Cheap Auto Insurance in Rhode Island for 2025 (Big Savings With These 10 Companies!)

State Farm, Travelers, and Progressive offer some of the best cheap auto insurance in Rhode Island. Finding affordable coverage doesn’t have to be stressful.

This guide covers budget-friendly insurers, discounts, and essential coverage options while ensuring that you adhere to Rhode Island’s insurance laws. Your driving record, vehicle type, and location impact quotes. Compare cheap auto insurance quotes to find the best deal on low-cost coverage.

We’ll also discuss Rhode Island’s minimum coverage requirements, tips for reducing premiums, and must-know state driving laws.

Our Top 10 Company Picks: Cheap Auto Insurance in Rhode Island

Whether you’re a student, senior, or safe driver looking for savings, this guide will help you secure the cheapest auto insurance without sacrificing protection.

Each auto insurance company has unique strengths; comparing their offerings can help determine the best fit for your needs.

Ready to buy Rhode Island auto insurance? Before reading our ultimate Rhode Island auto insurance guide for your area, enter your ZIP code in the box above. Find the best Rhode Island auto insurance rates today.

#1 –  State Farm: Top Overall Pick

Pros

• Affordable Rates: Offers affordable auto insurance in Rhode Island, with rates starting at $32 a month. Read more in our full review of State Farm’s auto insurance.
• Multiple Discounts: Insurers offer multiple discount opportunities, including safe driver rewards, multi-policy bundling, and good student discounts, allowing policyholders to save up to 30% on their premiums.
• Strong Customer Support: Many providers offer 24/7 claims assistance and have a robust network of local agents, ensuring prompt and reliable customer service – a key factor in securing affordable auto insurance in Rhode Island.
• User-friendly apps: Top-rated mobile apps and online portals make it easy to manage policies, pay bills, and file claims on the go.

Cons

• Limited High-Risk Coverage: While rates are affordable for many, individuals with accidents, DUIs, or SR-22 requirements may encounter higher premiums or limited coverage options.
• Fewer Customization Options: Some insurers may lack specialized add-ons, such as new auto replacement coverage, which could be important for certain policyholders.​
• No Gap Insurance: Not all providers offer gap insurance, which is essential for drivers with financed or leased vehicles to cover the difference between the auto’s value and the remaining loan balance.

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#2 – Travelers: Cheapest Rates for Coverage Options

Pros

• Competitive Rates: Travelers offers cheap auto insurance in Rhode Island, starting at $44 a month. Read our review of Travelers to learn more.
• Strong Discount Options: Save up to 13% with multi-policy bundling, 10% for safe driving, and 5%–8% for insuring a hybrid or electric vehicle.
• Accident Forgiveness: If you qualify, you can avoid rate increases after your first accident, helping to keep premiums stable over time.
• Customizable Coverage: For extra financial protection, it offers add-ons such as roadside assistance, new car replacement, and gap insurance.

Cons

• Higher Base Rates: Travelers’ starting premiums tend to be higher than State Farm’s $32 rate, making it less competitive for budget-conscious drivers seeking low-cost auto insurance in Rhode Island.
• Limited Local Agents: Compared to major insurers like State Farm, there are fewer in-person offices, which may be a drawback for those who prefer face-to-face support.
• Mixed Customer Reviews: Some policyholders report slower claims processing times compared to competitors, which can be frustrating after an accident.

#3 – Progressive: Cheapest for High-Risk Drivers

Pros

• Affordable Coverage: The company offers low-cost auto insurance in RI, starting at $49 a month. Our complete Progressive review covers this in more detail.
• Name Your Price Tool: This feature allows drivers to set a budget and find policies that match their price range, making it ideal for those seeking budget-friendly auto insurance in Rhode Island.
• Large Discount Selection: Save with multi-policy (up to 5%), good driver (up to 31%), and online quote discounts.
• Strong Digital Experience: It provides easy online quotes, policy management, and claims filing, making it convenient for tech-savvy drivers.

Cons

• Higher Rates for High-Risk Drivers: It can be expensive for those with accidents, DUIs, or multiple violations on their record.
• Customer Service Varies: Some policyholders report inconsistent support, with delays in claims processing.
• Limited Local Agent Support: Primarily an online-based insurer, which may not be ideal for drivers who prefer in-person assistance.

