Auto Insurance Minimum Requirements
Rhode Island requires all drivers to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage — commonly written as 25/50/25. Rhode Island is a tort (at-fault) state, which determines how fault and claims are handled after a collision. Uninsured motorist coverage is not required by law but is strongly recommended. Personal Injury Protection (PIP) is not required.
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.
Fine
$100–$500
License / Registration
Suspension: Yes
SR-22 Required After
No
What is the minimum car insurance required in Rhode Island?
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. This is written as 25/50/25 coverage.
Is Rhode Island a no-fault state?
No, Rhode Island is a tort (at-fault) state. The driver responsible for the accident is liable for damages, and claims are filed against their insurance.
Is uninsured motorist coverage required in Rhode Island?
Uninsured motorist coverage is not required in Rhode Island, but it is strongly recommended given the proportion of uninsured drivers nationwide.
What happens if I drive without insurance in Rhode Island?
Driving without insurance in Rhode Island can result in fines of $100–$500 and license/registration suspension.
Do I need an SR-22 in Rhode Island?
SR-22 filings are used in Rhode Island for high-risk drivers following events like DUI convictions, serious violations, or driving without insurance. An SR-22 is a certificate of financial responsibility filed by your insurer — it is not a type of insurance policy. Required for up to 3 years following high-risk offenses or dynamic safety infractions.
What does 25/50/25 mean in Rhode Island?
These numbers represent your liability limits: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. These are the legal minimums — purchasing higher limits provides greater financial protection.
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Official Source
Rhode Island Division of Motor Vehicles
More Rhode Island Resources
Data Methodology
DataTactic researchers verify auto insurance minimum requirements directly against official government sources — Rhode Island Division of Motor Vehicles publications, state statutes, and agency websites. Each data point is cross-referenced against primary sources before publication. Records are reviewed and updated when laws or requirements change.
Last verified: 2026-05-27 · Always confirm with official state sources before making coverage decisions.