Though its small size can be deceiving, Rhode Island still offers plenty of roadway hazards to its motorists. Every day, thousands of people travel from Boston to New York and back again, keeping a steady flow of traffic on I-95. Therefore, it is very important that Rhode Island drivers maintain adequate insurance coverage for their vehicles. CarInsuranceQuotes.com is dedicated to helping Rhode Island motorists find the cheapest online quotes for insurance policies from well known companies they can know they can trust.
Rhode Island Minimum Car Insurance Requirements
Because of the daily increase in motorists on its roadways and in-turn, the increased chance of its residents being involved in a collision, Rhode Island’s minimum car insurance requirements are higher than many other states. The minimum liability coverage is currently set at 25/50/25 for bodily injury and property damage protection.
- Bodily Injury Liability- Bodily injury liability covers the medical expenses of the driver and passengers of the other vehicle. Under the minimum required coverage, the insurance company will cover a maximum of $25,000 for a single person and a maximum of $50,000 for multiple persons for a single incident.
- Property Damage Liability- Property damage liability covers repairs to public and private property such as homes and guard rails as well as the other party’s vehicle. Minimum coverage will allow for a maximum payout of $25,000 per incident.
The high cost of medical expenses and repairs increases every year. Therefore, it is advisable that Rhode Islanders purchase better-than-minimum coverage for their vehicles. The state of Rhode Island also recommends that its motorists obtain Comprehensive and Collision coverage to help pay for damages to their vehicle if they are found to be responsible for the accident or if their vehicle is damaged by acts of nature such as hail or wildlife.
Uninsured/Underinsured motorist protection is also required by the state of Rhode Island because of the close proximity to states such as Massachusetts and Connecticut, where the minimum liability coverage does not meet Rhode Island standards. UM protection will help cover damages to your vehicle if the other motorist does not have adequate insurance protection or the vehicle is damaged by a hit and run.
Though the state of Rhode Island saw one of the largest average drops in the cost of car insurance premiums, down 7.5% from $2553 in 2006 to $2375 in 2007, Rhode Islanders still pay some of the highest car insurance premiums in the country. CarInsuranceQuotes.com is dedicated to helping Rhode Island motorists pay the lowest price possible for their car insurance policies. CarInsuranceQuotes.com searches our partner companies for the lowest quotes for every one of our customers, allowing them to choose the best insurance policy for their vehicles. And finding low-cost quotes has never been easier. After entering their Zip code, our customers will be asked a few general questions about their driving record. Then CarInsuranceQuotes.com searches our partner companies for the lowest available Rhode Island car insurance rates. It’s just that easy!