Car insurance in Rhode Island
Rhode Island is an at-fault state with a minimum liability requirement of 25/50/25. Here's what that means, what it costs, and what to check before you buy.
What the minimums actually mean
$25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage (or a $75,000 combined single limit option).
Insurers must include UM by default, but a driver carrying only the state minimum liability limits can reject it via a signed written advisory notice - effectively optional at the minimum-coverage tier rather than a hard mandate.
Estimated cost
$910 a year for minimum coverage, $2,991 for full coverage2
Average annual premiums in Rhode Island for a 40-year-old with a clean record and good credit, driving a 2023 Toyota Camry. Full coverage here means 100/300/50 liability plus collision and comprehensive.
Why this is an average, not a quote
SR-22 & high-risk filings
Required for DUI and other serious violations, typically for about 3 years.
Local conditions worth knowing
Despite being the smallest state geographically, Rhode Island has notable traffic density in the Providence metro area, and its liability minimums are higher than many neighboring states' historical minimums.
Frequently asked
- What is the minimum car insurance requirement in Rhode Island?
- Rhode Island requires liability limits of at least 25/50/25. $25,000 per injured person, $50,000 total per accident for injuries, and $25,000 for property damage (or a $75,000 combined single limit option).
- Is Rhode Island an at-fault or no-fault state?
- Rhode Island is an at-fault state for car insurance claims.
- Do I need an SR-22 in Rhode Island?
- Required for DUI and other serious violations, typically for about 3 years.
- Is uninsured motorist coverage required in Rhode Island?
- Insurers must include UM by default, but a driver carrying only the state minimum liability limits can reject it via a signed written advisory notice - effectively optional at the minimum-coverage tier rather than a hard mandate.
Sources
- MoneyGeek, Minimum car insurance requirements by state, October 1, 2026.
- Bankrate, using Quadrant Information Services rates (November 2025), Average cost of car insurance, updated June 5, 2026.
Figures checked against these sources on October 2, 2026.
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