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Rhode Island Auto Insurance Information and Resources

We have listed below several valuable sources of information to help educate you in obtaining car insurance in Rhode Island. Included are links to organizations with helpful guides on topics such as purchasing auto insurance, filing claims and more.

Rhode Island Auto Insurance Laws

Rhode Island uses the tort system when settling losses caused by car accidents. Under this system, you buy liability insurance that protects other drivers if you were at fault for the car accident. Rhode Island requires every driver and vehicle owner to be financial responsible and most RI citizens purchase automobile liability insurance to fulfill the requirement.

Rhode Island auto insurance law requires you to carry minimum limits of liability coverage: bodily injury liability of $25,000 per person and $50,000 per accident; and $25,000 per accident for property damage to the other person's property. Rhode Island car insurance companies will offer high limits of liability coverage and optional coverages such as uninsured /underinsured motorist coverage, comprehensive coverage and collision coverage.

Rhode Island Department of Motor Vehicles

The Rhode Island DMV website currently only provides registration renewal to be done online. However, RI residents can go online to get information on RI DMV locations and hours, find information about license renewals, out-of-state transfers, find information and forms for new registrations, vanity plates, instructions for getting a VIN check, plate transfers and much more. Rhode Island required drivers who have been involved in an auto accident in the state that resulted in injuries and/or property damage in excess of $1,000 to complete an RI accident report form. The forms are available to be downloaded of the website. RI residents can also read answers to common questions about Rhode Island motor vehicle services.

Rhode Island Department of Business Regulation

The Rhode Island Department of Business Regulation is responsible for regulating and licensing specific industries including insurance, banking, securities, liquor, real estate, racing and athletics, along with many others. The website is mainly directed at insurance and business industries providing up to date information on the latest regulation changes and bulletins. Consumers can get instructions for consumer complaint forms and better understand the Rhode Island insurance department complaint review process. Consumers can also find property and casualty insurance publications. A RI Consumers Guide to Auto Insurance covers in detail information about the Tort system, the No-Fault system, auto insurance liability coverages, Rhode Island Automobile Insurance plan, car insurance company underwriting and rating, and smart auto insurance shopping tips.