Rhode Island Auto Insurance

The Ocean State

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Rhode Island Auto Insurance

Though Rhode Island may be small, it has some great cities for cool events and nightlife. There will be plenty to explore within the state and in its neighboring states. You’ll have hundreds of miles on your car exploring all the places that Rhode Island and nearby states have to offer. Of course, with all that driving, you’ll need to make sure that you have the right car insurance to protect you and your family.

AIS Auto Insurance Specialists can help you with getting the required insurance to drive in Rhode Island and assess any additional necessary coverage based on your situation.

Required Rhode Island Auto Insurance

Rhode Island requires that all drivers have a minimum of Bodily Injury Liability and Property Damage Liability. Driving without the minimum Auto Insurance liability coverage will result in a fine of $500 to $5,000; with repeated offenses, your vehicle registration and license plate will be revoked. Learn about the minimum coverages required and talk to an AIS specialist to ensure that you have the proper coverage.

State Minimum Liability Coverage in Rhode Island

Your Rhode Island Auto Insurance must have liability coverage with these minimum amounts:

  • BI or Bodily Injury: $25,000 per person; $50,000 for injuries to multiple people in an accident
  • PD or Property Damage: $25,000 per accident

Uninsured/Underinsured Motorist

  • Must equal the same as your liability coverage

Optional Coverage in Rhode Island to Consider

Rhode Island Auto Insurance policies also have the option to add additional coverage, above the required minimum liability coverages. These Coverages are available to you to choose from:

  • Collision
  • Comprehensive
  • Medical Payments
  • Rental Reimbursement
  • Towing and Labor

**Note: If you are financing or leasing your car, you are required to buy collision coverage and comprehensive coverage by the lender.

Most Stolen Car Models in Rhode Island

According to the www.nicb.org, these are the cars that are most stolen in the state of Rhode Island. If your car is on this list, your Auto Insurance premium is likely going to be higher than others.

  1. Nissan Maxima
  2. Honda Accord
  3. Dodge Caravan
  4. Honda Civic
  5. Toyota Camry
  6. Nissan Altima
  7. Jeep Cherokee/Grand Cherokee
  8. Toyota Corolla
  9. Plymouth Voyager
  10. Ford Pickup

Rhode Island Auto Insurance Discounts

Comparing rates is a great way to save money on Auto Insurance premiums, but knowing what discounts are available to you can help you save even more. Below is a list of discounts that are available for Rhode Island Auto Insurance:

  • Multiple Policies
  • Multiple Vehicles
  • Renewing your policy
  • Accident-free
  • Safety Devices
  • Anti-theft Devices
  • Low Annual Mileage
  • Driver Training Courses
  • Good Grades

To learn more about specific discounts, visit our Discounts page.

There are many beautiful places to explore all over the state by way of driving. Keeping you and your family protected financially and legally on the road with the required auto insurance will keep your driving moments much more enjoyable. If you don’t want to spend hours searching for low rates and best coverage from hundreds of carriers, Auto Insurance Specialists are here to help with that! We search and find the best rates and coverage from our high-quality insurance partners. The helpful professionals at AIS Auto Insurance Specialists can be an excellent asset to Rhode Island drivers. For information and a quick free quote on a Rhode Island auto insurance policy, call us at AIS today!

Start a Rhode Island Auto Insurance Quote Today: (888) 772-4247

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