Rhode Island Motorcycle Insurance

Motorcycle Insurance Coverage Requirements in Rhode Island

• Minimum Liability Limits in RI: 25/50/25 ^[2]
• • 25  Required coverage up to $25,000 for one individual injured in an accident
  • 50  Required coverage up to $50,000 for all persons injured in an accident
  • 25  Required coverage up to $25,000 for property damage in an accident
  • Note: Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy.

• Insurer Verification of Insurance in RI ^[2]
• • Insurer must verify randomly selected insurance policies upon request.

Rhode Island Motorcycle Insurance Liability Requirements

Mandatory motorcycle insurance coverage for riders in the state of Rhode Island.

• Motorcycle Insurance Requirements in RI ^[2]
• • Bodily injury liability coverage
  • Property damage liability coverage

Motorcycle Helmet Laws in Rhode Island

• • Motorcycle helmets required for 20 and younger. ^[3]

Motorcycle License Regulations in Rhode Island ^[4]

Detailed information about Rhode Island laws and regulations regarding obtaining and maintaining a motorcycle license in the state.

• Motorcycle License Laws in RI
• • No person shall be licensed to operate a motorcycle or motor scooter unless he or she is at least 16 years of age, or unless the person previously has been issued a full operator's license and a motorcycle learner's permit or is already licensed under a prior act of this state.
  • All applicants for a motorcycle or motor scooter license must successfully complete a motorcycle rider safety class, and pass written, vision, road sign, and road tests.
  • A motorcycle learner's permit may be issued to a person who is at least 16 years old but less than 18 years old and has a limited provisional or full operator's license or is at least 18 years old and has a license.
  • If the holder of the permit has a limited provisional license, the motorcycle may be driven only at times when the holder could drive a motor vehicle without supervision. The permit expires 18 months after issuance.

Motorcycle Equipment Laws in Rhode Island ^[4]

Various regulations and laws in Rhode Island regarding riders and passengers of motorcycles, as well as the equipment used on bikes.

• Motorcycle Equipment Laws in RI
• • Any operator under 21 years of age, and any passenger of any age, must wear a helmet.
  • Drivers of motorcycles or motor scooters are required to use eye protection when operating the vehicle.
  • Any passenger on a motorcycle or motor scooter must be in a sidecar or have a separate rear seat, a separate footrest, an appropriate handlebar or grip for his or her use, and a helmet. A passenger under 12 years of age must have a properly secured backrest or equivalent unless seated in a sidecar.
  • Handlebars are not permitted more than 15 inches in height above the seat.
  • Motorcycles must have at least 1 to 2 headlamps and at least 1 red reflector on the rear (either as part of the tail lamps or separately).