Coverage and service for the Ocean State
If you live in Rhode Island or plan to move there, we can help you find the protection you need with USAA Auto Insurance.
Whether you're heading to Providence to check out the food scene or the coastline for a seaside vacation, we can be there for you.
Required car insurance coverage in Rhode Island
Rhode Island law requires drivers to have the following minimum coverage limits.
Coverage |
Bodily injury liability |
|---|---|
Description |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
Minimum requirement |
$25,000 limit per person $50,000 limit per accident |
Coverage |
Property damage liability |
Description |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
Minimum requirement |
$25,000 limit per accident |
Coverage |
Uninsured and underinsured motorists bodily injury |
Description |
This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance or doesn’t have enough coverage. |
Minimum requirement |
$25,000 limit per person $50,000 limit per accident. You can have any available limit up to your bodily injury liability coverage. |
Coverage |
Medical payments |
Description |
This helps cover medical expenses if you or your passengers are injured in an accident. |
Minimum requirement |
$2,500 per accident Coverage can be waived by written request. |
Required car insurance coverage in Rhode Island
Rhode Island law requires drivers to have the following minimum coverage limits.
| Coverage | Description | Minimum requirement |
|---|---|---|
Bodily injury liability |
This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
$25,000 limit per person $50,000 limit per accident |
Property damage liability |
This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
$25,000 limit per accident |
Uninsured and underinsured motorists bodily injury |
This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance or doesn’t have enough coverage. |
$25,000 limit per person $50,000 limit per accident. You can have any available limit up to your bodily injury liability coverage. |
Medical payments |
This helps cover medical expenses if you or your passengers are injured in an accident. |
$2,500 per accident Coverage can be waived by written request. |
Rhode Island law requires drivers to have the following minimum coverage limits.
| Coverage | Bodily injury liability |
|---|---|
| Description | This helps cover expenses for the injuries or deaths of others involved in accidents where you're found at fault. |
| Minimum requirement | $25,000 limit per person $50,000 limit per accident |
| Coverage | Property damage liability |
| Description | This helps pay for damages to other people's property like vehicles, homes and other buildings if you're at fault for an accident. |
| Minimum requirement | $25,000 limit per accident |
| Coverage | Uninsured and underinsured motorists bodily injury |
| Description | This helps cover your expenses if you're injured in an accident caused by a driver who doesn't have insurance or doesn’t have enough coverage. |
| Minimum requirement | $25,000 limit per person $50,000 limit per accident. You can have any available limit up to your bodily injury liability coverage. |
| Coverage | Medical payments |
| Description | This helps cover medical expenses if you or your passengers are injured in an accident. |
| Minimum requirement | $2,500 per accident Coverage can be waived by written request. |
Get up to 30% off your premium at renewal for being a safe driver. See note 4
With USAA SafePilot®, the better you drive, the bigger the discount you may earn.
Rhode Island car insurance FAQ
If you’re moving to Rhode Island or within the state, you should change the vehicle location on your auto policy. You may also want to review your coverage and deductibles, as insurance needs can change with a move.
It’s also a good idea to check with your state to see if you need to update your vehicle registration.
Some states may require you to carry a physical insurance ID card. You can print your own card or we can send it to you. You can also save a digital copy to the USAA Mobile App.