Skip the auto shop - Our mechanics make house calls

Insurance Requirements for Car Registration in Rhode Island

Insurance Requirements for Car Registration in Rhode Island

All drivers in the state of Rhode Island are required to carry liability insurance, or “financial responsibility,” on their vehicles in order to operate a vehicle legally and maintain vehicle registration.

The minimum financial responsibility requirements for Rhode Island drivers are as follow:

  • A minimum of $25,000 per person, for bodily injury or death. This means you’ll need to carry a minimum of $50,000 to cover the lowest possible number of people involved in an accident (the two drivers).

  • A minimum $25,000 for property damage liability

This means that the total minimum amount of financial responsibility you will need is $75,000 to cover bodily injury or death and property damage liability.

Additionally, all insurance providers are required to offer Uninsured Motorist Coverage in their minimum insurance policies that is equal to the total amount of financial responsibility listed above ($75,000). Rhode Island residents can refuse this coverage.

Proof of insurance

In order to register your vehicle with the Rhode Island Division of Motor Vehicles, or to apply for or renew your driver’s license you must sign a form verifying that you have valid car insurance, and that you will carry proof with you at all times when driving.

You must keep a proof of insurance document in your vehicle when driving because you are required to show it during a traffic stop or at the scene of an accident.

Additionally, Rhode Island maintains an insurance verification system that monitors the insurance status of all registered vehicles. All insurance providers are required to report changes to your insurance policy through this electronic monitoring system, so that your insurance can be verified at any time. This system send random verification requests to Rhode Island vehicle owners. You must respond to the request within 20 days with proof of insurance.

Violation penalties

If you do not carry the legally required financial responsibility in Rhode Island, fail to present proof of insurance when required, or when your insurance cannot be electronically verified, you could face several penalties. These include:

  • A fine of $500 to $5,000

  • A conviction of a misdemeanor offense, which can result in up to one year of jail time.

  • Suspension of your vehicle registration and license plate for three months for the first offense.

  • Suspension of your vehicle registration and license plate for six months for the second offense.

  • Suspension of your vehicle registration and license plate for up to one year for subsequent offenses.

  • Required filing of an SR-22 Proof of Financial Responsibility document, which guarantees that you carry the legally required insurance for one year. This document is usually only required of drivers who have been convicted of a DUI or other reckless driving charge, or for those that have been convicted of felonies involving motor vehicles.

For more information, or to renew your registration online, contact the Rhode Island Division of Motor Vehicles of the Department of Revenue through their website.

The statements expressed above are only for informational purposes and should be independently verified. Please see our terms of service for more details
Icon-warranty_badge-02

Skip the repair shop, our top-rated mechanics come to you.

At your home or office

Choose from 600+ repair, maintenance & diagnostic services. Our top-rated mechanics bring all parts & tools to your location.

Fair & transparent pricing

See labor & parts costs upfront, so you can book with confidence.

12-month, 12,000-mile warranty

Our services are backed by a 12-month, 12,000-mile warranty for your peace of mind.

Get A Quote

Need Help With Your Car?

Our certified mobile mechanics make house calls in over 2,000 U.S. cities. Fast, free online quotes for your car repair.

GET A QUOTE

More related articles

How Long Does a Vacuum Brake Booster Check Valve Last?
The braking system on your car requires a lot of pressure. The vacuum booster is one of the main sources of this pressure. This booster will take the pressure that...
How Long Does a Throttle Return Spring Last?
Not all vehicles on the road feature an electronic throttle control (ETC), which is also called drive-by-wire. For vehicles that don't offer this system, they have a throttle cable instead that...
P0121 OBD-II Trouble Code: TPS "A" Circuit Range Performance Problem
P0121 code definition Throttle Pedal Position Sensor/Switch (TPS) A Circuit Range Performance Problem What the P0121 code means P0121 is a generic OBD-II code which indicates that the Engine Control...


Related questions

Q: Is it Legal to Drive With a Damaged or Missing Mirror?

According to the California Vehicle Code, Section 26709, every motor vehicle that is subject to registration in the state of California, except motorcycles, must have two mirrors that reflect to the driver a view of the highway for a distance...

Q: A lot of damage, shops are backed up, mostly wondering if I'm possibly looking at a totaled vehicle.

You will likely need to get at least 3 different estimates on the vehicle to have a good idea of the costs. This way you can go to the insurance company with a fair estimate of the cost to repair...

Q: My 2003 Subaru WRX crashed and my insurance is giving me two options.

I would recommend taking the $6000 and getting another car with the money. The body damage is only an estimate of the damages the body shop can see and estimate. There is always hidden damage the body shop cannot see...