Rhode Island SR-22 & High-Risk Auto Insurance
Rhode Island requires 25/50/25 liability coverage and is an at-fault state.
Compare Rates After a ViolationRhode 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 with DUI convictions, license suspensions for points or unpaid violations, at-fault accidents while uninsured, or habitual offender status typically must file SR-22 proof of insurance with the Rhode Island Division of Motor Vehicles. The SR-22 requirement usually remains in effect for 3 years from the date of filing, and any lapse in coverage during that period restarts the clock.
Liability Insurance
SR-22 Insurance
Non-Standard Auto Insurance
Uninsured Motorist Coverage
Full Coverage
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
- Time since violation: rates begin dropping after 12 months of clean driving and decrease significantly after 36 months
- Carrier type: non-standard insurers specializing in high-risk drivers may offer lower rates than standard carriers willing to write SR-22 policies
Shop Again Before Your Next Renewal Hits
Compare Rates After a ViolationCoverage Types
SR-22 Insurance
A certificate filed by your insurer with the Rhode Island Division of Motor Vehicles proving you carry continuous liability coverage. Required after DUI, license suspension, or driving uninsured.
Non-Standard Auto Insurance
Policies designed for drivers with violations, suspensions, or SR-22 requirements who cannot obtain standard coverage. Often the only option immediately after a DUI or major violation.
Liability Insurance
Covers injuries and property damage you cause to others. Rhode Island requires $25,000/$50,000/$25,000, but higher limits protect your assets if you cause a serious accident.
Full Coverage
Combines liability, collision, and comprehensive insurance. Required by lenders for financed or leased vehicles and provides maximum protection for your vehicle and others.
Uninsured Motorist Coverage
Protects you if hit by a driver with no insurance or insufficient coverage. Rhode Island requires insurers to offer this coverage, though you can reject it in writing.
Collision Coverage
Pays to repair or replace your vehicle after an accident, regardless of fault. Required by lenders and especially valuable for high-risk drivers with newer vehicles.