USAA	$346	$29
60	USAA	$353	$29
65	USAA	$429	$36
70	USAA	$429	$36
75	USAA	$429	$36

Read our methodology

Rhode Island minimum coverage cost by city

Newport drivers pay the least for minimum coverage in Rhode Island at $533. However, Providence pay the most at $819.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in Rhode Island.

City	Average annual premium	Average monthly premium
Newport	$533	$44
Coventry	$625	$52
Woonsocket	$653	$54
Cumberland	$683	$57
Warwick	$709	$59
East Providence	$722	$60
Cranston	$770	$64
Central Falls	$777	$65
Pawtucket	$790	$66
Providence	$819	$68

Read our methodology

Optional car insurance coverage in Rhode Island

Rhode Island requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Methodology

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

Rhode Island car insurance laws and requirements: FAQs

Is it mandatory to have car insurance in Rhode Island?

Yes, Rhode Island requires that you carry at least the minimum mandatory coverage. Necessary coverage includes 25/50/25.

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in Rhode Island?

If you're caught driving without car insurance in Rhode Island, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.