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.
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.
