How It Works
Enter your ZIP code and tell us what coverage you are looking for in Rhode Island
See what Rhode Island requires and compare quotes from licensed carriers
Choose coverage that meets Rhode Island requirements and get proof of insurance
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Liability Insurance
Every vehicle on a multi-car policy must carry at least your state's minimum liability limits. This coverage pays for damage you cause to others — bodily injury and property damage — and is required to register and legally drive every car on the policy.
Full Coverage Car Insurance
Full coverage adds collision and comprehensive to liability, protecting your own vehicle from accidents, theft, weather, and vandalism. On a multi-car policy, you can put full coverage on one car and liability only on another — the multi-car discount applies to the whole policy regardless of per-vehicle coverage levels.
Uninsured and Underinsured Motorist Coverage
Uninsured motorist coverage pays for your injuries and vehicle damage when the at-fault driver has no insurance or insufficient limits. Required in 22 states, optional in others. On a multi-car policy, this coverage typically applies to every vehicle on the policy once added.
Multi-Car Policy Structure
A multi-car policy puts two or more vehicles on one policy under one renewal date. Each vehicle can carry a different coverage level — one with full coverage, another with liability only — while the whole policy earns the multi-car discount. Most carriers require every vehicle to be garaged at the same address.
