Rhode Island

Auto Insurance Minimum Requirements

25/50/25

Liability Limits

No-Fault

N/A

PIP Minimum

Optional

Uninsured Motorist

Full Requirements

Bodily Injury (per person)$25,000

Bodily Injury (per accident)$50,000

Property Damage$25,000

Uninsured Motorist RequiredNo

Underinsured Motorist RequiredNo

PIP RequiredNo

No-Fault StateNo (tort)

MedPay RequiredNo

SR-22 FilingsYes (for high-risk drivers)

Effective Date2018-05-01

Uninsured / Underinsured Motorist

Must be offered; can be waived in writing only if purchasing minimum liability coverage.

SR-22 Filings

Required for up to 3 years following high-risk offenses or dynamic safety infractions.

Alternatives to Insurance

A financial security deposit or surety bond under specific conditions with the state treasurer.

Official Source

Rhode Island Division of Motor Vehicles

Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.