#4 – Geico: Cheapest for Employee Discounts

Pros

• Affordable Rates: The company offers RI cheap auto insurance, starting at $53 a month. Learn more about Geico’s rates in our Geico auto insurance company review.
• Generous Discounts: Save with military (up to 15%), federal employee, multi-policy (up to 25%), and safe driver (up to 22%) discounts, making Geico an excellent option for auto insurance discounts in Rhode Island.
• Easy Online Access: A user-friendly app and website enable quick quotes, easy claim filing, and seamless policy management.
• Strong Financial Stability: Geico has a solid industry reputation and a history of reliable claims handling.

Cons

• Limited Local Agents: Fewer in-person support options compared to competitors like State Farm.
• Higher Rates for High-Risk Drivers: Premiums can be significantly more expensive for drivers who have had accidents, DUIs, or poor credit scores.
• Fewer Customization Options: It offers limited add-ons compared to insurers like Travelers or Progressive, which provide more coverage flexibility.

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#5 – American Family: Cheapest for Loyalty Savings

Pros

• Competitive Pricing: The company offers the most affordable auto coverage in RI, starting at $64 per month. Learn more about American Family in our American Family review.
• Excellent Discount Options: Save with bundling (up to 29%), loyalty, good student (up to 25%), and safe driver (up to 20%) discounts.
• Strong Customer Service: Highly rated support team with local agents available for personalized assistance.
• Customizable Coverage: It offers add-ons like accident forgiveness, roadside assistance, and gap insurance for better protection.

Cons

• Higher Base Rates: Starting premiums are often higher than competitors like State Farm ($32) and Geico, making it challenging to secure competitive auto insurance rates in Rhode Island.
• Limited Availability: Fewer locations and agents, making in-person support less accessible compared to major national insurers.
• Slower Claims Processing: Some customers report delays in claim approvals and payouts, leading to longer wait times.

#6 – Farmers: Cheapest for Family Drivers

Pros

• Reliable Coverage: The company offers RI affordable auto coverage, starting at $78 a month. Read our Farmers Insurance company review to learn more.
• Diverse Discount Options: Save with bundling (up to 20%), good driver (up to 15%), multi-car (up to 10%), and professional group discounts—an excellent option for those seeking wallet-friendly auto insurance in Rhode Island.
• Strong Local Agent Network: This offers personalized service with an extensive in-person support network.
• Customizable Policies: Includes add-ons like new auto replacement, accident forgiveness, and customized equipment coverage.

Cons

• Higher Starting Rates: More expensive than competitors like State Farm ($32) and Geico.
• Mixed Customer Reviews: Some policyholders report inconsistent claims handling and unexpected rate increases.
• Limited Digital Experience: Online tools are less advanced than those of Geico or Progressive, making policy management less convenient.

#7 – Allstate: Cheapest for Detailed Coverage

Pros

• Reliable Coverage: The company offers the lowest car insurance rates in RI, starting at $80 a month. Read more about this provider in our  Allstate auto insurance review.
• Many Discount Options: You can save with bundling, safe driver, new auto, and multi-policy discounts, providing fair-priced auto insurance in Rhode Island for quality protection.
• Strong Local Agent Support: This option offers personalized service with in-person assistance, making it a good choice for those who prefer face-to-face interactions.
• Comprehensive Add-Ons: Includes accident forgiveness, roadside assistance, and new auto replacement for added coverage flexibility.

Cons

• Higher Premiums: It is more expensive than competitors like State Farm ($32) and Geico, making it less budget-friendly.
• Mixed Customer Satisfaction: Some drivers report high renewal rates and delays in claims processing, impacting the overall experience.
• Strict Eligibility for Discounts: While there are many savings opportunities, some require specific conditions to qualify, limiting accessibility.

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#8 – Nationwide: Cheapest for Accident Forgiveness

Pros

• Affordable Coverage: The company offers minimum coverage car insurance in RI, starting at $81 a month. You can learn more in our Nationwide auto insurance review.
• Vanishing Deductible: You can reduce your deductible each year for safe driving, which helps lower your out-of-pocket costs in the long run.
• Strong Discount Options: Save with bundling, good driver, accident-free, and multi-policy discounts, making coverage more affordable.
• Comprehensive Coverage Add-Ons: These offer extras like roadside assistance, gap insurance, and accident forgiveness for enhanced protection, making them ideal for those seeking budget-friendly auto insurance in Rhode Island.

