Motorcycle Insurance Minimum Requirements in Rhode Island

Rhode Island Insurance Requirements for Motorcycles

You'll need to carry at least the following levels and types of protection to be in accord with state law:

• $25,000 of bodily injury coverage for injuries or death occurring to one person in an accident

• $50,000 of bodily injury coverage for injuries or deaths occurring to more than one person in an accident

• $25,000 of property damage coverage per accident

These are just the minimum requirements; consider higher levels of protection to help safeguard your assets and protect your financial health. Consult our Types of Coverage section to learn more about this, and develop a deeper understanding of the kinds of vehicle liability insurance available to you.

Of course, this added protection means higher premiums. But, you can contain your expenses when you comparison shopp online (or use the toll-free numbers set up by insurance companies) to find the best rates.

How Coverage Affects Helmet Requirements

Your insurance coverage won't affect helmet requirements.

Proof of Insurance and Financial Responsibility

Your insurer will notify the DMV if your policy has lapsed or been canceled.

But, it's up to you to maintain proof of insurance, and show it whenever necessary. You can do this by keeping your insurance card in your vehicle at all times.

Penalties for Failure to Maintain Financial Responsibility

What if you have no proof of insurance when law enforcement asks to see it?

If it happens after being pulled over for a possible traffic violation, you could be cited, have to pay a $500 fine, and face a three-month license suspension. But, if you can show within 10 days that you had the proper insurance at the time of the traffic violation, your penalties may be waived.

For more information about the penalties and how to take care of them, contact the DMV at (401) 462-4368.