Liability Car Insurance in Rhode Island
Numbers refreshed
In Rhode Island, the cheapest legal policy: the price you pay and the gaps in coverage.
- $87.The average monthly cost of liability coverage.
- 25/50/25.Liability limits at the legal minimum.
- For the most expensive state ranking, 9th of 51 (1st = highest).
Liability insurance prices in Rhode Island
In Rhode Island, liability-only car insurance averages $1,041 a year, or about $87 a month. For liability, it is the 8th most expensive state.
| Coverage in Rhode Island | Per year | Per month |
|---|---|---|
| Liability | $1,041 | $87 |
| Collision | $600 | $50 |
| Comprehensive | $209 | $17 |
| Full coverage (all three) | $1,850 | $154 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
What you still pay under the minimum
The minimum liability limits in Rhode Island are 25/50/25. Each person hurt is covered up to $25,000, everyone hurt in one crash up to $50,000, and damage to other people's property up to $25,000.
Other people are the ones liability pays. You pay for repairs to your own car unless you add collision.
Any crash cost above your limits can be claimed from you. Buying higher limits usually costs far less than the extra protection you get.
First written