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Looking for cheap insurance in Rhode Island? Don’t compromise. Let ValChoice help.

ValChoice is the #1 independent insurance comparison website. Our cost calculators help you find the best auto insurance and homeowners insurance companies in Rhode Island. Enter your information below to get insurance quotes and compare car insurance and home insurance companies.

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Rhode Island Insurance Laws and Regulations

The Rhode Island Department of Business Regulation develops and enforces insurance laws for the state. Consumers can contact the department with questions and complaints about their auto and home insurance. If you do not receive the service you expect from your insurer, you can file a complaint directly with the Department of Insurance. The state of Rhode Island does not share complaint information on insurance companies for consumers to use when shopping for insurance

Important Laws

A summary of the driving safety laws for the state of Rhode Island can be found with this link. The information includes a summary of the laws affecting people driving cars, or riding motorcycles or bicycles while using cell phones or texting. Also included are the requirements for child safety seats, wearing a helmet and being under the influence while operating a vehicle in the state of Rhode Island.

The Rhode Island Statute of Limitations defines the time limit following an accident when you can file a lawsuit. Once this time limit has passed, you can no longer file a lawsuit.

State law in RI allows for homeowners insurance to companies to invoke hurricane deductibles. According to state law a hurricane deductible can be in effect when the National Weather Service has issued a hurricane warning.

Rhode Island has minimum auto insurance amounts that are required by law. The table below shows the RI minimum car insurance limits.

Minimum Car Insurance Coverage Required in Rhode Island

Minimum Coverage
Bodily Injury, per person 25,000
Bodily Injury, per accident 50,000
Property Damage 25,000

Resources Available to Consumers

The Rhode Island Small Claims Court is available for you to resolve issues, without needing to hire an attorney. This link to the small claims court provides more information, including the dollar limit of claims that can be made in this court.

The Federal Emergency Management Agency (FEMA) is for disaster victims who are uninsured, underinsured or the victim of a flood.