Rhode Island SR-22 Insurance After Violations
Rhode Island requires 25/50/25 liability coverage and is an at-fault state.
Find Affordable Coverage After SR-22Rhode Island at a Glance
25/50/25
Minimum liability limits, in thousands of dollars (per person / per accident / property)
At-fault
The at-fault driver's insurance pays for the damage they cause
Optional
PIP and uninsured motorist coverage are not required by law
$154
State license reinstatement fee, about 2 days to process
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Rhode Island
Drivers with DUI convictions, major violations causing license suspension, or uninsured accidents typically must file SR-22 proof of financial responsibility with the Rhode Island Division of Motor Vehicles for 3 years. These minimums rarely cover the full cost of serious accidents — high-risk drivers face greater lawsuit exposure and should consider higher limits.
Liability Insurance
Full Coverage
Uninsured Motorist Coverage
Comprehensive Coverage
SR-22 Insurance
What Drivers Pay in Rhode Island
$408–$627/mo
Typical monthly rate in Rhode Island, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
What Affects Your Rate
- SR-22 requirement duration: 3-year filing period keeps you in non-standard markets with limited competition
Your SR-22 Is Over. Your Rate Should Drop Too
Find Affordable Coverage After SR-22If your license is suspended
Conditional Hardship License (§31-27-2.8)
application fee $28.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Coverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Required for SR-22 filing and the foundation of every policy, but 25/50/25 minimums rarely cover serious accidents.
Full Coverage
Liability plus comprehensive and collision. Required for loans and leases, and the most expensive option during SR-22 but the fastest to recover rates after filing ends.
Uninsured Motorist Coverage
Protects you when an uninsured driver causes an accident. Not required in Rhode Island, but valuable for high-risk drivers who cannot afford another claim.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, weather, animals. High-risk surcharges apply but are lower than collision since comprehensive is not tied to your driving behavior.
SR-22 Insurance
Electronic proof of financial responsibility filed by your insurer with the state. The filing itself costs $15–$50, but it requires a non-standard policy costing $2,400–$4,800/year.
Non-Standard Auto Insurance
High-risk policies from carriers specializing in SR-22, DUI, and suspended license drivers. Premiums are 40–70% higher than standard markets, but availability is immediate.