Cons

• Higher Base Rates: More expensive than budget-friendly competitors like State Farm ($32) and Geico, making it less appealing for cost-conscious drivers.
• Limited Local Agents: Compared to companies like Allstate, there are fewer in-person support options, which may affect access to customer service.
• Strict Eligibility for Some Discounts: Certain discounts have specific qualification requirements, which limit access for some policyholders.

#9 – Liberty Mutual: Cheapest for Customizable Coverage

Pros

• Customizable Coverage: The company offers cheap insurance for in RI, starting at $100 a month. Learn more about this provider in our thorough Liberty Mutual company review.
• Unique Discounts: Liberty Mutual offers several discounts, including bundling policies, rewards for good students, and the RightTrack program, which tracks safe driving habits to potentially lower premiums and help secure affordable auto insurance in Rhode Island.
• Accident Forgiveness: This feature ensures that your premium doesn’t increase after your first accident, promoting peace of mind for drivers.
• Strong Digital Tools: The company offers robust online policy management and claims processing tools, enhancing customer convenience. ​

Cons

• Higher Premiums: Some customers report that Liberty Mutual’s premiums can be more expensive than those of competitors like State Farm and Geico. ​
• Mixed Customer Reviews: Feedback varies, with some drivers noting high renewal rates and delays in claims processing.
• Discount Eligibility Varies: The availability and eligibility for specific discounts may depend on factors such as your driving history and location.

#10 – Erie:  Cheapest for Full Coverage

Pros

• Competitive Pricing: The company offers cheap insurance rates in Rhode Island, starting at $105 a month. Read our in-depth Erie auto insurance review to find the best policy for your needs.
• Rate Lock Feature: Erie’s Rate Lock allows policyholders to maintain consistent premiums unless they make specific policy changes, such as adding or removing a vehicle or driver, or changing their address—ideal for those seeking money-saving auto insurance in Rhode Island.
• Highly Rated Customer Service: The company has received above-average ratings for customer satisfaction and claims handling.
• Comprehensive Coverage Options: Erie offers a variety of coverage options, including accident forgiveness, new car replacement, pet injury coverage, and diminishing deductibles.

Cons

• Limited Availability: Erie’s services are currently available in 12 states and Washington, D.C., which restricts access for potential customers in other regions. ​
• Higher Starting Rates: More expensive than insurers like State Farm and Geico.
• Fewer Online Tools: The company’s digital experience is not as advanced as some competitors, lacking features like online claims filing through their mobile app.

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Auto Insurance Costs & Coverage in RI

Looking for cheap auto insurance in Rhode Island? Our top 10 company picks offer affordable rates and excellent coverage. The table below shows the best options available.

Rhode Island Auto Insurance Monthly Rates by Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$80	$189
	$64	$151
	$105	$195
	$78	$183
	$53	$125
	$100	$235
	$81	$190
	$49	$116
	$32	$76
	$44	$103

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First, it’s essential to understand the different types of auto insurance coverage so you know exactly what you’re paying for.

Choosing the right auto insurance provider in Rhode Island can be difficult. We compared companies based on financial strength, customer service, and complaint history. Strong customer service is essential, especially when filing a claim.

In 2018, Amica Mutual was ranked first for customer satisfaction in New England, excluding USAA. Comparing auto insurance providers can help you find a company with top-rated customer support.

The Reddit post below states that Travelers provides excellent claims service, whether you are their policyholder or filing a claim for a third party.

With competitive rates and reliable service, Travelers is an excellent option for affordable auto insurance in Rhode Island.

How Age & Gender Affect Auto Insurance Rates

Usually, people assume women have higher insurance rates than men, but this is often not the case.

Auto Insurance Monthly Rates in Rhode Island by Age & Gender

Typically, men pay higher premiums than women. For example, Progressive auto insurance in Rhode Island charges higher rates for younger men, while older women face increased premiums.

It may seem odd that factors like marital status and gender affect auto insurance rates, but they do. Factors that affect your auto insurance rates include age, driving history, and location.

Auto insurance companies offer lower rates for older drivers because increased experience reduces the likelihood of accidents and tickets—drivers aged 25 are statistically safer than those aged 16.

