State Coverage Requirements

Coverage Type

State Coverage Requirements

Bodily Injury Liability

$25,000 limit per person / $50,000 limit per accident

Property Damage Liability

$25,000 limit

Collision

Not required, but recommended

Comprehensive

Not required, but recommended

Medical Expenses

Not required, but recommended

Personal Injury Protection (PIP)

Not required

Uninsured Motorist

$25,000 limit per person / $50,000 limit per accident, can be rejected in writing

Underinsured Motorist

Combined with uninsured motorist coverage

Property Protection (PPI)

Not required

Average rates vs National Average

National AVG.

Rhode Island AVG.

source: www.iii.org

Cellphone/Texting

Explained

Hand-Held Cell Phone Ban:

There is no ban.

All Cell Phone Use Ban for Novice Drivers:

Drivers under the age of 18 cannot use a cell phone at all while driving.

Texting Ban:

In Rhode Island, text messaging is banned for all drivers.

DUI Laws

Explained

The legal limit for a blood alcohol concentration (BAC):

The legal limit for a blood alcohol concentration (BAC) while driving is 0.08. It is a crime to drive with a BAC at this number or above it.

Increased penalty for high BAC:

There are increased penalties for drivers with a BAC of 0.10 and .15 or above.

1st offense Suspension:

None in Rhode Island.

Ignition Interlocks:

These are devices installed in the cars of convicted drunk drivers, which analyze the breath or the driver before starting the vehicle and disable the ignition if alcohol is detected. Rhode Island made the installation of ignition interlocks discretionary to the judges on an offender's second or subsequent conviction.

Repeat Offenders:

None in Rhode Island.

Open Container Law:

No driver or passenger can have any receptacle that contains any amount of alcohol that is open or unsealed in his or her possession or in any area of the vehicle where it would be easily accessible by the driver or passengers.

Graduated Drivers License

Explained

Learner Stage:

(Supervised driving, to be completed with a driving test): At 16 years of age, individuals can begin driving with supervision for a period lasting a minimum of six months. In this stage, the new drivers are required to get 50 hours of supervised driving, 10 of which need to be at night.

Intermediate Stage:

Min. Age: 16.5
Night Driving Restriction: 1am-5am
Passenger Restriction: No more than 1 passenger under 21 for the first year

(Some limits are applied to unsupervised drivers in high-risk situations): Drivers who passed the driver's test at 16 and six months are now unsupervised drivers in the intermediate stage. These drivers are not allowed to drive between the hours of 1am and 5am and cannot drive with more than one passenger under 21 for the first twelve months.

Full Privilege Age:

Age: 17.5

(Full driver's license): At the age of 17 and six months, Rhode Island drivers can now get a standard driver's license without any restrictions.

Speed Limit

Car

Truck

Rural Interstates:

SPEED LIMIT
65 MPH
SPEED LIMIT
65 MPH

Urban Interstates:

SPEED LIMIT
55 MPH
SPEED LIMIT
55 MPH

Other Limited Access Roads:

SPEED LIMIT
55 MPH
SPEED LIMIT
55 MPH

Page Source: ghsa.org

Rhode Island
Department of Insurance

Website: dbr.ri.gov/divisions/insurance/
Address:  1511 Pontiac Avenue, Cranston, Rhode Island 02920
Phone:  401-462-9500

Rhode Island
DMV Information

Website:  www.dmv.ri.gov/
Phone: 401-462-4368