Rhode Island Motorcycle Insurance

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Title 27 of the Rhode Island General Laws establishes that all motorists licensed in the state must have motorist insurance at all times, which includes motorcycle insurance whenever riding. Additionally, Rhode Island is an ”at fault” insurance state. That means you are liable for all damages that occur as a result of an accident if you are found to be at fault. If you do not have sufficient coverage in place, you will face a license suspension, possible jail time, and can be sued for all damages.

To help you understand Rhode Island’s motorcycle insurance issues, let’s have a look at how the state defines a motorcycle for law enforcement and insurance purposes, some of the required equipment to make your bike street legal, as well as the coverage levels and types you may need to be fully protected.

Rhode Island Motorcycle Insurance Laws and Requirements

The Rhode Island General Assembly has established the minimum motorcycle insurance coverage amounts to be:

  • $25,000 for death or bodily injury to one person
  • $50,000 for death or bodily injury to two or more persons
  • $25,000 for damage or destruction of property

The minimum coverages in Rhode Island seem quite adequate, but an accident that results in a serious injury could quickly exceed those limits. If you are at fault and your policy falls short, you could be responsible for all additional costs, potentially draining your life savings. Even if you are not at fault, but the at fault motorist is uninsured, the minimum coverages may not be sufficient.

Recommended Protections for RH Riders

The minimum coverages required in Rhode Island are reasonably high, but they may not be enough to fully protect you, a passenger, and your bike. That is why you should always carry additional coverage. If there is a lien against your bike, your lender will require better coverage as a condition of the loan. Even if you own your bike free and clear, you should still consider having additional coverages in place to protect your life savings. Some policy types that you should consider are:

  • Collision coverage: this protects your bike in an accident under nearly every circumstance. It may or may not include uninsured/under-insured coverage. If it doesn’t, take care to add it.
  • Uninsured/Under-insured motorist coverage: at any given time 17 percent of the motorists in Rhode Island are uninsured. That is one of the highest rates in the country, so you can understand the need for this type of coverage. The under-insured aspect of the policy protects you in case the other driver is from a state with lower minimum requirements or the injuries exceed the policy caps of an at fault motorist.
  • Comprehensive coverage: this protection covers items like fire, wind, water, theft, and vandalism.
  • Bodily injury coverage: this protection covers certain costs if you injure or kill someone in an at-fault accident. It also protects your passenger.
  • Medical payment coverage: this covers items such as prescription drug payments; dental care; medical co-payments and deductibles from other health coverage policies; home nursing care, or funeral expenses.

Rhode Island Motorcycle Insurance Quotes

The cost of your motorcycle insurance policy will be based on a whole slew of factors. The only way to gain an accurate idea of the true cost is to request quotes from various insurers. Fortunately, we can help. All you have to do is enter your rider and motorcycle information and you will receive several quotes from reliable companies like Progressive, Geico, Dairyland, and more. Enter your zip code to get started.

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What is Considered a Motorcycle in Rhode Island?

To many, defining a motorcycle seems a like waste of time, but every state is required to do so for law enforcement and insurance purposes. According to Title 31-1-3 of the General Laws of Rhode Island, a motorcycle is:

”Any motor vehicle having a seat or saddle for the use of the rider and designed to travel with no more than three wheels in contact with the ground with an engine that produces 5 bhp or more, and has piston displacement larger than 50 cc.”

RI Street-Legal Motorcycle Equipment

Rhode Island is a very fascinating state to ride in. On one hand you have the congested streets of Providence, on the other you have the beauty of the Atlantic coast. Whether you are competing with congested traffic or riding in the salty air, your bike needs to be street legal at all times. In the Ocean State, the equipment you and your bike must have includes:

  • Eye protection: required for all riders.
  • Handlebar height: no more than 15 inches above the seat.
  • Helmet: required for all riders under the age of 21 and for all passengers regardless of age.
  • Mirrors: one required.
  • Turn Signals: not required.
  • Passenger Seat and Passenger Footrests: required if carrying a passenger. No restrictions on a passenger’s age.
  • Headlight: required, a modulating daytime headlight is approved.
  • Muffler: required, cutouts prohibited. Acoustical limits include: Max A-weighted sound level measured at 50 feet: 86dBA at 35 mph or less; 90dBA above 35 mph.
  • Safety Inspection: periodic inspections required.