Cheapest Rates by ZIP Code

Your location directly impacts your auto insurance rate—areas with higher accident and injury frequencies typically face higher premiums.

Insurers use local data to set rates based on residence and driving patterns. The table below compares ZIP code rates.

Auto Insurance by ZIP Code in Rhode Island

The cheapest ZIP code in Rhode Island is 02842, which is over twice as cheap as the most expensive ZIP code, 02907. Be sure to compare auto insurance rates by ZIP code to find the most affordable coverage in your area.

Read More: Cheap auto insurance rates.

Cheapest Rates by City

Now, let’s compare the cities in Rhode Island to each other.

Auto Insurance Monthly Rates in Rhode Island by City

Providence is the largest city in Rhode Island, so auto insurance in Providence, RI, is the most expensive. In contrast, smaller towns like Westerly offer lower premiums due to fewer accidents and less congestion.

How Your Commute Affects Auto Insurance Rates

How far you drive every day can also affect your rate.

Auto Insurance Monthly Rates in Rhode Island by Annual Mileage

Average car insurance costs in Rhode Island remain consistent regardless of commute distance for most companies. However, Geico and Liberty Mutual charge several hundred dollars extra based on the commute.

You can also use online comparison tools to find the best rates based on your commute and driving habits.

How Credit Score Affects Auto Insurance Rates

Credit can also play a role in determining auto insurance rates. If you have poor credit, your rates will most likely be extremely high.

Rhode Island residents have an average credit score of 687.

Collectively, the average credit score in the U.S. is 675, so Rhode Island’s average score is 13 points higher than the national average.

Rhode Island Auto Insurance Monthly Rates by Credit Score

How Your Credit Score Affects Your Auto Insurance Premiums—Maintain a good credit report to keep your auto insurance rates low; poor credit could cost you thousands more each year.

Driving Record

Have you ever gotten a speeding ticket and then noticed your auto insurance policy increased? That’s because your driving record is probably the most influential factor when determining auto insurance rates.

Rhode Island Auto Insurance Monthly Rates by Driving Record

Check Geico’s rates: a DUI can raise your annual premium by over $6,000. Drinking and driving not only leads to heavy fines but also significantly increases your insurance costs. Several key factors influence your auto insurance rates, including your driving record in RI, age, credit score, and location.

Percentage of Income

Ever heard of the term “insurance premium”? This is the total amount of money a driver will spend on auto insurance for over one year. Factors that affect your auto insurance premium include driving history, vehicle type, location, and coverage level.

If you’re new to Rhode Island, you may want to compare the average premium to local income. Check State Farm’s site for how premiums stack up and discover affordable coverage options.

Rhode Island’s average per capita income in 2014 was $42,585, and the average auto insurance rate was $1,257.40.

Rhode Islanders spend 2.95 percent of their total annual income on auto insurance.

In neighboring states like Massachusetts and Connecticut, average incomes are roughly $10,000 higher, yet insurance rates remain similar.

Nationally, the average income is approximately $40,000, with an average auto insurance rate of $981.

Low-Cost Insurance

​Rhode Island lacks an insurance program for low-income families. When you’re signing up with a new insurance company, always ask for these discounts:

• Homeowner’s Discount: Insurers offer reduced rates to homeowners, recognizing their stability.
• Good Driver Discount: Maintaining a clean driving record can qualify you for lower premiums. ​
• Student Discount: Full-time students with good grades may be eligible for discounted rates. ​
• Multi-Car Discount: Insuring multiple vehicles with the same provider can help you save. ​
• Military Discount: Active and retired military personnel often qualify for special rates. ​

These discounts can significantly lower your auto insurance premiums.

When obtaining quotes, it’s a good idea to ask about all available discounts.

Auto Insurance Discounts From Top Providers in Rhode Island

Speak with your provider to see if you qualify for discounts.

Rhode Island Auto Insurers With the Most Complaints

The data below is pulled from the NAIC. It includes complaint statistics for the top 10 largest auto insurance companies in Rhode Island.

Complaints in Rhode Island by Provider

Every company receives complaints at some point. What you should really be aware of is how a company handles a complaint. These companies are among the best in the country, and despite receiving complaints, they are still highly recommended.

