Auto Insurance in Rhode Island

On average, what can I expect to pay for auto insurance in Rhode Island?

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The average cost of auto insurance in Rhode Island has just risen by 1% after the figures for the first quarter of 2010 were revealed. A standard policy now costs an average of $2,291 although premiums will inevitably be higher for motorists in high-risk categories.

If I’m involved in an accident and I’m not at fault, who will be liable?

Rhode Island operates using the Tort system where the driver found to be at fault in a rod traffic accident is financially liable. Any subsequent claims should be made against the insurance company of the responsible party.

Am I legally obliged to carry auto insurance?

Yes. You must be legally covered before using a vehicle as you will be liable for any costs incurred should you be proved to be at fault in an accident.

What levels of auto insurance will I be legally obliged to purchase?

You must carry $25,000 worth of bodily injury liability per person and $50,000 of bodily injury liability per accident. This is in addition to $25,000 of property damage coverage.

Are there any other insurance requirements I need to know about?

Yes. It is mandatory to purchase protection against uninsured and underinsured motorists. The current levels set for this are $25,000 per person and $50,000 per accident.

Isn’t this going to make my insurance policy expensive?

Unfortunately, auto insurance in Rhode Island is amongst the most expensive in the country. However, it is always advisable to shop online for policies and to compare different premiums before committing to a purchase.

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