Rhode Island, the smallest U.S. state, combines coastal living with urban and suburban communities. In 2025, securing the right insurance coverage for auto, health, home, renters, life, and pets is vital for residents to protect their assets and wellbeing.
Auto Insurance in Rhode Island
Rhode Island law requires drivers to carry liability insurance, uninsured motorist coverage, and personal injury protection.
| Coverage Type | Minimum Requirement |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage | $25,000 per accident |
| Personal Injury Protection (PIP) | $5,000 minimum |
| Uninsured Motorist | $25,000 per person / $50,000 per accident |
Top Auto Insurance Providers:
Rates depend on driving history, location, and vehicle type.
Health Insurance in Rhode Island
Residents can obtain health insurance through Rhode Island’s marketplace, HealthSource RI, or the federal marketplace, HealthCare.gov.
Popular Health Insurance Providers:
- Blue Cross & Blue Shield of Rhode Island
- Tufts Health Plan
- Neighborhood Health Plan of Rhode Island
Plan Types:
- Bronze, Silver, Gold, and Platinum plans
- Medicaid and CHIP programs
- HMOs and PPOs
Coverage generally includes preventive services, prescription drugs, and mental health care.
Homeowners Insurance in Rhode Island
Homeowners in Rhode Island face coastal risks like hurricanes and flooding, making insurance crucial.
Average Annual Premium: $1,100–$1,500
Top Home Insurance Providers:
Policies typically cover fire, wind, hail, and liability protection.
Renters Insurance in Rhode Island
Renters insurance protects tenants’ belongings and liability at an affordable cost.
Average Monthly Premium: $12–$18
Top Providers:
Coverage includes personal property, liability, and additional living expenses.
Life Insurance in Rhode Island
Life insurance in Rhode Island offers peace of mind with term and whole life options.
Best Life Insurance Companies:
Common options include term life for affordable coverage and whole life for lifelong protection.
Pet Insurance in Rhode Island
Pet owners can protect their pets with insurance covering accidents, illnesses, and routine care.
Top Pet Insurance Providers:
Policies typically cover accidents, illnesses, surgeries, and wellness visits.
Final Thoughts
Finding the best insurance in Rhode Island in 2025 means choosing policies tailored to the state’s coastal climate and your personal needs. Use HealthSource RI and local agents to compare options and secure the right coverage.
