Almost every state requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

You are required to show proof of the minimum insurance coverage to a police officer when you are stopped for a moving traffic violation or involved in a traffic accident—and you may receive a citation if you are not able to show proof of insurance. And in some states you are required to show proof of insurance to register your car. In those states, the failure to register your car may result in an additional citation.

In Rhode Island (RI), as in most states, drivers are legally required to carry a minimum amount of auto insurance. The state mandates that drivers have bodily injury liability coverage with minimum limits of $25,000 per person and $50,000 per accident, as well as property damage liability coverage with a minimum limit of $25,000. This is often referred to as 25/50/25 coverage. Rhode Island law requires drivers to provide proof of insurance when stopped by a police officer for a traffic violation or when involved in an accident. Failure to provide this proof can result in a citation. Additionally, Rhode Island requires proof of insurance in order to register a vehicle. Driving an unregistered vehicle, or failing to maintain the required insurance, can lead to additional penalties, including fines and the potential suspension of driving privileges.