How much car insurance do I need for an old vehicle in Rhode Island?

"I'm 25 years old and drive a 20-year-old car. I was previously on my dad's policy. He had high limits of $100,000/$300,000.

Do I need that much coverage on my own policy? I can't spend a lot on insurance. "

Answer
“In Rhode Island, the minimum car insurance required is $25,000/$50,000 for bodily injury. This means that you only have to have this much coverage to legally drive on the road.
If you can’t spend a lot of money on insurance, you may need to stick with the minimum coverage auto insurance for the time being. Once you are able to afford more, you can raise your coverage.
WIth that being said, it’s usually recommended that every driver carry higher limits than the state minimums. If you can afford to raise your coverage limits, you should.
The best thing for you to do is to look at a variety of car insurance carriers. You can request car insurance quotes online to determine what level of coverage you can afford with each carrier.
If you’d rather leave the hard work of gathering quotes to someone else, use Jerry. This free app can collect quotes from up to 45 top insurance companies in seconds!
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Emily Maracle
Answered on May 17, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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