Rhode Island Auto Insurance Laws

Rhode Island, like every state in the US, requires that drivers purchase some amount of auto liability insurance to protect other drivers and their vehicles if you are at fault for causing an auto accident. Every state has its' own mandatory minimum auto liability insurance requirements, which can make it very confusing when shopping around for a new auto insurance policy. Find out about Rhode Island auto insurance minimum liability requirements before you purchase a new car insurance policy.

First, you need to know Rhode Island's mandatory liability limits.
1. $25,000 per person for Bodily Injury Liability
2. $50,000 per accident for Bodily Injury Liability
3. $25,000 per accident for Property Damage Liability

Quite often, you'll see this written as 25/50/25. These are the MINIMUM amounts required in the state of Rhode Island, but they are not the recommended amounts for the vast majority of Rhode Island residents.

Auto liability insurance is required in every state because it can cost other drivers money if you do not carry insurance and cause a car accident. Unfortunately, there is a significant percentage of drivers who do not purchase the required amounts of liability insurance (or high enough amounts to cover all of your expenses), so that often leaves the victims stuck with the bill. You should seriously consider purchasing additional auto insurance coverage that at least protects costs up to an amount that protects the value of your vehicle.

While not required in Rhode Island, you may want to consider purchased uninsured (or underinsured) motorist coverage (UIM). It will help protect you and your assets in the event that you are involved in an auto accident with an uninsured or underinsured driver.

Sources:
Rhode Island Car Liability Coverage Laws
AutoInsurancePlanners.com