Financial Ratings of the Largest Auto Insurance Companies

Assessing an insurance company’s financial strength is crucial. The table below presents A.M. Best’s ratings for various insurance companies in the state of Rhode Island.

Financial Ratings in Rhode Island by Provider

These ratings evaluate financial stability, with loss ratios ideally between 50% and 100%. All listed companies meet these criteria and have strong ratings.

Auto Insurance Companies Available in Rhode Island

Just how many licensed insurance companies are there in Rhode Island? Let’s take a look at the data.

Number of Licensed Auto Insurance Companines in Rhode Island

This table lists some of the auto insurance rates from companies in Rhode Island compared to the state average.

Rhode Island Auto Insurance Rates by Company vs. State Average

In total, there are 749 licensed insurance companies in the state of Rhode Island. But what is the difference between foreign and domestic insurance?

Domestic insurance laws are formed under state law. Foreign insurance laws are formed under the laws the U.S. Foreign insurance is applicable to any state in the U.S.

HiRoad Insurance in Rhode Island is a subsidiary of State Farm, offering behavior-based auto insurance that rewards safe driving habits. You can also use online comparison tools to find the cheapest car insurance rates and identify the best insurance providers for your needs.

Financial Responsibility

Every driver in Rhode Island is required to carry a minimum amount of liability insurance, which serves as proof of financial responsibility.

After purchasing an auto insurance policy, you’ll receive proof of coverage to show law enforcement if requested. Acceptable documents include:

• Valid liability insurance ID cards
• Electronic insurance ID card
• Copy of your current car’s insurance policy
• Valid insurance binder (a temporary form of auto insurance)

Driving without proof of insurance (or proof of financial responsibility) in Rhode Island is a misdemeanor.

Rhode Island residents who do not carry proof of insurance can face fines of up to $1,000, and a license suspension of up to 12 months.

If you’re caught driving without proof of insurance, you may be required to get SR-22 insurance. This type of insurance may raise your auto insurance rates. Cheap Auto Insurance from top providers can help you find affordable coverage, even if you need an SR-22.

SR-22 Insurance Requirements

High-risk insurance, also known as SR-22 insurance, is required for drivers who have been convicted of a DUI. SR-22 auto insurance is a high-risk policy issued to confirm to the Rhode Island Department of Motor Vehicles that the policyholder meets the minimum insurance coverage requirements.

There are multiple SR-22 insurance companies in Rhode Island.

Besides getting a DUI, here are some other reasons you might need to get SR-22 insurance:

• Anyone with one or more DUIs on their record
• Multiple ticket violations
• Anyone caught driving without insurance coverage
• Being uninsured at the time of an accident
• Being unable to verify insurance coverage for a random state verification request

If you need SR-22 insurance, some providers can refuse you as a client because you are considered a “high-risk” driver.

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Rhode Island Minimum Coverage Requirements

By law, every driver must have minimum liability Rhode Island auto insurance requirements. This coverage protects drivers in the event of an accident.

Having liability insurance protects drivers by covering damages to their vehicle and others in an accident, reflecting that Rhode Island is an at-fault state.

In Rhode Island, any person who causes an accident is responsible for covering the costs of damages to all parties involved.

It seems simple and fair, doesn’t it? While Rhode Island is one of 38 states with an at-fault title, 12 states in the U.S. are considered no-fault states. Check the Travelers’ site to learn more about at-fault and no-fault insurance policies.

Rhode Island auto insurance requirements are:

• $25,000 liability for bodily injury or death of one person per accident
• $50,000 liability for total bodily injury or death per accident
• $25,000 liability for property damage per accident

Remember, these minimum coverage amounts may not cover all damages. It’s wise to have coverage above the Rhode Island minimum auto insurance requirements.

Additional Liability

Imagine being hit by an uninsured driver and having your auto totaled, leaving you with substantial medical bills. The uninsured driver may not be able to cover these costs, meaning you might not receive the compensation you deserve. This is where uninsured insurance comes into play.

But what exactly is a loss ratio? A loss ratio measures a company’s financial strength by comparing the claims paid to the claims filed.

Rhode Island Auto Insurance Loss Ratios

At least 7.60 percent of Rhode Island drivers are uninsured. Uninsured and medical payment insurance are optional add-ons that can provide extra protection.

