You cannot avoid paying for car insurance in Rhode Island if you own a registered vehicle. Car insurance is required for all vehicle owners in Rhode Island, and driving without any coverage can have serious consequences, including license and registration suspension.
In Rhode Island, you are required to carry at least $25,000 per person ($50,000 per accident) in bodily injury liability insurance and $25,000 in property damage liability insurance.
You Don’t Need Car Insurance in Rhode Island If:
You only drive borrowed vehicles occasionally. If you are driving a vehicle your friend or relative owns, you will be covered by their personal car insurance policy. For rental cars, you can purchase rental car insurance.
You never drive. If you don’t drive a car at the moment and never plan to drive a car in the future, there is no need to have car insurance.
You don’t own a registered vehicle. If you do not own a registered vehicle, you have no need to get car insurance. Driving an unregistered vehicle and driving without insurance are both illegal, though.
If you own a registered vehicle, you need to have car insurance in Rhode Island. Car insurance in Rhode Island costs an average of $2,193 per year for minimum coverage, which is more expensive than the national average. By comparing quotes from several different companies and taking advantage of every discount available, you can save a lot on your premium each month.
To learn more, check out WalletHub’s guide to lowering car insurance costs along with our picks for the cheapest car insurance companies in Rhode Island.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines
. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.