Rhode Island Car Insurance

Rhode Island Car Insurance—The Basics

Everyone knows Rhode Island as the smallest state in the U.S., but it happens to have the longest name of any state. In fact, its official name is The State of Rhode Island and Providence Plantations. Before you take a day trip along the coast, visit Rhode Island's prestigious universities, or make a quick stop in Newport for some chowder, you'll need auto insurance. Fortunately, you can get a Rhode Island car insurance quote with GEICO anytime.

Important Facts About Auto Insurance For Rhode Island Drivers

Take a look at these Rhode Island car insurance laws and make sure you have everything you need before a cruise along I-95.

Car insurance in Rhode Island is mandatory. You can't register a vehicle without it, and the state requires you to sign a statement that you'll maintain consistent auto insurance coverage throughout the entire registration period. Failure to show proof of auto insurance when asked by police could result in a $500 fine and a suspension of your license for three months.

Learn More About Rhode Island Car Insurance Requirements

In RI, you must carry the following required minimum coverages and limits:

  • Bodily Injury Liability Coverage: $25,000 per person and $50,000 per accident
  • Property Damage Liability Coverage: $25,000 per accident
  • Uninsured/Underinsured Motorist Coverage: $25,000 per person and $50,000 per accident
  • Uninsured Motorist Property Damage: $25,000 per accident*
  • Medical Payments Coverage: $3,000 per accident*

*You may reject the Uninsured Motorist Property Damage and Medical Payments coverages. A GEICO insurance agent can explain your policy options.

Rhode Island Teen Driver Laws

There are three different stages Rhode Island teens must go through during driving instruction: limited instructional permit, limited provisional license, and full operator license.

Rhode Island teens may get a limited instructional permit at 16. New drivers between the ages of 16 and 18 must complete a mandatory 33-hour driver's education course before testing for the permit. Once the teen obtains the permit, he or she may drive under the supervision of a licensed driver. The permit is valid for one year or until the driver turns 18. When the teen completes six months of supervised driving without an infraction, and 50 hours (at least 10 at night) of practice, he or she may apply for a limited provisional license.

Once a teen has a provisional license, he or she may drive at any time of day if accompanied by a supervising driver. Teens with a limited provisional license may drive unsupervised between the hours of 5:00 AM and 1:00 AM. The limited provisional license will expire when the driver turns 18. At that point, a teen may apply for a full operator license as long as he or she has held a limited provisional license for at least a year.