Rhode Island Insurance: 10 Things You Need to Know

1. Rhode Island has the 10th-highest auto insurance rates in the US.

According to the National Association of Insurance Commissioners (NAIC), the average annual cost of auto insurance in Rhode Island is $1,393. This is higher than the national average of $1,175.

2. Rhode Island drivers are required to carry a minimum of $25,000 in bodily injury liability coverage per person and $50,000 in bodily injury liability coverage per accident.

Uninsured/underinsured motorist coverage is also required, with minimum limits of $25,000/$50,000.

3. Rhode Island has a mandatory personal injury protection (PIP) law.

PIP coverage pays for medical expenses and lost wages for injuries sustained in a car accident, regardless of who is at fault. The minimum PIP coverage limit in Rhode Island is $2,500.

4. Rhode Island has a "no-fault" insurance system.

In a no-fault system, drivers are responsible for paying their own medical expenses and lost wages, regardless of who is at fault for the accident. However, drivers can still sue for pain and suffering if they sustain serious injuries.

5. Rhode Island has a high rate of uninsured drivers.

According to the Rhode Island Department of Motor Vehicles (DMV), approximately 12% of Rhode Island drivers are uninsured. This is higher than the national average of 9%.

6. Rhode Island has a number of insurance companies that offer coverage to drivers.

Some of the largest insurance companies in Rhode Island include:

• Allstate
• Amica Mutual
• Berkshire Hathaway GUARD
• Farmers Insurance
• Geico
• Liberty Mutual
• Progressive
• State Farm
• Travelers
• USAA

7. Rhode Island drivers can compare insurance quotes from multiple companies to find the best rate.

There are a number of websites that allow drivers to compare insurance quotes from multiple companies. This can help drivers save money on their insurance premiums.

8. Rhode Island drivers can get discounts on their insurance premiums by:

• Having a good driving record
• Taking defensive driving courses
• Installing anti-theft devices in their vehicles
• Bundling their insurance policies
• Paying their premiums in full

9. Rhode Island drivers who are involved in an accident should contact their insurance company as soon as possible.

The insurance company will investigate the accident and determine who is at fault. The insurance company will also pay for the damages to the driver's vehicle and any medical expenses incurred as a result of the accident.

10. Rhode Island drivers who have questions about their insurance coverage should contact their insurance company or the Rhode Island Department of Motor Vehicles (DMV).

The DMV can provide drivers with information about insurance laws and regulations in Rhode Island.

Pain Points

Some of the pain points that Rhode Island drivers face with car insurance include:

• High insurance rates
• Mandatory PIP coverage
• No-fault system
• High rate of uninsured drivers

Motivations

Rhode Island drivers are motivated to find affordable car insurance that meets their needs. They are also motivated to avoid getting into accidents and having to deal with the insurance claims process.

Effective Strategies

Some of the effective strategies that Rhode Island drivers can use to get affordable car insurance include:

• Comparing quotes from multiple insurance companies
• Getting discounts on their premiums
• Contacting their insurance company as soon as possible after an accident
• Filing a complaint with the Rhode Island Department of Motor Vehicles (DMV) if they have a problem with their insurance company

Tips and Tricks

Here are some tips and tricks for Rhode Island drivers:

• Shop around for the best insurance rates.
• Take advantage of discounts on your premiums.
• Pay your premiums on time.
• Contact your insurance company as soon as possible after an accident.
• File a complaint with the Rhode Island Department of Motor Vehicles (DMV) if you have a problem with your insurance company.