Insurance in RI

State-specific guides, common questions, and licensed agencies that cover RI.

Rhode Island insurance regulator

Rhode Island Department of Business Regulation, Insurance Division

The state office that licenses insurers and agents and handles consumer complaints. It can look into problems like claim delays or unfair treatment, but it does not act as your lawyer.

File a complaint Look up an agent or company license

Links checked Sep 12, 2026. Sites change — tell us if a link is broken.

Minimum car insurance in Rhode Island

25/50/25

This is the least coverage the law requires. It often isn’t enough to pay for a serious accident, and anything above your limits can come out of your own pocket.

Bodily injury liability, per person: $25,000
Bodily injury liability, per accident: $50,000
Property damage liability: $25,000
Personal injury protection (PIP): Not required
Uninsured motorist coverage: Insurers must offer it; you can reject it in writing

UM must match BI. If you buy only minimum liability, UM can be reduced to zero after signing an advisory notice. UM property damage can be rejected in writing.

Source: R.I. Gen. Laws § 31-47-2 Definitions · R.I. Gen. Laws § 31-47-2(13); § 27-7-2.1 · Reviewed Sep 13, 2026