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Rhode Island Insurance Guide
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Insurance in Rhode Island
Find comprehensive insurance information for Rhode Island (RI) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Northeast region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Rhode Island (RI) |
| Region | Northeast |
| Population | ~1.1M residents |
| Health Marketplace | HealthSource RI |
| Insurance Regulator | Rhode Island Department of Insurance |
Health Insurance in Rhode Island
Rhode Island residents can find health coverage through:
- HealthSource RI - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Rhode Island
Rhode Island has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Rhode Island
Protect your home with coverage tailored to Rhode Island’s specific risks and requirements.
Life Insurance in Rhode Island
Find life insurance options available to Rhode Island residents to protect your family’s financial future.
How Rhode Island Compares
Understanding how Rhode Island stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Rhode Island | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $2,145 | $1,935 | +11% (well above average) |
| Health Insurance (monthly) | $598 | $477 | +25% (near average) |
| Home Insurance (annual) | $1,823 | $2,377 | -23% (above average) |
| Uninsured Rate | 5.4% | 9.5% | -43% (well above average) |
Key Insights
- Auto insurance costs in Rhode Island are among the highest in the nation (#44). Shopping around and comparing quotes is especially important.
- Rhode Island has one of the lowest uninsured rates in the nation (#7), indicating strong access to coverage.
Related Resources
- What Insurance Do I Need? - Coverage Quiz - Find out which coverage types match your situation
- Insurance Coverage Checklist - Review your coverage and identify gaps
- Insurance Costs by State - Compare costs across all 50 states
- Insurance Glossary - Understand common insurance terms
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Rhode Island Department of Business Regulation - Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- HealthSource RI (opens in new tab) - Rhode Island’s official health insurance marketplace
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Rhode Island address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Rhode Island Department of Business Regulation
- Phone
- 401-462-9520
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Rhode Island?
Rhode Island requires minimum liability coverage of 25/50/25: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 for property damage. Uninsured motorist coverage at 25/50 is also required.
How do I get health insurance in Rhode Island?
Rhode Island has its own state marketplace, HealthSource RI. Open enrollment runs November through January. Rhode Island expanded Medicaid and has one of the lower uninsured rates in the nation. Many residents qualify for premium tax credits.
Does Rhode Island homeowners insurance cover hurricane damage?
Standard homeowners insurance covers wind damage from hurricanes, but flood damage requires separate flood insurance. Coastal Rhode Island properties may have separate wind/hurricane deductibles. Flood insurance is recommended given coastal exposure.
Is flood insurance required in Rhode Island?
Flood insurance is required for properties in FEMA-designated flood zones with federally backed mortgages. Given Rhode Island’s extensive coastline and low elevation, flood insurance is strongly recommended for all coastal and low-lying properties.
What is the average cost of car insurance in Rhode Island?
Rhode Island drivers pay approximately $2,000-$2,300 per year for full coverage auto insurance, which is above the national average. Providence metro area has higher rates than other parts of the small state.
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[rhode-island] Insurance Types
Compare insurance options available to [rhode-island] residents. Requirements and costs vary - learn what coverage you need.
Neighboring State Guides
Explore insurance guides for states bordering Rhode Island:
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