Updated March 2026
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.
Cost 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 Auto Insurance Rates in Rhode Island
Coverage Options
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Frequently Asked Questions
Sources
- Rhode Island Division of Motor Vehicles - Driver Licensing and SR-22 Requirements
- Rhode Island Department of Business Regulation - Insurance Division
- Insurance Information Institute - State Auto Insurance Requirements