Rhode Island is one of many states that only requires minimal amounts of auto insurance coverage as part of their financial responsibility law. In Rhode Island, though, law enforcement is very strict. If you're caught driving without auto insurance in Rhode Island, you will lose your license, no questions asked. According to the law, motorists must have the coverage below in order to drive legally:

•     Injury Liability Coverage: $25,000 per person and $50,000 per accident
•     Property Damage Coverage: $25,000 per accident or occurrence

You might want to look into purchasing more than the minimum amount required by law, because Rhode Island law determines that the person cited for the accident must pay for all damages and expenses, whether they are covered by insurance or not. This means that if you get into an accident that ends up with $50,000 in property damages, you'll be responsible for paying that extra $25,000 out of your own pocket. It's probably better if you just purchase a little more coverage in the first place, for your own financial safety.

Your auto insurance in Rhode Island is calculated based on a variety of factors, including your driving record, age, gender, and the type of car you are insuring. You should compare rates with multiple companies to ensure that you're getting the best deal on your auto insurance. You can get as many quotes as you like, and even compare different coverage amounts to see what best suits your needs.