Rhode Island Auto Insurance
Auto insurance can be an expensive purchase for Rhode Islanders. With one of the highest rate averages in the nation, finding affordable Rhode Island auto insurance with the coverage you need can be quite a challenge.
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Important Information about Rhode Island Auto Insurance
State law requires you to carry only bodily injury and property damage coverage on your Rhode Island auto insurance policy. These are both liability insurance, which covers any and all damage you cause others and their property when you are at fault in an accident.
Rhode Island requires you to purchase at least the following amounts of liability insurance:
- Bodily injury protection of $25,000 per person and $50,000 per accident
- Property damage coverage of $25,000
State auto insurance experts strongly recommend you insure yourself and your vehicle for higher coverage amounts than these minimums. If you are involved in an accident and do not have sufficient coverage, your Rhode Island auto insurance provider will pay only up to the limits of your policy—and you will be held responsible for the remainder.
How Rates Are Determined
Rhode Island insurers group applicants together with others who have similar risk characteristics in order to determine premiums. Then all group members pay the same premiums for their Rhode Island auto insurance.
Those presenting the lowest risk of claims are charged the lowest premiums, while those with higher claims risk pay more.
Getting the Best Coverage at the Best Price
So how can you keep your claims risk low and get the best Rhode Island auto insurance coverage at the most affordable price? You can do so when you:
- Maintain a good driving record, with as few accidents and tickets as possible
- Ask your insurer about discounts that can help lower your premium
- Buy more than one type of insurance policy from the same insurer
- Set your deductible as high as you can afford
- Keep your credit rating high
- Check out insurance rates before you purchase a new car
Applying Those Discounts
As mentioned above, Rhode Island auto insurance providers offer several discounts which help to lower your out-of-pocket insurance expense.
Consider the following, and ask your insurance provider for which discounts you may qualify:
- Low mileage: the fewer miles you drive, the less your chance of being involved in an accident.
- Good driver/renewal: a good driving record translates into lower rates with many Rhode Island auto insurance companies.
- Safety devices: some of these result in lower premiums by preventing or limiting accidents.
- Anti-theft devices: installing systems that deter theft or vandalism often cuts your Rhode Island auto insurance rates.
- Auto/home package: some insurers offer discounts when you purchase both policies from the same company.
- Good student: students with good grades tend to be better drivers, lowering their Rhode Island auto insurance rates.
- Driver education courses: completing one of these classes often results in a more knowledgeable, careful driver—and a discount.
- Multiple vehicles on one policy: insuring more than one car on the same policy means you'll pay less.
If You Can't Get Coverage
The Rhode Island Automobile Insurance Plan provides coverage to consumers who can't get Rhode Island auto insurance through the normal market.
If you find yourself in this situation, call the Rhode Island Department of Business Regulation, insurance division, at 401-222-2223 for more information.
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