Rhode Island SR22 Insurance

Cheap RI SR22 InsuranceRhode Island SR22 Insurance – regardless of if you own a vehicle or not or if you’ve maintained having prior insurance, our goal is to find affordable Rhode Island SR22 Insurance solutions for every driver.   Select Insurance Group has thousands of customers and routinely finds Rhode Island SR22 Insurance rates that are hundreds of dollars less than competing quotes… simply because we are not tied to one particular company like a Geico, State Farm or Allstate.  We offer more than 50 top-rated insurance companies that specifically work with high-risk drivers and will shop the market through our “Select Quote” system to find you the lowest price! Call now or enter your information into our Rhode Island Select Quoting Engine!

Rhode Island SR22 Insurance - Like most states it is illegal to drive a motor vehicle in Rhode Island without minimum liability insurance coverage. The standards below indicate the minimum coverage required. Naturally, higher coverage can be acquired for policyholders concerned about liability.

$25,000 This is the maximum amount per person paid for bodily injury (“BI”) injuries.
$50,000 This the total amount paid by the policy for all bodily injury to all persons. Therefore if several people are injured, those who file first would receive payment as defined above, and once the total payment was reached, the remaining parties must pursue the policyholder for any sums over these amounts.
$25,000 This is the total amount paid for property damage (“PD”).

Learn More About Rhode Island SR22 Insurance:

Rhode Island SR22

Why do I need to file an SR22 insurance form in Rhode Island?

In order to reinstate your driver’s license you will likely need an SR-22 filed with the state for the following violations:

  • Driving under the influence of alcohol and/or drugs (DUI)
  • Accumulation of points on driving record
  • Reckless driving
  • Refusal to take chemical BAC test
  • Driving without proper insurance

How do I get an SR-22 filed with the state of RI?

Most auto insurance companies can add an SR22 form to your auto insurance policy for a fee of $25 to $50. The insurance company will electronically submit the SR-22 filing to the state. They will also notify the state if it ever cancels.

Can I purchase a bond instead of SR22 insurance?

Yes, the state will accept a surety bond in the amount of $30,000 to $50,000 depending on the violation. Most insurance agents can issue bonds for this purpose.

How long do I need to provide proof of SR-22 insurance?

In most cases you will be required to carry Rhode Island SR22 insurance for a minimum of 3 years but some cases require 5 years.

Rhode Island SR22 Requirements

The state of Rhode Island requires liability insurance to protect other drivers in the event of an accident. The minimum limits are:

  • $25k Per Person Bodily Injury
  • $50k Per Accident Bodily Injury
  • $25k Property Damage

While these limits are minimum they are rarely recommended levels of coverage. Ask your insurance agent what they recommend based on your financial position.

Suspended License Information

Each case is different in Rhode Island and must be handled on a case by case basis. For more information on your specific case contact the Division of Motor Vehicles Operator Control Division at (401) 462-0800. Questions in writing may go to:

RI Division of Motor Vehicles

Operator Control

600 New London Ave

Cranston, RI 02920

Suspended license reinstatement fee schedule:

Suspended  license – $76.50 to $151.50

Suspended license for DUI or refusal to chemical test – $76.50 to $351.50

Suspended registration – $51.50 to $251.50

*A technology surcharge of $1.50 is applied to each reinstatement fee.

Make payments in cash, check or money order to RI Division of Motor Vehicles.

RI Division of Motor Vehicles

Operator Control

600 New London Ave

Cranston, RI 02920

Driving Under the Influence (DUI) in Rhode Island

Driving laws exist to protect the public and one of the most deadly driver related causes is driving under the influence of alcohol and/or drugs. Rhode Island has laws in place to arrest drivers who are over the limit:

  • All drivers with blood alcohol concentration of .08% or higher
  • All drivers under age 21 with blood alcohol concentration of .02% or higher
  • All commercial drivers with blood alcohol concentration of .04% or higher

When a law enforcement officer suspects you of DUI he/she will ask you to submit to a chemical test of your blood, urine or breath. In this test the officer is looking for BAC limits above the state law limit.

What if I refuse to take the chemical test for BAC?

Upon refusal your license will be suspended for 90 days and you may be subject to community service, fines, and drunk driving school or alcohol treatment. You can still be convicted of a DWI if the arresting officer convinces the court you were intoxicated at the time of refusal.

Required to get an Ignition Interlock Device?

The ignition interlock program is designed for those drivers who have been convicted of driving under the influence of alcohol. The IID must be installed in each vehicle you operate and the costs are your responsibility.

Where can I get an ignition interlock device installed in RI?

B.E.S.T Labs, Inc – (877) 237-1541

New England Interlock – (800) 987-8040

Consumer Safety Technology – (877) 777-5020

Smart Start - (800) 880-3394

Cheap Non Owner SR22 RI