Rhode Island
- ~$45–$60
- ~$120–$150
- $25K/$50K/$25K
Rhode Island, the smallest state by area, features moderate car insurance rates shaped by its dense urban population and coastal weather patterns. The state employs a fault-based liability insurance system with mandatory minimum coverage.
Find a local Auto Insurance agents in your town:
Rhode Island Auto Insurance Facts *
Drivers
- ~560,000–580,000 licensed drivers as of 2023.
- ~88% household vehicle ownership.
- Common vehicle types include compact cars and SUVs.
- Uninsured motorist rate around 10%.
- Public transit available but limited outside Providence.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~6,800 | ~2,000 | 45 |
| 2019 | ~7,100 | ~2,100 | 50 |
| 2020 | ~6,000 | ~1,800 | 40 |
| 2021 | ~6,400 | ~1,900 | 42 |
| 2022 | ~6,600 | ~2,000 | 48 |
Laws & Regulations
- Fault-based liability system.
- Proof of insurance required at registration.
