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Rhode Island Motorcycle Insurance Requirements

Rhode Island Motorcycle Insurance Requirements

Rhode Island is located in the New England region of the United States and is officially referred to as the “State of Rhode Island and Providence Plantations.” It is the single smallest state in terms of area and among the top eight least populous states in the U.S. Historically, this state was the first of the original 13 colonies to declare independence from British rule in 1776. It was also the last state of the 13 original colonies to ratify the U.S. Constitution. The official nickname for this state is “The Ocean State” due to the fact that the state is has over 400 miles of coastline to various bodies of water – including the Atlantic Ocean.

The economy in this state is was originally based primarily around the fishing industry. Today there are various other economic influences including health services, tourism, and manufacturing. The state is home to headquarters of several Fortune 500 companies including Citizens Financial Group, CVS Caremark, and Textron. This state has among the lowest levels of energy consumption per capita. It is rated as one of the most efficient states in the entire country.

Rhode Island Motorcycle Insurance

The Department of Motor Vehicles (DMV) requires that all motorcyclists obtain liability insurance before they drive on public roads. Anytime you operate a motor vehicle, there is a risk of getting into an accident. Because drivers are not perfect and an accident could happen at any time, you are required to have liability coverage to show that you are financially responsible. This will help reimburse other individuals for injuries and property damage in the event that you cause an accident.

How to Establish Financial Responsibility in RI

You only have one option to establish financial responsibility in Rhode Island – you need to get insurance. This policy must provide liability protection for bodily injuries and property damage. In other states there are some alternatives to an insurance policies that you can explore, but not in this state.

  • Liability Insurance: You must buy liability coverage from a state-authorized carrier. The policy that you purchase must comply with the limits that are required.

Note: Most major insurance providers will make sure that your policy meets the state’s required minimums.

Motorcycles / Two-Wheeled Vehicles Defined

It is pretty simple to tell the difference between a motorcycle and a scooter right? Not necessarily for everyone. If you are confused about the definition of your vehicle and would like to know proper classification, be sure to contact the state’s DMV. Representatives can be contacted at the following number: (401)-462-4368.

Motorcycle: Motor vehicles having not more than 3 wheels in contact with the ground and a saddle on which the driver sits astride. Bicycles with helper motors are not included in this definition.

Motor-Driven Cycle: Every motorcycle, including motor scooters, with a motor that does not exceed 5-horsepower.

Motorized Bicycle (Moped): A 2 wheeled vehicle which may be propelled by human power or helper power or by both, with a motor rated no more than 1.5-brake horsepower. These must not exceed a top speed of 30 mph.

Motor Scooter: A motor-driven cycle with a motor rated no more than 4.9-brake horsepower and not greater than 50 cc engine displacement. These must not exceed 30 mph at top speed.

Rhode Island Motorcycle Insurance Requirements

Below are the liability requirements that must be satisfied before you can legally operate your motorcycle. As you can see, the policy required in this state would be abbreviated as “25/50/25” coverage. When you shop for insurance, make sure that you are aware of these minimums.

Minimum Liability Insurance:

  • $25,000 bodily injury per person

  • $50,000 bodily injury per accident

  • $25,000 property damage per accident

Understand that the minimum requirements may not be enough protection in an accident. If the accident is more costly than these amounts and you purchased the minimum liability coverage, you will have to pay the rest out of your own savings. If you would like to be better protected, you should think about increasing your coverage limits when buying a policy.

Rhode Island Motorcycle Laws: Safety & Licensing Requirements

In addition to having the necessary amount of insurance, you must also follow motorcycle laws. You should be familiar with various laws concerning helmet usage, eye protection, and licensing. Read below for further information so that you know how to prepare for the road.

  • Helmets: All drivers under the age of 21 are required to wear helmets. Additionally, all passengers must wear helmets. New operators, or anyone that has had a license for less than 1 year must also wear a helmet – regardless of age.
  • Eye Protection: All individuals must wear eye protection regardless of age.
  • Headlights: It is recommended to use your headlights during the daytime, but it’s not a legal obligation.
  • License: In order to obtain a Motorcycle License, you must pass both a written test as well as a skills (road) examination. You can complete a Motorcycle Rider Safety Course through the Community College of Rhode Island to get the official motorcycle endorsement. This can only be done 30 days after you’ve held a permit. For further information, contact the Rhode Island DMV.

Proof of Insurance in Rhode Island

Anytime you are driving your motorcycle, you need to have proof of insurance on hand. If ever fail to renew existing coverage, your provider will notify the state DMV about your policy expiration. You must always have proof of coverage in the event you are pulled over by a police officer and/or are involved in an accident.

  • Identification Card: Your insurance provider will issue you an identification card when you purchase coverage. This card contains information that links the coverage you bought to your name and motorcycle. Keep it with you at all times for legal reference.

Penalties for Driving Without Insurance in Rhode Island

As you should know, driving without insurance can lead to penalization. All it takes is getting pulled over one time and not having sufficient insurance to get penalized. If you get into an accident and don’t have coverage, the penalties are even worse.

  • Fines: Automatic fines are issued for drivers that are caught without insurance.
  • License Suspension: It is likely that your license will be suspended for a period of time. In order to reinstate it, you must purchase a valid insurance policy.
  • Registration Suspension: The registration for your motorcycle will be suspended. During the suspension period, nobody will be able to drive the vehicle.
  • Reinstatement Fees: In order to reinstate your license and registration, you must serve the suspension period, purchase insurance, and pay reinstatement fees.

Note: All penalties can be avoided by simply purchasing an insurance policy and renewing coverage upon expiration.

Rhode Island Insurance Companies

When searching for an insurer in the “Ocean State,” you should make sure that you conduct a company comparison. An easy way to compare companies is by reading reviews and taking note of specific policy features that you like. Companies offer different types of coverage as well as unique discounts. Once you have a few companies in mind that you’d like to consider for insurance, you should collect quotes.

An easy way to gather quotes is to enter your Zip Code in to the search form below. A list of top providers will be generated based on your specific living location. It is your job to get quotes from each of these companies. It is completely free to collect quotes and compare policy prices. When you are finished with your comparison, you should be able to decide on a company that you’d like to have for your coverage.

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