State Requirements
Rhode Island requires minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage. The state uses a point system where accumulating 12 or more points within 18 months triggers license suspension. SR-22 filing is required for DUI convictions, driving without insurance, license suspensions, and multiple serious violations. Most standard moving violations and at-fault accidents add points to your license but do not trigger SR-22 requirements.
Meeting the state minimum keeps you legal. See whether it's enough — get your Rhode Island quote.
Get your Rhode Island quoteCost Overview
High-risk auto insurance in Rhode Island costs significantly more than standard coverage due to increased accident and claim probability. Drivers with DUIs pay the highest premiums, averaging $4,200–$5,200 annually, while those with at-fault accidents or multiple violations typically pay $2,800–$4,000. Point violations from speeding or moving violations increase rates 15%–40% depending on severity, and rates remain elevated until points fall off your record after 3 years.
What Affects Your Rate
- Violation type: DUI increases rates 80%–120%, at-fault accidents 30%–60%, speeding tickets 15%–30%
- Number of points on license: Rhode Island suspends licenses at 12 points in 18 months
- Time since violation: rates decrease as violations age, with most points falling off after 3 years
- SR-22 filing requirement: adds 50%–100% to base premium depending on triggering offense
- Carrier type: non-standard insurers often provide lower rates than standard carriers for high-risk profiles
- Location: urban areas like Providence show higher rates than suburban and rural Rhode Island due to accident frequency
Compare rates from carriers that work with drivers who have points
Standard carriers surcharge heavily after violations. These specialists price your specific record differently.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others in an at-fault accident. Rhode Island's $25,000/$50,000/$25,000 minimums are often insufficient for serious accidents involving injuries or newer vehicles.
SR-22 Insurance
Certificate of financial responsibility filed by your insurer with the Rhode Island DMV proving continuous coverage. Required for 3 years following DUI, uninsured driving, or license suspension.
Non-Standard Auto Insurance
Specialized coverage for drivers with violations, accidents, lapses, or SR-22 requirements who cannot obtain standard policies. Non-standard carriers assess risk differently and often provide the most affordable option.
Uninsured Motorist Coverage
Protects you when hit by a driver without insurance or with insufficient coverage. Covers medical bills, lost wages, and vehicle damage up to your policy limits.
Full Coverage
Combines liability, comprehensive, and collision to protect both your liability exposure and your vehicle's value regardless of fault. Required by lenders on financed or leased vehicles.
Collision Coverage
Pays to repair or replace your vehicle after a collision regardless of fault. Particularly important for high-risk drivers with financed vehicles or recent accident history.
