Rhode Island SR-22 rules and car insurance quotes
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SR-22 rules in Rhode Island
An SR-22 isn't a type of insurance. It's a certificate an insurance company files with a state to prove you carry at least the state minimum coverage. Rhode Island no longer uses it: the Rhode Island Division of Motor Vehicles (DMV) says the state no longer requires SR-22 filings, and it eliminated them on July 18, 2018. Rhode Island still requires insurance on every registered car and checks it electronically. If another state told you to file an SR-22, ask that state's DMV what it needs.
- Rhode Island's DMV no longer requires SR-22 filings, so there's nothing for your insurer to file here
- Keep your car insured the whole time. Rhode Island matches insurance to every registered car, and if yours has no match, the DMV can revoke the registration and block your license and registration renewals
- A licensed agent can quote your policy today and explain your options
Rhode Island minimum car insurance
Rhode Island requires at least $25,000 for injuries per person, $50,000 per accident and $25,000 for property damage, often written as 25/50/25, or a single combined limit of $75,000. Your policy has to meet at least these limits.
No car? Non-owner insurance in Rhode Island
If you don't own a car, Rhode Island law recognizes an operator's (non-owner) policy, which covers your liability when you drive a car you don't own. Ask the agent whether it fits your situation.
Learn about non-owner car insurance →SR-22 rules and car insurance across Rhode Island
We help drivers anywhere in Rhode Island. These cities and towns have their own page with local details, but you don't need one: call or start a quote from wherever you live.
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Rhode Island SR-22 questions
Do I need an SR-22 in Rhode Island?
No. Rhode Island's DMV says the state no longer requires SR-22 filings, and it eliminated them on July 18, 2018. A DUI suspension can still come with other steps, like an ignition interlock or alcohol education, and any car you register must stay insured. If you aren't sure, ask the Rhode Island DMV or a licensed agent.
How long do I need an SR-22 in Rhode Island?
You don't need one for Rhode Island. If another state told you to file an SR-22, ask that state's DMV how long it needs one.
What happens if my insurance lapses in Rhode Island?
Rhode Island matches insurance policies to every registered car. If yours has no match for four weeks in a row, you get a letter, and if you don't fix it, the DMV can revoke the registration and block your license and registration renewals. Getting it back takes insurance, a sworn statement and a $253.50 fee, followed by 12 months of insurance checks. Line up a new policy before you switch companies.
Can I get car insurance in Rhode Island without a car?
Yes. Rhode Island law recognizes an operator's (non-owner) policy for drivers who don't own a vehicle. A licensed agent can quote one.
Sources: Rhode Island DMV: SR-22 no longer required (GU-1338 page) · Rhode Island General Laws 31-47-2: minimum limits
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