Buy Cheap Rhode Island Auto Insurance in 2024
Compare Quotes Now
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
State Coverage Requirements
Coverage Type
State Coverage Requirements
Bodily Injury Liability
$25,000 limit per person / $50,000 limit per accident
Property Damage Liability
$25,000 limit
Collision
Not required, but recommended
Comprehensive
Not required, but recommended
Medical Expenses
Not required, but recommended
Personal Injury Protection (PIP)
Not required
Uninsured Motorist
$25,000 limit per person / $50,000 limit per accident, can be rejected in writing
Underinsured Motorist
Combined with uninsured motorist coverage
Property Protection (PPI)
Not required
Average rates vs National Average
Cellphone/Texting
Buy Cheap Rhode Island Auto Insurance in 2024
Explained
Hand-Held Cell Phone Ban:
No
There is no ban.
All Cell Phone Use Ban for Novice Drivers:
Yes
Drivers under the age of 18 cannot use a cell phone at all while driving.
Texting Ban:
Yes
In Rhode Island, text messaging is banned for all drivers.
DUI Laws
Buy Cheap Rhode Island Auto Insurance in 2024
Explained
The legal limit for a blood alcohol concentration (BAC):
0.08
The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.
Increased penalty for high BAC:
0.10 and .15
There are increased penalties for drivers with a BAC of 0.10 and .15 or above.
1st offense Suspension:
None
None in Rhode Island.
Ignition Interlocks:
Judicial discretion on 2nd or subsequent offenders
These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Rhode Island made the installation of ignition interlocks discretionary to the judges on an offender's second or subsequent conviction.
Repeat Offenders:
None
None in Rhode Island.
Open Container Law:
Yes
No driver or passenger can have any receptacle that contains any amount of alcohol that is open or unsealed in his or her possession or in any area of the vehicle where it would be easily accessible by the driver or passengers.
Graduated Drivers License
Buy Cheap Rhode Island Auto Insurance in 2024
Explained
Learner Stage:
(Supervised driving, to be completed with a driving test): At 16 years of age, individuals can begin driving with supervision for a period lasting a minimum of six months. In this stage, the new drivers are required to get 50 hours of supervised driving, 10 of which need to be at night.
Intermediate Stage:
Min. Age: 16.5
Night Driving Restriction: 1am-5am
Passenger Restriction: No more than 1 passenger under 21 for the first year
(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 16 and six months are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of 1am and 5am and cannot drive with more than one passenger under 21 for the first twelve months.
Full Privilege Age:
Age: 17.5
(Full driver's license): At the age of 17 and six months, Rhode Island drivers can now get a standard driver's license without any restrictions.
Speed Limit
Rural Interstates:
SPEED LIMIT
65
MPH
SPEED LIMIT
65
MPH
Urban Interstates:
SPEED LIMIT
55
MPH
SPEED LIMIT
55
MPH
Other Limited Access Roads:
SPEED LIMIT
55
MPH
SPEED LIMIT
55 MPH
Page Source: ghsa.org
Buy Cheap Rhode Island Auto Insurance in 2024
Department of Insurance
Website: dbr.ri.gov/divisions/insurance/
Address: 1511 Pontiac Avenue, Cranston, Rhode Island 02920
Phone: 401-462-9500
Buy Cheap Rhode Island Auto Insurance in 2024
DMV Information
Website: www.dmv.ri.gov/
Phone: 401-462-4368