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rhode island car insurance that’s right for you, not someone sorta like you

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 design each of our Rhode Island car insurance policies to save you time, money, and hassle. 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 could benefit from our hassle-free service, innovative online tools, and hands-on approach to car insurance. So why wait? Start your personalized quote today.

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
  • Mature Driver discount
  • Homeowners discount
  • Paid-in-Full discount
  • Fast 5® 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 basic liability with at least the following limits:

  • $25,000 of bodily injury liability per person
  • $50,000 of bodily injury liability per incident
  • $25,000 of property damage liability 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 bodily injury liability (25/50). Uninsured motorist property damage coverage is also automatically included on your policy with the same limits as your property damage coverage ($25,000 per incident).

These coverages offer financial protection from at-fault drivers who lack sufficient liability insurance 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 protections can give you extra peace of mind if you ever need to file a claim:

  • Comprehensive
  • Collision
  • Medical payments
  • Towing and labor
  • CarMatch Rental Coverage®
  • Auto loan/lease (or "gap")
  • Customized parts and equipment

insurance info for drivers

Uninsured drivers in Rhode Island

The Insurance Research Council estimated that 17 percent of Rhode Island's drivers were uninsured back in 2012. That was well above the national average of 12.6 percent.

Guidelines on digital proof of insurance in Rhode Island

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 (that's where our mobile app comes in handy) on your phone or other smart device instead of frantically digging through a pile of paperwork.

factors that could impact your auto insurance rates

Rhode Island residents could have the following factors 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
  • Discounts you may qualify for
  • Insurance history, including any lapses

The coverages, limits, and deductibles you choose affect what you pay for auto insurance in the Ocean State. To help you prioritize coverage options so you can choose what makes sense for your life, let our intuitive system, CoverageMyWay™, only from Esurance, go to work for you. It remembers everything you tell it during your online quote so it can help you make smarter choices.

state patterns that could impact insurance rates

According to data compiled by Bankrate, motorists in Rhode Island spend an average of $1,142 per year on auto insurance alone, on top of some of the highest taxes and fees of any other state.

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 1,017 residents per square mile, which means a lot of drivers pack a relatively small area. More drivers can lead to more car accidents.

Seat belt use

According to National Highway Traffic Safety Administration data from 2013, 85.6 percent of vehicle occupants wear seat belts in Rhode Island. That was slightly lower than the nationwide average of 87 percent, but that's still a lot of drivers not taking the proper safety precautions when getting behind the wheel.

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.

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