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RI Auto Insurance

Rhode Island Auto Insurance

RI Insurance Resources

It’s Time for A Low RI Car Insurance Rate

For no cost, you can find a cheap Rhode Island rate instantly:

It’s Not Difficult to Find & Compare Auto Insurance Quotes in Rhode Island

Auto insurance planners helps save time & money by making it easy to compare Rhode Island car insurance quotes from multiple RI car insurance companies. The cost of a policy is important, but we know it’s not the only consideration. We’ll also assist you by helping you learn information about a company before you purchase a new policy from it.

We’ve made it our mission to assist Rhode Islanders by providing all of the resources & tools necessary to help residents find an affordable auto insurance policy. We know that the possible savings per year may make a huge difference in a persons’ life.

A low cheap rate is only minutes away. We know that shopping for a car insurance policy can be a stressful, overwhelming process and it’s common to feel confused. Unfortunately, too many people give in to purchasing the first auto insurance policy they come across and it often costs them way more than they need to be paying. Don’t purchase what you don’t need. The way to shop for car insurance is to know what you need, why you need it, and what different insurance companies in Rhode Island are charging for policies that meet those needs. Learn everything you need to know about Rhode Island’s auto insurance laws and compare Rhode Island auto insurance company quotes here, your one-stop-shop for all things related to Rhode Island car insurance.

Rhode Island auto insurance law: minimum required auto insurance

Liability limits (in 100′s)	PIP required	No Fault State	Uninsured Motorist coverage required
25/50/25	No	No	No

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

First number: bodily injury liability maximum for
one person for injuries you caused to the other party
Second number: bodily injury liability maximum for all injuries in one accident
Third number: property damage liability maximum for one accident

Types of Auto Insurance Coverage Available In Rhode Island

Bodily injury liability: This pays for damages
other people incur if you or someone you
allow to drive your car causes an auto accident.
Examples of damages include medical expenses,
rehabilitation, funeral costs, settlement of lawsuits,
and legal expenses.
Property damage liability: This pays for
damage to other people’s property if you or
someone you let drive your car causes an auto
accident. It usually pays for repair or actual cash
value (ACV) of others’ property and your legal
expenses.
Personal injury protection (PIP): This typically pays
for medical, rehabilitation, funeral, and childcare
expenses as well as for loss of earnings and
in-home assistance if you and your passengers
are injured in an accident, regardless of who is at
fault.
Uninsured and underinsured motorist bodily
injury: This pays medical, rehabilitation,
and funeral expenses, loss of earnings, and other
damages if you or your family are involved in a
vehicle, bicycle, or pedestrian accident caused by
an uninsured or underinsured motorist or a hit and
run driver.
Uninsured motorist property: This is for damage to your motor vehicle that is caused by an uninsured
driver. This optional coverage generally duplicates
your collision coverage, but may be a good
buy if you have a high deductible on your collision
coverage or don’t have collision coverage.
Collision: This pays for repairing your
vehicle in a collision or rollover.
Comprehensive: This pays for damage to
your vehicle resulting from theft, vandalism,
windstorms, fire, hail, etc.

Rhode Island Resources That Will Help You Get A Low Auto Insurance Policy Rate: