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Rhode Island SR-22 & High-Risk Auto Insurance

Rhode Island requires 25/50/25 liability coverage and is an at-fault state.

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Rhode 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, suspended for excessive points, or caught driving uninsured typically face SR-22 filing requirements enforced by the Rhode Island Division of Motor Vehicles. The SR-22 requirement generally lasts 3 years from the date of reinstatement. Minimum coverage may not be sufficient for high-risk drivers facing SR-22 requirements, as higher limits reduce out-of-pocket exposure after a second violation.

Liability Insurance

High-risk drivers often carry 50/100/50 or 100/300/100 to avoid personal asset exposure. If you're already on an SR-22 requirement, a second violation with insufficient coverage can trigger license suspension and restart the 3-year SR-22 clock.

SR-22 Insurance

SR-22 is a certificate filed by your insurer with the Rhode Island DMV confirming you carry at least minimum liability coverage. It's not a separate policy—it's an endorsement added to your existing auto insurance.

Full Coverage

Full coverage combines liability, collision, and comprehensive insurance. For high-risk drivers with financed or leased vehicles, lenders require full coverage regardless of SR-22 status.

Uninsured Motorist Coverage

Rhode Island does not mandate uninsured motorist (UM) coverage, but insurers must offer it.

Non-Standard Auto Insurance

Non-standard carriers specialize in high-risk profiles—DUIs, suspensions, SR-22 filings, and multiple violations. In Rhode Island, non-standard insurers may offer coverage when standard carriers decline or quote prohibitively high rates.

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

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See Who Will Insure You After a Ticket

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Coverage Types

SR-22 Insurance

Certificate filed by your insurer proving you meet Rhode Island's minimum liability requirements. Required for DUI, suspensions, and uninsured accidents.

Non-Standard Auto Insurance

Policies designed for drivers with DUIs, suspensions, or multiple violations. Non-standard carriers accept higher-risk profiles when standard insurers decline coverage.

High-Risk Auto Insurance

Broad category covering SR-22, non-standard, and assigned risk policies for drivers with serious violations or lapses.

Full Coverage Insurance

Liability, collision, and comprehensive bundled together. Required by lenders and lessors regardless of SR-22 status.

Liability Insurance

Covers injuries and property damage you cause to others. Rhode Island minimums are 25/50/25, but higher limits protect personal assets.

DUI Insurance

Auto insurance for drivers convicted of DUI or DWI. Requires SR-22 filing and acceptance by a high-risk or non-standard carrier.

Find Your City in Rhode Island

Providence

urban

Cranston

suburban

Warwick

suburban

Pawtucket

urban

East Providence

suburban