Rhode Island SR-22 Insurance After Filing Ends
Rhode Island requires 25/50/25 liability coverage and is an at-fault state.
Compare Rates 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, license suspensions for serious violations, uninsured accidents, or multiple at-fault accidents typically face SR-22 filing requirements lasting 3 years. Most carriers allow SR-22 to be added to standard policies, but post-SR22 drivers often see the best rate improvement by shopping within 30 days of their filing requirement ending rather than staying with their current insurer.
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
- Time since SR-22 requirement ended (6 months, 1 year, 2 years, 3+ years)
- Type of original violation (DUI rates drop slower than uninsured accident rates)
- Number of violation-free renewals since SR-22 completion
- Whether you maintained continuous coverage without lapses after filing ended
- Whether you shop within 30 days of SR-22 ending vs staying with your current carrier
Shop Again Now That Your Filing Has Ended
Compare Rates 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. Rhode Island's 25/50/25 minimums are low for accident scenarios involving serious injuries or multiple vehicles.
Full Coverage
Combines liability, collision, and comprehensive coverage for maximum protection. Required by lenders and recommended for vehicles valued above $5,000.
Comprehensive Coverage
Protects against non-collision damage: theft, vandalism, weather, falling objects, animal strikes. Pays to repair or replace your vehicle minus your deductible.
Uninsured Motorist Coverage
Pays for your injuries and vehicle damage when an at-fault driver has no insurance or insufficient coverage. Must be offered at the same limits as your liability policy in Rhode Island.
SR-22 Insurance
A certificate filed by your insurer to the Rhode Island DMV proving you carry minimum liability coverage, required after DUI, license suspension, or uninsured accidents.
Non-Standard Auto Insurance
Coverage designed for drivers with violations, lapses, SR-22 requirements, or suspended licenses. Non-standard carriers specialize in high-risk profiles and often offer better rates than standard carriers during and immediately after SR-22.