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Penalties for driving without car insurance in Rhode Island

  • Auto Insurance
  • Renee Martin
  • 3 minutes

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Did you know that it is illegal to drive a car without auto insurance in Rhode Island? Let’s take a look at the various penalties you may attract for failing to provide proof of insurance.

Like most states, Rhode Island mandates that every car owner and driver maintain a minimum level of car insurance. This is also called liability insurance and allows you to drive legally in the state. You could face repercussions if you don’t have auto insurance, such as heft fines and restricted driving rights.¬†
¬†Whether you live in Rhode Island or are considering relocating to Ocean State, you must be aware of the state’s vehicle insurance requirements. You must protect yourself financially and legally. So let’s take a look at the minimum car insurance requirements in Rhode Island.
 Minimum car insurance in Rhode Island
In Rhode Island, drivers must have a minimum of 25/50/25 personal liability insurance. This includes bodily injury liability and property damage liability coverage. If you cause a collision, your liability coverage will pay for the other driver’s medical expenses up to your policy limits. Your property damage liability coverage will pay for their vehicle repairs up to your policy limits.
 The following is a list of required coverage amounts:
  • ¬†$25,000 for bodily injury per person
  • ¬†$50,000 for bodily injury per accident
  • ¬†$25,000 in property damage coverage per accident.
When you purchase a minimum coverage policy in Rhode Island, you will be granted uninsured/underinsured motorist coverage. You may, however, decline this coverage. I.e., as long as you meet the other state-mandated minimum insurance coverage requirements.
 Penalties for driving without car insurance in Rhode Island
Driving without auto insurance in Rhode Island is unlawful, and if you are caught, you will face serious consequences. Drivers can expect to be fined between $100 and $500 for a first offense‚ÄĒthe fine increases to a minimum of $500 for two or more infractions. You will also lose your driving privileges and may be required to pay a fee to have your license reinstated. Fortunately, you don’t have to file an SR-22 insurance certificate nor face jail time for Rhode Island car insurance infractions.¬†

Why should you have car insurance in Rhode Island?

Driving without insurance is a significant risk. Also, if you cause an accident will almost certainly cost you a lot of money in repairs and medical bills.
In fact, you’ll be entirely responsible for compensating the other motorist for their medical expenses and vehicle repairs if you collide with another person’s vehicle and do not have insurance. You could also face a lawsuit, putting you on the hook for legal bills.
Further, there are repercussions for not having insurance even if you are hit by another car. To begin with, there’s no assurance that the other driver’s insurance will cover the full extent of your losses. So you may have to pay out of your pocket for the repairs. You must mention that you do not have insurance when filing the claim, which means you may be liable to state-mandated fines for being uninsured.

car insurance quotes Rhode Island

Don’t have valid car insurance in Rhode Island? Or, are you looking for more affordable car insurance quotes in the Ocean State? Click on the banner above to obtain free quotes from several insurance providers in under 10 minutes with the way.com car insurance tool.

Check out our blogs for info on finding top-rated airport parking, the best parking spots in your city, and affordable car washes near you.


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