AARP Car Insurance in RI

Discover Savings for AARP Members On Rhode Island Auto Insurance

Rhode Island may be the smallest U.S. state, covering just 1,214 square miles, but it offers something for everyone. From the city streets of Providence and the picturesque roads in Newport to favorite beaches like Watch Hill and Scarborough, exploring Rhode Island is something everyone should do in their lifetime. But before you hit the scenic roads, you’ll want to make sure you have car insurance in RI. That way, if the unexpected occurs, you’ll have peace of mind knowing you’re covered.

For 40 years, the AARP^® Auto Insurance Program from The Hartford¹ has offered car insurance to AARP members in the Ocean State. Drivers can customize policy coverages to meet their unique needs and take advantage of exclusive benefits and savings, like savings of up to 10% for simply having an AARP membership.^† Plus, while car insurance rates are dependent on many factors, Rhode Island auto insurance customers can pay an average of $148^‡‡‡ a month with the AARP Auto Insurance Program from The Hartford.

Required Coverage for RI Auto Insurance

Rhode Island requires drivers to purchase, at minimum, the following car insurance coverages:

Coverage	Amount
Bodily Injury Liability	$25,000 per person; $50,000 per accident
Property Damage Liability	$25,000 per accident
Uninsured/Underinsured Motorist Insurance	$25,000 per person/$50,000 per accident

Liability insurance pays for property damage or injury to others if you are found responsible for a crash. Uninsured/underinsured motorist coverage protects you if you are involved in an accident where the other driver is not properly insured. In Rhode Island, uninsured/underinsured motorist coverage may be declined if a driver chooses to buy only the minimum required bodily injury and property damage coverage.

While only having the minimum coverage may keep insurance premiums low, out-of-pocket costs will be much higher if there is ever an accident.

Additional Coverage for Rhode Island Auto Insurance From The Hartford

The AARP Auto Insurance Program from The Hartford offers additional car insurance coverage to protect Rhode Island drivers, such as:

Collision Coverage

Collision insurance to help pay for damage done to your car if you hit another vehicle or object.

Comprehensive Coverage

Comprehensive insurance, which pays to repair damage to your car from things like natural disasters, theft, vandalism or collision with an animal.

Medical Payments Coverage

Medical payments coverage, which helps pay for medical expenses and rehabilitation.²

Personal Injury Protection

Personal injury protection (PIP) insurance to help pay for losses related to injuries from a car accident, no matter who was at fault.

The Hartford makes it easy to customize your Rhode Island auto insurance to get the protection you’re looking for at a price that fits your budget. We offer additional coverages like:

New Car Replacement^§§

If you total your new car, we’ll pay to replace it with a new vehicle of the same make, model and equipment – with no deduction for depreciation.

RecoverCare^§

If you’re injured in a car accident, you can get up to $2,500 to pay for transportation, cooking, cleaning and other help you may need.

Lifetime Car Repair Assurance

Lifetime car repair assurance, which gives you access to our 1,600 authorized repair shops. If you use one of our recommendations, we’ll guarantee the workmanship on all repairs.

Disappearing Deductible^‡

Disappearing Deductible, an optional benefit, which reduces your collision deductible on your auto policy over time as long as you are a safe driver and maintain a clean driving record.

Rental Car Reimbursement Coverage

Rental Car Reimbursement coverage, also called transportation expense coverage, to help pay for a rental car while your vehicle is in the shop after an accident.

Accident Forgiveness^‡

We understand every driver makes mistakes. If all the drivers on your car insurance policy have a clean driving record for five straight years with The Hartford, you’ll qualify for accident forgiveness.

To learn more about RI auto insurance and the coverage options available to you, call The Hartford at 888-546-9099.

How Much Does AARP Auto Insurance in RI Cost?

The average car insurance cost for Rhode Island customers of the AARP Auto Insurance Program from The Hartford is $1,774 a year, or close to $148 per month.^‡‡‡ However, car insurance rates vary and depend on several factors. For example, your location, driving history and type of car insured may all affect your car insurance premium.

Discounts for AARP Members On Car Insurance in RI

AARP members in Rhode Island can take advantage of car insurance discounts through the AARP Auto Insurance Program from The Hartford to help them save, including:

Bundle Discount

Bundling your insurance in Louisiana is a quick and easy way to save. With the AARP Auto and Home Insurance Program from The Hartford, you could save an average of $800 by bundling your auto and home insurance policies.**

Paid-in-Full Discount

You’re eligible for extra auto insurance discounts if you pay your bill in full rather than making monthly payments.

Safety Feature Discount

You can receive additional savings if your car has certain safety features, like anti-lock brakes.

Online Quote Discount

When you get a car insurance quote from the AARP Auto Insurance Program from The Hartford online today, you can get a discount (in most states).

The Hartford also offers discounts related to driver education and training, like:

Safe Driver Training Discount

You can save on car insurance rates for drivers under 21 years old (under 25 in Georgia) if they complete an approved training course.

Defensive Driver Course Discount

If you’ve completed an approved defensive driving course, you can enjoy a discount on your car insurance for the next three years.

Get a Quote for AARP Rhode Island Auto Insurance

With over 200 years of experience protecting individuals and their assets, The Hartford is here when you need us most. Discover the savings and benefits available to you through the AARP Auto Insurance Program from The Hartford. Call 888-546-9099 or get a free Rhode Island car insurance quote online today in minutes. All you need is a zip code to get started!

Frequently Asked Questions About Auto Insurance in RI

How Much Is Car Insurance Per Month in RI?

The average cost of car insurance per month for Rhode Island customers of the AARP Auto Insurance Program from The Hartford is $148, or $1,774 per year.^‡

What Is the Minimum Car Insurance in Rhode Island?

Bodily Injury Liability Insurance: $25,000 per person/$50,000 per accident
Property Damage Liability Insurance: $25,000
Uninsured/Underinsured Motorist Insurance: $25,000 per person/$50,000 per accident

Why Is Rhode Island Car Insurance So Expensive?

The cost of car insurance in Rhode Island is based on many variables, some of which are personal, like driving history or type of vehicle insured. Other factors outside of one’s control, like population density or accident rates, also play a role in calculating insurance costs.

Local Links

Car Insurance in Plain English

Quick answers and easy-to-understand auto insurance definitions written with you in mind.

To learn more, read through our auto insurance definitions page.

Last Updated: December 17, 2024

² Medical payments are calculated on the basis of usual, customary and reasonable charges.

^† Average savings amounts are derived from 6-month policy terms and based on information reported by customers who switched to The Hartford's newest rate plan between 9/1/22 and 8/31/23. This data is also used to determine the number/percentage of individuals who saved money when they switched. Your savings may vary. Rate differences for AARP members and non-members vary by state and AARP membership tenure.

** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.

^§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage^® is a registered mark of The Hartford.

^§§ Terms and conditions apply.

^‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.

^‡‡ Terms and conditions apply. Availability varies by state.

^‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).

Additional disclosures below.