Rhode Island Auto Insurance Quotes

Rhode Island is covered in oceanfront beaches and well-traveled inlets that are a treat for drivers and tourists from any state. With so much seasonally intermittent traffic and major highways running through the state, cheap Rhode Island auto insurance quotes are competitively priced and readily available to help you get your show on the “Rhode.”

RI Minimums

Liability insurance is required for each registered vehicle. A minimum of $25,000 in bodily injury coverage must be maintained for one person’s injuries, and a minimum of $50,000 must be maintained for all injuries that occur in a single accident. Property damage coverage must meet a minimum of $25,000, and personal injury protection and uninsured motorist coverages are not required, though they can save you some expense in case of an unforeseeable accident.

RI Tort System

The tort system in place in Rhode Island and most other states assigns repayment responsibility to the driver who caused the accident. This at fault driver can additionally be sued in a civil court, usually in the victims’ attempts to recoup damages that were not completely covered`by the liability premiums, or additional damages such as lost wages.

Penalties in RI

Because the smallest US state doesn’t have accompanying small penalties for uninsured driving, it’s easier to just stay legal. Not providing proof of insurance within 10 days of being pulled over for traffic violations will result in $500 fines and 90-day license suspensions. This is not as bad as some states, but the time and money it costs in the short term and later on make finding low Rhode Island auto insurance quotes online a more frugal alternative.