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Rhode Island Car Insurance

Drivers in the state of Rhode Island don’t have to climb to the top of a lighthouse to find great insurance rates. At Good2Go Insurance, Inc. we help drivers get on the road for less by offering cheap rates on car insurance.

Drivers who fail to provide proper car insurance may receive fines, and a suspension of their driver’s license.


Rhode Island Penalties for Driving Without Car Insurance

In the state of Rhode Island, it is illegal to drive any motor vehicle without proof of insurance or financial responsibility. The driver must maintain proof of continuous insurance throughout the registration period. The penalties for driving without car insurance in Rhode Island include fines of up to $500 and suspension of license/registration for up to 3 months for the first offense and fines up to $1,000 and suspension of license/registration for up to 12 months for subsequent offenses.


What is Considered Full Coverage Auto Insurance in Rhode Island?

According to the Rhode Island Division of Motor Vehicles, Rhode Island’s car insurance laws require all drivers to present proof of liability insurance when they register their vehicle. Rhode Island vehicle owners with cars registered in their name must be able to certify that they have insurance and that it meets state minimum requirements for:

  • $25,000 for bodily injury to or death of one individual in any one accident
  • $50,000 for bodily injury to or death of two or more individuals in any one accident
  • $25,000 for injury to the property of others in any one accident


Rhode Island DUI/DWI Laws and Penalties

Rhode Island DUI laws state that drivers with a Blood Alcohol Concentration (BAC) of 0.08 or more are considered to be driving under the influence. Rhode Island DUI laws also prohibit driving under the influence of controlled substances such as marijuana, cocaine or inhalants. Penalties for DUIs in Rhode Island include jail time of up to a year, fines of up to $500 and license suspension of up to 18 months for a first offense, and jail of up to 5 years, fines up to $5,000 and over 2 years of license suspension for multiple offenses.


Rhode Island Cell Phone Driving Laws and Texting While Driving Laws

The state of Rhode Island currently does not have a full ban on cell phone use for all drivers. However, novice drivers under the age of 18 are prohibited from using a cell phone in any manner (talking, texting, playing games, etc.) while driving. Rhode Island also has a texting while driving ban for all drivers. It is a minor misdemeanor and violators could face a fine up to $125.


Rhode Island SR-22 Insurance Documents

Rhode Island SR-22 insurance documents are required for drivers who have been convicted of driving without auto insurance. An SR-22 form may need to be filed for three years with the DMV, showing proof of financial responsibility. This filing is usually required after the suspension of your driving privileges has been lifted. Your insurer can electronically file SR-22 insurance documents to the state of Rhode Island for drivers that are required to keep and show valid auto liability insurance.

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