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Mandatory Liability Requirements for Rhode Island
Liability insurance protects you and your passengers from losses that are the result of a motor vehicle accident. It protects your assets. Rhode Island, like all US states, requires that a vehicle owner purchases a minimum required amount of auto lliability insurance.
Mandatory Liability Auto Insurance Coverage in Rhode Island:
- Bodily injury (BI) liability: $25,000 per person, $50,000 per accident for bodily
injury to others.
- Property damage (PD) liability: $25,000 per accident for damage to the property of
others.
- Uninsured motorist coverage is not required in Rhode Island.
Rhode Island Proof of Insurance
It’s the law that you must carry proof of insurance with you whenever you are in your vehicle in Rhode Island. Your insurance
company is required to give you at least one card per insured vehicle that shows
the effective date and expiration date of your policy.
Keep this card in your vehicle at all times as it is required that you prove you have insurance if you are in an accident or stopped by a police officer. If you are caught driving without auto liability insurance, you may be subject to fines, suspended driving privileges, and/or your vehicle may be impounded.
Every Rhode Island Insurance Company Must Abide By Nondiscrimination Laws
You may not be discriminated against because of your race, skin color, religious beliefs or nationality. It’s against the law. This means that you may not be denied coverage, refused renewal or charged more for coverage due to any of these factors. If you do have a higher auto rate than someone else, it must be “based on sound
actuarial principles.” To understand underwriting better, visit our Rhode Island car insurance rates page.
Adding Liability Coverage
You might consider purchasing additional liability coverage. You may purchase an additional policy
to provide extra liability protection in the event that you are sued.
This type of coverage will start paying when
your other policy’s liability limits are exhausted.
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