Rhode Island Car Insurance – Auto Insurance Quotes in RI
While Rhode Island is one of the smallest states, it is home to a lot of traffic, especially with many residents commuting to New York City. In recognition of this, the state has its own specific laws and regulations for car insurance. MyCarInsuranceRates.com is aware of those laws and can help drivers discover the best auto insurance policy for their needs. At the same time, we can help policyholders get the lowest rates possible while still maintaining the best coverage and plan.
Rhode Island Car Insurance Requirements
Rhode Island is one of a number of states that uses the Tort system for its car insurance requirements. In other words, when there is an accident, one of the parties involved will be considered at fault, and will thus be responsible for paying off any damages. Because of this, Rhode Island requires its drivers to have a minimum of $50,000 worth of liability insurance, in addition to policies that will cover uninsured motorists. Car insurance companies in Rhode Island must thus offer all of these insurance plans, MyCarInsuranceRates.com can ensure that you find the most affordable rates.
Understanding Rhode Island Car Insurance Liabilities & Coverage
Drivers in the state of Rhode Island are mandated by the state to maintain 25/50/25 basic insurance coverage, along with 25/50 coverage for UM limits. Thus, an individual in an accident will be covered for a minimum $25,000 per passenger for bodily injuries, a total of $50,000 or more per accident, including medical expenses, and a state mandated minimum of $25,000 to cover public and private property damage. The uninsured/underinsured liability insurance required is a minimum $25,000 for an individual and $50,000 per accident, for any bodily injuries. With that much insurance required, the cost can easily get quite expensive.
Rhode Island Insurance Coverage
- Bodily Injury Liability: $25,000/$50,000 Limit
- Property Damage Liability: $25,000 Limit
- Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000 Limit
Rhode Island residents can, however, enter their zip code and allow MyCarInsuranceRates.com to find and compare the best rates on car insurance through a number of providers in the state.
Rhode Island Car Insurance Laws & Regulations
Driving without proof of insurance in Rhode Island can result in a citation, or in the suspension of the driver’s license until he or she can show proof of insurance. Failure to do so can also lead to the revocation of a vehicle’s registration. Similar penalties and stiff fines are risked when a driver does not have adequate insurance at all. He or she can pay a minimum of $500, in addition to having to file proof of financial responsibility for several years afterward. Rather than letting insurance lapse or going without it entirely, MyCarInsuranceRates.com can quickly and easily point drivers in the direction of the cheapest rates.
Average Rhode Island Car Insurance Rates
Annually, Rhode Island’s drivers paid an average total of $2,278, significantly higher than the natural average of $1,538. Many drivers mistakenly believe that their car insurance rates cannot get cheaper, and thus never bother to comparison shop for new car insurance rates. However, MyCarInsuranceRates.com can provide access to the best, cheap car insurance quotes online.
Rhode Island Car Insurance Quotes
Over the past year, auto insurance rates in Rhode Island have not changed much at all, although 2008 and 2009 resulted in 7 percent increases. Unfortunately, many drivers assume they cannot get a lower rate and are not eager to try comparison shopping on their own.
MyCarInsuranceRates.com can do that for you when you enter your zip code to get car insurance quote, making it possible to compare different car insurance policies and quotes from multiple top ranking car insurance companies, such as Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers Insurance, AAA, AARP and Esurance. Start a car insurance quote now and find cheap Rhode Island car insurance.
