You can check your overall driving record in Rhode Island by going to the Division of Motor Vehicles website. You will not be able to check how many points are on your license in Rhode Island, however, because Rhode Island does not use driver’s license points.
Even though Rhode Island does not use license points, drivers with serious violations on their driving record will still face consequences. For instance, a DUI conviction or a lapse in insurance will result in a license suspension in Rhode Island. Insurance companies also increase prices for drivers with poor driving records. For reference, one DUI conviction will raise your premium by an average of 141% in Rhode Island.
In Rhode Island, drivers need $25,000 of bodily injury liability insurance per person, up to $50,000 per accident, and $25,000 of property damage liability insurance. Rhode Island does not require uninsured motorist protection, which replaces the liability coverage an at-fault driver should’ve had and pays for your costs up to your policy limits. Coverage like MedPay or personal injury protection pays for medical expenses for you and your passengers, and MedPay is optional in Rhode Island. PIP is not available.… read full answer
Here’s How Much Car Insurance Drivers Need in Rhode Island:
If you lease or finance your car, you may be required to carry coverage types that are not mandatory under Rhode Island law. Lenders usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance. You might also have to get gap insurance, which covers the difference between what you owe on your loan and what the vehicle is worth at the time of a total loss.
Two points will increase a driver’s insurance costs by roughly 20% to 100%, depending on the state, insurance company and type of violation. Two points are assigned for relatively minor traffic violations, like driving at night with no headlights or making an illegal U-turn. Two points might even be the minimum number of points you can get, depending on where you live. Some states assign points by a factor of two, skipping odd numbers in their points system. The specific cost increase will vary depending on the driver’s insurance company and home state – insurance companies don’t count license points specifically, so a driver can’t be sure how much their insurance company will charge them for the violation.… read full answer
Instead, license points are tracked by your state’s department of motor vehicles in 41 of the 50 states. You get points for different traffic violations, such as speeding and driving under the influence. The other nine states (Hawaii, Kansas, Louisiana, Minnesota, Mississippi, Oregon, Rhode Island, Washington, and Wyoming) keep track of the number of traffic violations you have and suspend your license if you have too many.
The long-term effects of 2 points on your license
Your insurance company doesn’t track your state license points, but they definitely care about the traffic violations that earn you those points. So your license points and your insurance costs are related. In fact, insurance companies have their own points systems for policy pricing, which take into account serious traffic violations, claims history, and more. Any additional violation or claim can further raise your insurance rates by up to 50% or more, on top of your already increased rate.
However, your state’s tracking system has far greater consequences than your insurance company’s. If your company penalizes you for a violation, the worst thing that will happen is you pay a lot of money for car insurance. If you earn too many license points, you can expect to lose your license completely.
Additional points on your record increase the odds that your next violation will result in license suspension, by bringing you closer to exceeding your state’s point limit. Two points will stay on your license anywhere from one to six years, depending on state laws – three to five years is typical.
If you have two points on your license, be extra careful in the future to avoid another violation. In some states, a defensive driving course can get two points (or more) wiped off your record, but not all states have a point reduction program. And you’re limited in how often you can use the driving course to remove points – it’s normal to have to wait at least one year before you can get more points removed. That means it’s still important to pay your ticket(s) on time and do your best to abide by all traffic laws. Doing so will increase your chance of avoiding more state or insurance penalties.
Car insurance in Rhode Island costs $74 per month, on average, or $887 per year. The average cost of car insurance in Rhode Island is 23% higher than the national average auto insurance premium, and Rhode Island ranks 39 out of 50 for the most affordable car insurance rates in the U.S.… read full answer
Average Cost of Car Insurance in Rhode Island by Category
Clean driving record: $957 per year
After an at-fault accident: $1,308 per year
Driver with poor credit: $1,673 per year
Teen driver: $4,910 per year
After a DUI: $2,369 per year
There are several factors that affect how much you’ll pay for car insurance in Rhode Island, including your driving record, age, location, the amount of coverage that you purchase, and the insurance company you buy it from. On average, the cheapest insurance companies in Rhode Island are State Farm, USAA, and Geico. But every insurer has their own way of calculating premiums, so it’s a good idea to get quotes from at least three different companies to make sure you find the best deal.
Finally, it’s worth noting that car insurance premiums in Rhode Island are average, compared to the cost of coverage in neighboring states like Connecticut and Massachusetts. You can find more details in the table below.
Cost of Car Insurance in Rhode Island vs. Neighboring States
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