Rhode Island is ranked 43rd in the U.S. for uninsured drivers.

The table above shows that insurance companies in Rhode Island paid about 69% of uninsured claims from 2012 to 2014. If this figure exceeded 100 percent, companies risk bankruptcy from excessive payouts, including fraudulent claims.

Conversely, if it were under 50 percent, companies might be underpaying claims.

Avoid auto insurance companies with loss ratios that are too low or too high. Choose companies with loss ratios between 50% and 90%. If your current rates are too high, consider switching to a provider with the most affordable pricing and coverage options.

Add-ons, Endorsements, and Riders

There are many add-on options for auto insurance. But how do you know which ones are right for you? There are many different types of auto insurance coverage. A few of them are:

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Auto Insurance
• Modified Auto Insurance Coverage
• Classic Auto Insurance
• Pay-As-You-Drive or Usage-Based Insurance

This video shows you many of the coverage options that are available.

You don’t have to choose just one policy from this list. Add one or add them all. The decision is completely up to you.

Rhode Island Laws

Understanding and adhering to Rhode Island’s specific driving laws is essential to avoid fines and increased insurance premiums.

Traffic violations, such as speeding, can significantly raise your insurance rates.

Remember how we mentioned that just one speeding violation could significantly increase your insurance rates? The same principle applies to most traffic infractions. Essential safe driving practices can help you stay compliant and keep your rates low.

Auto Insurance Laws in Rhode Island

In Rhode Island, all drivers are required to maintain minimum liability coverage. Subsequent offenses carry increased penalties, including higher fines and longer suspension periods.

But how are these laws written into practice?

According to the NAIC, Rhode Island auto insurance laws have a considerable influence on auto insurance. Each state determines the type of tort law and, if applicable, the threshold that applies in the state, the type and amount of liability insurance required, and the system used for approving insurer rates and forms.

Rhode Island uses what’s called “flex rating” and “prior approval” when approving an individual’s insurance rate.

• Flex rating: Rates must be approved before filing only if they exceed a certain percentage above (and sometimes below) the previously filed rates.
• Prior Approval: Rates and forms must be filed with and approved by the state insurance department before they can be used. A deemed provision indicates approval if the rates or forms are not denied within a specified number of days.

Penalties for Driving Without Insurance

You must have auto insurance on any vehicle you drive in the state of Rhode Island. But what are the penalties for driving without auto insurance?

Penalties for Driving Without Auto Insurance in Rhode Island

Even if you really have auto insurance but are caught driving without proof of insurance, your license may still be suspended. Let’s go back to the basics. What is an acceptable form of proof of insurance?

• Electronic insurance ID card
• Original insurance ID card
• Copy of your current car’s insurance policy
• Valid insurance binder (a temporary form of auto insurance)

Rhode Island drivers are required to carry a certain level of auto insurance to operate a vehicle in the state legally.

Windshield Coverage

Although there aren’t any specific laws regarding insurance companies paying to have a broken windshield replaced, some companies may offer this service with full coverage.

Check with your auto insurance company to see if you’re covered, or consider adding comprehensive coverage to your policy. To learn how to choose the right coverage, explore your options carefully, and compare policies that fit your needs.

Auto Insurance Fraud in Rhode Island

Auto insurance fraud is a serious crime in Rhode Island, which can lead to imprisonment and substantial fines. The Insurance Information Institute categorizes fraud as either “hard” or “soft.”

Complex fraud involves deliberately fabricating claims or staging accidents to collect insurance payouts.

Soft fraud, also known as opportunistic fraud, occurs when individuals exaggerate legitimate claims or misrepresent information to obtain lower premiums.

To report fraud in Rhode Island, please call the Fraud Unit at 1-401-574-8175. You can also visit www.dhs.ri.gov to report fraud anonymously.

Statute of Limitations

​ In Rhode Island, the statute of limitations sets deadlines for filing lawsuits after a car accident:

• Personal Injury Claims: You have three years from the accident date to file a lawsuit for injuries sustained. ​
• Property Damage Claims: You have up to ten years to file a lawsuit for property damage resulting from the accident. ​

While these timeframes provide a window for legal action, it’s advisable to address car accidents and auto claims promptly. Delaying can lead to challenges in gathering evidence and may impact the outcome of your case.

