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Comprehensive Local Motorcycle Insurance Guide

Rhode Island Motorcycle Insurance

Motorcycle Registrations in RI

^ There are 33,078 registered motorcycles in Rhode Island, the 45th highest number in the nation. [1]

Motorcycle Insurance in RI by City

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Motorcycle Insurance Providers in Rhode Island

RI Motorcycle Insurance

RI Motorcycle Insurance in Rhode Island

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

Required Motorcycle Insurance Coverage in Rhode Island

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 Insurance Laws & Regulations in Rhode Island

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 Regulations in Rhode Island
  • 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).

Rider & Driver Facts in Rhode Island

Rider & Driver Facts in Rhode Island

Rhode Island Motorcycle Registrations

  • Registered Riders in RI [1]
    • In 2012, Rhode Island totaled 33,078 motorcycles registrations.
    • This number ranks 45th in the United States by state (including Washington, D.C.).
    • Note: RI ranked 46th in the nation in total auto registrations (all vehicle types) in 2011.

Rhode Island Highway Facts

  • Speed Limits in RI [3]
    • Rural interstates: 65 mph
    • Urban interstates: 55 mph
    • Other roads: 55 mph
  • Consumption of Motor Fuel in RI [5]
    • Rhode Island ranked 48th in the U.S. in 2011 in total motor fuel consumption.

Rhode Island Accident Reporting Regulations

  • Accident Reporting in RI [4]
    • Crashes are required to be reported in case of death, injury, or when property damage is in excess of $1,000.
    • The deadline to file a report is 21 days.

Rhode Island Demographics

Age Breakdown in Rhode Island

Approximately 78% residents in RI are 20 and older, while 18% are between ages 5 and 19, and 4% are under the age of 5. [6]


Household Income: Rhode Island vs. U.S.

The median household income in the state of Rhode Island is $59,890, which is about 3 percent more than the median income for the United States overall of $58,283. [6]


Income Breakdown in Rhode Island

About 14% of households in RI have incomes below the poverty level. Below is the complete income breakdown for the state. [6]


Additional information about Rhode Island

About Rhode Island

Rhode Island as a whole has an approximate population of 1,052,567, which ranks 45th in the nation. [6]

RI Motorcycle Insurance

RI Motorcycle Insurance

To learn more about Motorcycle Insurance in Rhode Island, or for additional resources related to Rhode Island Motorcycle Insurance, visit the Rhode Island Department of Insurance.

Did you know?

The number of miles you typically ride per a year and where you store your bike can directly affect your motorcycle insurance rates.

Rhode Island Cities

References

1. ^ Federal Highway Administration

2. ^ Property Casualty Insurers Association of America (PCIAA)

3. ^ Insurance Institute for Highway Safety (IIHS)

4. ^ AAA Digest of Motor Laws and/or Rhode Island DOT

5. ^ U.S. Department of Transportation

6. ^ United States Census Bureau (2010)