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General information, not legal advice. Your suspension notice, the court and the state agency decide what applies to you. Fees and rules change; confirm with the agency before you pay.

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Rhode Island Minimum Car Insurance and Penalties for Driving Without It

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The short answer

Rhode Island requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25).

Rhode Island at a glance

Minimum liability$25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25)
Other required coverageNo other coverage is required besides liability. Uninsured motorist bodily injury coverage is included in every policy at your liability limits; you can choose a lower limit in writing (not below $25,000 per person and $50,000 per accident), and only buyers of minimum coverage can reduce it to zero after signing an advisory notice.
First offense for driving uninsuredA first offense brings a mandatory license and registration suspension of up to three months and a fine of $100 to $500. Before reinstatement you must file and keep proof of financial security; Rhode Island no longer uses the SR-22 form.
Repeat offenseA second offense brings a six-month suspension and a $500 fine. A third or later offense brings a suspension of up to one year and a $1,000 fine, as a civil violation.
Fee to restore after a lapseThe law sets a $30 reinstatement fee, which the administrator can raise up to $50.

Penalties depend on the court and your record; your citation or notice decides what applies to you.

FAQ

What is the minimum car insurance in Rhode Island?

Rhode Island requires liability insurance of at least $25,000 per person and $50,000 per accident for injuries, and $25,000 for property damage (25/50/25).

What happens if you drive without insurance in Rhode Island?

A first offense brings a mandatory license and registration suspension of up to three months and a fine of $100 to $500. Before reinstatement you must file and keep proof of financial security; Rhode Island no longer uses the SR-22 form.

Related

Sources

  1. dmv.ri.gov/gu-1338-faqs
  2. webserver.rilegislature.gov/31-47-2.HTM
  3. webserver.rilegislature.gov/31-32-4.HTM
  4. webserver.rilegislature.gov/31-32-36.HTM
  5. webserver.rilegislature.gov/31-11-10.htm
  6. rules.sos.ri.gov/280-30-10-2
  7. dmv.ri.gov/adjudication-fees
  8. webserver.rilegislature.gov/31-47-2.htm
  9. webserver.rilegislature.gov/INDEX.htm
  10. webserver.rilegislature.gov/31-47-5.htm
  11. webserver.rilegislature.gov/31-47-9.htm
  12. webserver.rilegislature.gov/31-47-11.htm
  13. webserver.rilegislature.gov/31-8-4.htm
  14. webserver.rilegislature.gov/27-7-2.1.htm
  15. rules.sos.ri.gov/280-30-10-2