Rhode Island
Auto Insurance Coverages
How do you choose the auto insurance that's right for you when there are so many companies offering auto insurance in Rhode Island? Finding auto insurance that fits your lifestyle can be daunting, but you local Allstate agent will take the time to help you make the right choices as your auto insurance needs change. Allstate offers a wide variety of auto insurance policies, optional insurance coverages and other products available in Rhode Island. If you have a teen driver in RI, you must consider Rhode Island's Graduated Driver Licensing laws (see chart below).
For more information on this state, visit the Rhode Island State Information or Rhode Island State Catastrophe page.
Rhode Island Coverage Scale
As you consider what auto insurance coverages are right for you, keep in mind that Rhode Island has required minimum coverage levels. Only you can decide what auto insurance coverages are right for you, but refer to the chart below for more information about Rhode Island-required coverage levels and the most common car insurance coverages.
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Coverage
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State Requirements
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Most Common
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Bodily Injury Liability
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25,000/50,000
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100,000/300,000
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Property Damage Liability
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25,000
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50,000
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Uninsured Motorist Bodily Injury
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Required
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100,000/300,000
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Medical Payments
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Not required
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5,000
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Collision
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Not required
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500 deductible
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Comprehensive
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Not required
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250 deductible
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Rhode Island Graduated Driver Licensing
Graduated Driver Licensing laws have been proven to save teen lives. Review the Rhode Island GDL laws with your teen. Use this information to set rules for your teen driver and help protect them on the road.
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Insurance Institute for Highway Safety Rating
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Good
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Minimum Entry Age
(Optimal: 16)
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16, Has optimal provision
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Extended Learner Period
(Optimal: at least 6 months)
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Has optimal provision
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Parent Certification
(Optimal: 30 hours minimal)
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Has optimal provision
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Night Restriction
(Optimal: 9 or 10 p.m.)
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Has the provision
but it is not optimal
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Passenger Restriction
(Optimal: only 1 non-family member)
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Has optimal provision
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Minimum Exit Age
(Optimal: 18)
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17 years, 6 mo.
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For more information on talking to your teen driver about safe driving, download the Parent-Teen Driving agreement (PDF format). Help protect your teen by taking time to learn more about teen driving research, facts, tips, driving laws, and programs.
Click here to get an auto insurance quote. Or, you can call 1-866-621-6900 to quote over the phone.
Click on the state listed below to learn more about teen driving rules and insurance coverages in that state.
Connecticut, Florida, Illinois, New York, Pennsylvania
Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles selected by Allstate Insurance Company policyholders in Rhode Island. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimum.