Rhode Island Auto Insurance Quotes

At HomeInsurance.com, our customers know that we are not just home insurance. We offer some of the most competitive auto insurance rates and home and auto insurance discounts available. Finally, finding competitive, low cost car insurance quotes in Rhode Island does not have to be a chore. Fill out one form and our licensed agents will match you with the Rhode Island auto insurance provider that offers the best rate for your vehicle and your drivers.

The average Rhode Island car insurance rate in 2008 was $986.00. It appears that rates have increased over the past 3 years, so make sure you shop your Rhode Island auto insurance policy today.

Since rates have increased in recent months, it’s important to continue to save money and find great coverage on Rhode Island auto insurance. Be sure to ask your Rhode Island car insurance agent about a Home-Auto Discount which can save you up to 25% or more on your home and auto insurance. Also, check your coverages on a regular basis to make sure you have enough auto insurance coverage in the event of a accident or other claim.

Rhode Island Auto Insurance Coverage Requirements

Bodily Injury: Rhode Island drivers are required by law to carry a minimum of $25,000 of bodily injury coverage with a maximum of $50,000 per accident. Bodily injury coverage provides for lost wages, funeral expenses and medical expenses in the event of an accident where injuries are sustained.

Property Damage: Drivers in Rhode Island must carry a minimum of $25,000 in property damage liability coverage for every owned vehicle. This coverage protects drivers from damages caused to private and public property damaged in an accident.

Rhode Island Recommended Coverages

• Uninsured/Underinsured Motorist Coverage- a type of insurance which pays for the damages caused by uninsured and underinsured drivers.
• Comprehensive and Collision Coverage- a type of insurance coverage which pays for damages caused by storms and other natural disasters

Another way to save money on Rhode Island car insurance premiums is to take advantage of auto insurance discounts that can save you money in your area. Read more about the Rhode Island Home-Auto Discount.

Auto Insurance Tools and Tips:

• Auto Insurance Quiz- Why do you really pay what you do for auto insurance? Quiz yourself!
• Teen Driver Contract- Download our free teen driver contract and start protecting your teens on the road today.
• Car Insurance RateReport: See how your premiums add up against other drivers in the country with our interactive RateReport map.

Rhode Island Most Stolen Vehicles

Some specific vehicle models are known for being more commonly stolen than others. Owning one of these vehicles may affect your auto insurance rates. Check out the most commonly stolen vehicles in Rhode Island:

The Top 10 Most Stolen Vehicles in Rhode Island

Rank	Year	Vehicle
1	1995	Nissan Maxima
2	1994	Honda Accord
3	1995	Honda Civic
4	1990	Toyota Camry
5	1995	Acura Integra
6	1998	Ford Taurus
7	2000	Jeep Cherokee/Grand Cherokee
8	1999	Dodge Caravan
9	1989	Toyota Corolla
10	1994	Oldsmobile Cutlass

Source: © 2007 National Insurance Crime Bureau.

Rhode Island Driver Licensing Rules/Regulations:

Laws about licensing new drivers vary per state and are unique in Rhode Island. Drivers shopping for Rhode Island teen auto insurance should review the laws regarding young drivers in their state. A summary of Rhode Island young driver and driver licensing regulations are listed below, as per the Insurance Institute for Highway Safety (IIHS):

To earn a Rhode Island learners permit you must be of this minimum age:	16
Before getting a Rhode Island drivers license you must have a learners permit for:	6 months
Also, you must have this minimum amount of supervised driving time:	50 hours, 10 of which must be at night
To earn a Rhode Island driver's license you must be of the minimum age:	16, 6 months
During your restricted license stage, you are not allowed to drive between:	1 am-5 am
Also, you are required to comply with the following passenger restrictions:	first 12 months–no more than 1 passenger younger than 21
The minimum age at which your restricted nighttime hours may be lifted in Rhode Island is:	17, 6 months
The minimum age at which your passenger restrictions may be lifted in Rhode Island is:	17, 6 months

Shop HomeInsurance.com for the lowest rates and best coverage for your vehicles. Simply enter your zip code above to start your customized car insurance quote and let our auto insurance agents qualify you for all available discounts in Rhode Island.

Search for auto insurance in your Rhode Island county:

For additional information about specific auto insurance laws in Rhode Island, visit the Rhode Island Department of Business Regulation website.