Rhode Island SR-22 & High-Risk Auto Insurance
Rhode Island requires 25/50/25 liability coverage and is an at-fault state.
Find Carriers That Accept PointsRhode 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 convicted of DUI, driving without insurance, or accumulating excessive violations typically face SR-22 filing requirements through the Rhode Island Division of Motor Vehicles. The state uses a point system where 12 points in 12 months triggers automatic license suspension, and many violations that result in points also require proof of financial responsibility.
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
What Affects Your Rate
- Rhode Island's 12-point suspension threshold: reaching 12 points in 12 months triggers automatic suspension and often SR-22
- Time since violation: most carriers offer rate reductions after 3 years of clean driving, with DUI surcharges lasting 5+ years
- Non-standard vs. standard market: non-standard carriers charge higher premiums but accept high-risk drivers that standard insurers decline
Stop Overpaying While Your Points Fade
Find Carriers That Accept PointsCoverage Types
Liability Insurance
Pays for injuries and property damage you cause to others. Rhode Island's 25/50/25 minimums leave you personally liable for any damages above those limits, a significant risk after an at-fault accident or DUI.
Full Coverage
Combines liability, collision, and comprehensive to protect both your legal obligation and your vehicle. Required by lenders if you finance or lease, and often the only way to protect a financed car while meeting SR-22 requirements.
Non-Standard Auto Insurance
Policies designed for drivers with DUI, suspensions, SR-22 requirements, or violations that standard insurers decline. Non-standard carriers offer immediate SR-22 filing and flexible payment plans but charge higher premiums.
Uninsured Motorist Coverage
Protects you if an uninsured or underinsured driver causes an accident. Rhode Island does not require UM/UIM, but industry estimates suggest 12–15% of state drivers are uninsured.
SR-22 Insurance
A certificate filed by your insurer proving you carry at least minimum liability. Required for 3 years after DUI, uninsured accidents, or court order, with any coverage lapse restarting the requirement period and re-suspending your license.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Not required by Rhode Island unless you finance or lease, but essential if your car's value exceeds what you can afford to replace out of pocket.