Is Rhode Island a no-fault state?
No. Rhode Island is an at-fault state. The liability insurance of the driver found responsible for the crash pays the other people's injuries and damage.
Last checked November 9, 2026 · Official sources (4)
How does Rhode Island car insurance work?
“The liability coverage on your car pays damages and injuries to someone else if you are found responsible for an accident you did not intentionally cause.”
Rhode Island Department of Business Regulation, Insurance Division
What is Rhode Island's minimum car insurance?
| Coverage | What Rhode Island requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $25,000 |
| Uninsured motorist | Insurers must include uninsured motorist coverage equal to your bodily injury liability limits. Only someone buying the bare minimum policy can lower it to zero, after signing a warning notice. |
Other at-fault states
Questions
How much insurance does Rhode Island require?
At least $25,000 for injury or death of one person and $50,000 for two or more people in one crash, plus $25,000 for property damage (or a $75,000 combined single limit).
What if you were partly at fault in Rhode Island?
If you were partly at fault, you can still recover, but your money is cut by your share of the blame.
Hurt in a crash in Rhode Island? Find out if you are owed money.
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See if I’m owed moneySources (4)
- Rhode Island Department of Business Regulation, Insurance Division, checked 2026-11-09. “The liability coverage on your car pays damages and injuries to someone else if you are found responsible for an accident you did not intentionally cause.”
- Rhode Island General Laws, Section 31-47-2, checked 2026-11-09. “of twenty-five thousand dollars ($25,000) because of bodily injury to, or death of, one person in any one accident; and subject to the limit for one person, to a limit of fifty thousand dollars ($50,000)”
- Rhode Island General Laws, Section 27-7-2.1, checked 2026-11-09. “The insurer shall provide uninsured motorist coverage in an amount equal to the insured's bodily injury liability limits.”
- Rhode Island General Laws, Section 9-20-4, checked 2026-11-09. “shall not bar a recovery, but damages shall be diminished by the finder of fact in proportion to the amount of negligence attributable to the person injured”