Vehicle Licensing Laws

Now, let’s take a look at some of Rhode Island’s vehicle licensing laws.

REAL ID

By 2020, every driver will be required to carry a REAL ID if they wish to go through security at the airport and board a domestic flight.

The REAL ID Act was created to reduce identity theft and increase safety for the general public.

Teen Driver Laws

According to the IIHS, in Rhode Island, driver’s education is required for permit applicants under 18. However, young drivers can start driver’s education at 16.

Rhode Island Teen Driving Laws

Auto insurance for teenagers can be expensive, but completing a driver’s education course can get cheap auto insurance.

This video tells you more about what to expect with auto insurance for teens.

Below are the laws for drivers with a restricted license.

Rhode Island Young Driver License Restrictions

It is important to note that teen drivers have restrictions on passengers and time until they meet the age requirements.

Rules of the Road in Rhode Island

As you may know, traffic violations and accumulated points on your driving record can lead to higher auto insurance premiums.

But don’t worry! This section covers Rhode Island’s essential road rules to help you stay informed and avoid penalties.

Fault vs. No-Fault

Is Rhode Island a no-fault state? Rhode Island is an “at-fault,” “fault,” or “tort” state for car accidents. That means that the one who caused the crash pays for the damages.

In such cases, the at-fault driver can file a claim with their insurance company to assist with these costs. Therefore, carrying more than the state’s minimum liability coverage is advisable to ensure adequate protection.

What is the Rhode Island DMV accident report form?

When an accident occurs, the Rhode Island DMV accident form must be completed and submitted, regardless of who is at fault. You can fill it out online or mail in the form. You can access the online form here.

Seatbelt and Car Seat Laws

The state of Rhode Island values keeping all drivers and passengers safe in moving vehicles. If you’re unsure about these state-specific seatbelt laws, take a look at the table below.

Seat Belt Laws in Rhode Island

Because the Rhode Island seatbelt law is primary, you can be stopped by the police for not wearing your seatbelt. They do not have to have another reason to stop you.

Adults aren’t the only ones who need to buckle up safely in the car. Children must be in the correct car seat at all times while riding in the car.

Rhode Island Car Seat Rules

The maximum base fine for breaking any of these laws the first time is $85. Additional fees may apply. There are also restrictions against riding in the cargo area of a Pickup truck. You will not be covered by your insurance company in the case of an accident if you are:

• 16 and older
• 15 and younger who are secured in the cargo area

You may not be covered by your insurance in the event of an accident.

Read More: Safe Driving Guidelines

Keep Right and Move Over Laws

Rhode Island law requires drivers moving slower than the normal speed of traffic to keep to the right-hand lane or as close as practicable to the right-hand curb or edge of the roadway.

When approaching a stationary emergency vehicle displaying flashing lights, drivers must, if safe and possible, vacate the lane closest to the vehicle or slow down to a safe speed.

You can also use online comparison tools to shop for the best car insurance rates based on your driving habits and ensure you’re getting the cheapest coverage for your needs.

Speed Limits

Do you know the speed limit laws on every type of road in Rhode Island? If you don’t, you are more likely to be pulled over for a speeding violation. This means your insurance company is expected to raise your rates. Pay attention to the table below, which highlights speed limits in Rhode Island.

Speed Limit Laws in Rhode Island

Obeying the speed limit can help keep your auto insurance rates low. Practicing safe driving habits can also help prevent accidents and keep you and others on the road safe.

Ridesharing

Have you ever heard of Uber or Lyft? If you want to work for a company that offers ridesharing services, you must have ridesharing insurance.

Currently, Geico and Liberty Mutual are the only companies that offer ridesharing insurance in Rhode Island. Although both Geico and Liberty Mutual have ridesharing insurance, they may have separate requirements for obtaining it.

Automation on the Road

What is automation? According to the IIHS, in driving, automation involves using radar, camera, and other sensors to perform parts or all of the driving tasks on a sustained basis instead of the driver.

Rhode Island does not currently have any laws about automation. But stay tuned because automation in cars is the future of driving.

Learn More:

• Levels of Driving Automation

Safety Laws in Rhode Island

We’ve talked about the rules of the road, but now it’s time to discuss Rhode Island’s safety laws, including the negligent operator system.

