SR-22 in Rhode Island: What You Need to Know

An SR-22 insurance form isn’t required in Rhode Island, but you will likely face a hike in premium costs after you commit a serious moving violation.
Written by Tom Hindle
Reviewed by Kathleen Flear
In Rhode Island, you don’t need an SR-22 certificate to prove you meet the state’s minimum liability insurance requirements following a serious driving violation.
Unfortunately, though, you will have a little more difficulty in getting an insurer to cover you—and higher
Rhode Island car insurance costs
are a near certainty, too.
But you don’t need to worry too much. It’s still possible to find a good deal on
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Read on to learn about insuring high-risk drivers in Rhode Island.

SR-22 coverage in Rhode Island

In Rhode Island, SR-22 insurance is not required—in most states, an SR-22 form is filed by your insurer following a major driving violation, proving you carry financial responsibility for a minimum level of liability insurance.
However, if you move to a different state that requires an SR-22 after a major driving violation, you’ll need to file for one there, with an insurer in that state.
Still, in most states, you’re going to need minimum liability insurance. In Rhode Island, that means:
You need to prove to Rhode Island’s DMV that you have that minimum coverage before you can hit the road.
Key Takeaway SR-22 coverage isn't required in Rhode Island. However, if you move to a new state, you might need to get SR-22 insurance through a provider in the state you move to.
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Who needs SR-22 in Rhode Island?

You won’t need an SR-22 in Rhode Island if you commit a serious moving violation. Instead, you can expect to pay significant fines, see your license suspended, or, in the worst case, serve jail time.
The following offenses could see you pick up that kind of punishment:
  • Reckless driving
  • Driving under the influence (DUI) of drugs or alcohol
  • Not carrying adequate car insurance
  • Repeated traffic violations over a 12 month period
  • Driving with a suspended license
  • Being at fault for numerous major collisions
Other violations can lead to suspension, too. It’s at the discretion of the state.

Moving to a state requiring an SR-22

If you’ve been convicted of a major moving violation in Rhode Island, but move to a state that requires SR-22 insurance, you will need to buy coverage.
If that’s the case, you should find a new insurer in your new state of residence that will file an SR-22 for you. Rhode Island insurers won’t take up that task.
Try the Jerry app to find the best one for you!
Key Takeaway If you move to a new state that requires an SR-22 form, you should find a new insurer who will file it for you.

How a license suspension impacts your insurance in Rhode Island

If your license has been revoked or suspended in Rhode Island, your insurance premiums might skyrocket. Drivers in Rhode Island with a DUI conviction, for example, pay around 80% more on their premiums than drivers with a clean record.
There is good news, though. If you maintain a clean driving record, and don’t pick up any demerit points, your insurance rates will decrease. That won’t happen overnight, though, so make sure you’re extra vigilant and careful on the road.
Key Takeaway After your license has been reinstated, be prepared to pay higher rates on your car insurance.
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