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rhode island car insurance

Given your state's revolutionary history, we know Rhode Island residents aren't exactly satisfied with the status quo (to put it mildly). That's precisely why we custom design every one of our Rhode Island car insurance policies with your unique needs in mind. After all, a revolutionary state deserves some pretty revolutionary car insurance to boot.

Whether you live in Providence, Newport, or somewhere in between, we're confident all residents of the Ocean State can benefit from our hassle-free service, innovative online tools, and hands-on approach to car insurance.

So why wait? Start your free quote today and discover how Esurance is built to save you time, money, (and, heck, maybe even a revolt or two).

car insurance discounts in rhode island

Great news, Rhode Island residents: Esurance and discounts go way back, and we're happy to offer a whole bunch of them. See if you qualify for these money-savers on your auto insurance policy when you get a quote:

  • Switch & Save® discount
  • Claim-Free discount
  • DriveSense™ discount
  • Anti-Theft discount
  • Good Student discount
  • Multi-Car discount
  • Defensive Driver discount
  • Homeowners discount
  • Paid-in-Full discount

Discounts are subject to eligibility. If you're a current Esurance policyholder, give us a call at 1-800-ESURANCE (1-800-378-7262) if you have questions about your discounts.

car insurance coverages in rhode island

Required coverages

Rhode Island drivers are required to carry liability coverage with at least the following limits:

  • $25,000 bodily injury coverage per person
  • $50,000 bodily injury coverage per incident
  • $25,000 of property damage coverage per incident

These required insurance limits are often written as 25/50/25. If you prefer, you may be able to purchase your liability policy as a combined single limit of $75,000 per incident.

Rhode Island automatically includes uninsured/underinsured motorist bodily injury coverage with the same limits as your liability bodily injury coverage (25/50). Uninsured motorist property damage coverage is also automatically included on your policy with the same limits as your liability property damage coverage ($25,000 per incident).

These coverages offer financial protection from at-fault drivers who lack sufficient liability coverage of their own to pay for your accident-related expenses. You can decline these coverages in writing (through your insurer) if you prefer to leave them off your policy.

optional coverages

In addition to the legally required limits in Rhode Island, these additional coverages can give you extra peace of mind and financial protection:

  • Comprehensive coverage
  • Collision coverage
  • Medical payment coverage
  • Towing and labor coverage
  • CarMatch Rental Coverage®
  • Auto loan/lease (often called "gap") coverage
  • Customized parts and equipment coverage

insurance info for drivers

uninsured drivers in rhode island

The Insurance Research Council estimates that 18 percent of Rhode Island's drivers were uninsured back in '09. That was well above the national average of 13.8 percent, and it put Rhode Island in the top 10 in terms of states with the most uninsured drivers at the time of the 2011 report.

Documents establishing proof of insurance

If you're ever pulled over by Rhode Island police, your insurance ID card can prove you carry the required amount of car insurance. Store it in your glove box, just in case.

And now Little Rhody residents are in luck: state law allows motorists to use digital proof of insurance — meaning if you get pulled over, you can pull up your auto insurance ID cards on your phone or other smart device instead of frantically digging through a pile of paperwork.

Plus, Esurance customers in the Ocean State can download our easy-to-use mobile app for free, access proof of insurance and other policy documents 24/7, and even save ID cards to their phones so they're available offline, too.

factors that can impact auto insurance rates

Rhode Island residents can expect the following factors to be taken into consideration when insurers determine their car insurance rates:

  • Driving record and claim history
  • Age, gender, and marital status
  • Year, make, and model of your car
  • How you drive it (commuting, Sunday drives through the countryside, etc.)
  • ZIP Code where your car is parked or garaged
  • Insurance score based on credit and other factors
  • The coverages, limits, and deductibles you choose
  • Discounts you qualify for
  • Prior insurance history, including any lapses

state patterns that could impact insurance rates

According to 2010 data from Bankrate's Car Cost Index, motorists in Rhode Island spend an average of $999 per year on auto insurance alone, on top of some of the highest taxes and fees of any other state. In addition to a few other factors, that means vehicle ownership in the Ocean State is the 4th most expensive in the country, overall.

And although Esurance offers as many discounts as we can squeeze into your state's borders, there are still some trends in your state that impact your car insurance premiums.

Population density

Rhode Island is the second-most densely populated state in the country (not surprising, given it's also the smallest). There are 1,018 residents per square mile, which means a lot of drivers pack a relatively small area. More drivers can lead to more car accidents.

Lack of seat belt use

According to National Highway Traffic Safety Administration data from 2012, 77.5 percent of vehicle occupants wear seat belts in Rhode Island. That is significantly lower than the nationwide average of 86 percent.

Wearing seat belts can, of course, protect you from injuries in an accident (and help you avoid those injury-related claims in the first place).

Related links

Emergency road kit essentials
Find out what your in-case-of-emergency kit should contain on the road.

Rhode Island's consumer guide to car insurance (PDF)
An official overview for car insurance shoppers.

Wonder if you could be saving on car insurance?

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or call 1-800-378-7262