What is the negligent operator treatment system? This is a points-based system that assigns points for bad driving behavior and assesses penalties based on the points earned. This can result in fines or license restrictions.

In this section, we will highlight laws related to DUIs, impaired driving, distracted driving, and other related offenses. Let’s start with DUI laws.

DUI Laws

In 2017, there were 34 traffic fatalities in Rhode Island resulting from alcohol-impaired drivers. These 34 lost lives are the reason Rhode Island has such strict drinking and driving laws. Take a look at some of these DUI laws in the table below.

DUI Laws in Rhode Island

The amount of alcohol you can drink and be under the legal limit will vary based on the type of alcohol and your body type.

What are the penalties for drinking and driving? Penalties include fines, loss of your license, and possible jail time.

DUI Penalties for Rhode Island

As you can see, different punishments are depending on how many times you break the law and drink and drive.

Read More: Car Insurance After A DUI

Marijuana-Impaired Driving Laws

In Rhode Island, there is a zero-tolerance policy for THC and metabolites. If you get caught doing drugs while driving, you could have your license suspended, face jail time, and have to pay hundreds to thousands of dollars in fines.

Even if you aren’t technically doing marijuana while driving and you are consuming a different drug, law enforcement can still convict you of impaired driving.

Before making a risky decision, consider the consequences. Your driving habits and choices play a significant role in determining your auto insurance rates. A conviction for impaired driving will almost certainly lead to a sharp increase in your premiums.

Distracted Driving Laws

Although technology can be outstanding when used appropriately, it can also be life-threatening. Studies have shown that the effects of texting while driving can be worse than those of drinking and driving. Here are the rules about using your cell phone while driving in Rhode Island.

Distracted Driving Laws for Rhode Island

Primary enforcement means any law enforcement officer has the right to pull you over even if he or she suspects you are using your phone inappropriately while driving.

Read More: Ultimate Road Safety Guide (How to Drive Safely)

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Driving in Rhode Island

We’ve covered the safety rules of the road, but now it’s time to discuss the road risks in Rhode Island. We will address topics like vehicle theft, traffic fatalities, traffic congestion, and crash reports.

Rhode Island Auto Insurance Statistics Summary

Being aware of these risks can help you avoid accidents, theft, and even frustrating traffic jams. While having insurance is essential, prevention is just as important. You can also use online comparison tools to find the most affordable coverage while staying protected on the road.

Don’t go away—vehicle theft is up first.

Vehicle Theft

Did you know some vehicles are more frequently stolen than others? Let’s look at some of the more commonly stolen vehicles in Rhode Island.

Vehicle Theft by Make and Model in Rhode Island

The data above shows the top ten most stolen vehicles in Rhode Island. The year listed is the most popular model stolen. Keep in mind that if your car is stolen, comprehensive coverage insurance will most likely replace it.

Where you live can also affect the likelihood of vehicle theft. The list below, pulled from the FBI, shows the cities in Rhode Island where vehicle thefts occurred most frequently in 2016.

Vehicle Theft by City in Rhode Island

Some of these cities have as few as zero thefts. Cranston has the most vehicle thefts at 136.

Transportation

Have you ever wondered how many cars your neighbors own? Did you know that the number of cars you own can affect your auto insurance rate?

If your policy lists multiple cars, you should be eligible for a multi-car discount.

Car Ownership

Rhode Island residents own an average of two cars.

Very few residents do not own a car or have more than five vehicles.

Read More: Will my auto insurance cover other cars?

Commute Time

According to Data USA, using averages, Rhode Island employees have a shorter commute time (23.9 minutes) than the average US worker (25.5 minutes).

Additionally, 2.36% of the workforce in Rhode Island has “super commutes” that are more than 90 minutes.

Commuter Transportation

In 2017, 79.4 percent of commuters drove alone to work. Almost 10 percent carpooled to work.

Very few people took public transportation, walked, or rode a bicycle to work.

Traffic Congestion in Rhode Island

According to TomTom, Providence is the 293rd most traffic-congested city in the world. Not bad!

Traffic Congestion for Rhode Island

The average travel time in Providence is just 13 minutes.

Now that you’ve learned everything about Rhode Island auto insurance, it’s time to start shopping for a great rate. To get started, enter your ZIP code in the box below for affordable quotes.