Rhode Island SR-22 & High-Risk Auto Insurance
Rhode Island requires 25/50/25 liability coverage and is an at-fault state.
Free to compare
Rhode Island at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
No
A defensive driving course does not remove points here
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Rhode Island
Drivers with DUI convictions, major violations, at-fault accidents while uninsured, or license suspensions typically must file SR-22 proof of financial responsibility with the Rhode Island Division of Motor Vehicles. These minimums leave substantial financial exposure for high-risk drivers facing rate increases—one at-fault accident exceeding policy limits creates personal liability for the difference.
Liability Insurance
SR-22 Insurance
Uninsured Motorist Coverage
Full Coverage
Non-Standard Auto Insurance
What Drivers Pay in Rhode Island
$362–$365/mo
Typical monthly rate in Rhode Island, drivers after a speeding ticket
Rate data: ValuePenguin and CarInsurance.com, 2026
Put Your Record Up Against Every Rate
Compare Rates for Your Driving RecordCoverage Types
Liability Insurance
Covers bodily injury and property damage you cause to others in an at-fault accident. Rhode Island requires 25/50/25, but serious accidents commonly exceed these limits—one hospitalization can cost $100,000+.
SR-22 Insurance
Certificate filed by your insurer with the Rhode Island DMV proving continuous coverage after DUI, suspension, or uninsured accident. Required for 3 years; any lapse restarts the clock and suspends your license.
Non-Standard Auto Insurance
Coverage from carriers specializing in high-risk drivers with multiple violations, DUIs, or lapses. Costs 40–150% more than standard market but accepts profiles other insurers decline.
Uninsured Motorist Coverage
Mandatory in Rhode Island at 25/50 minimum, matching your liability limits. Covers your medical bills and vehicle damage when an at-fault driver has no insurance or insufficient limits.
Full Coverage
Liability plus comprehensive and collision coverage for your own vehicle. Lenders require full coverage on financed cars; collision covers your vehicle in at-fault accidents regardless of who's responsible.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, weather, fire, and animal strikes. Required by lenders and essential for high-risk drivers who cannot afford to replace a totaled vehicle out of pocket.