Rhode Island motorcycle insurance

What are the minimum requirements for motorcycle insurance in Rhode Island?

Rhode Island motorcycle laws require all riders to carry motorcycle liability coverage for bodily injury and property damage. Liability coverage may pay for injuries and damages you cause to others while riding up to your policy's limits. It's important to note that property damage liability coverage won't cover damage to your own bike. You can increase the amount of liability coverage, if necessary, in order to more fully protect your assets.

Rhode Island also mandates uninsured/underinsured motorist bodily injury coverage, uninsured property damage coverage, and medical payments coverage, but you may reject or lower these coverages by submitting a signed form if you choose not to carry them.

Do you need comprehensive and collision coverage?

If you're financing or leasing your bike, comprehensive motorcycle coverage and collision motorcycle coverage may be required by your lender. If your bike is paid in full, these coverages are optional. But we know many motorcycle owners are continually investing in upgrading their bike and may want to protect those investments from physical damage and loss. Comprehensive may cover damage to your bike from events out of your control: motorcycle theft, vandalism, hitting an animal, fire, and weather-related issues. Collision can cover your motorcycle if it collides with another object or vehicle, regardless of who's at fault.

How much is motorcycle insurance in Rhode Island?

In 2023, the annual cost for a Progressive motorcycle insurance policy in Rhode Island with liability coverage only was $178.41.^* Many factors influence your price for motorcycle insurance, including your age, driving history, location, type of motorcycle, and coverage selection. Learn more about the cost of motorcycle insurance.

What's the best motorcycle insurance in Rhode Island?

One in 3 insured motorcycle riders choose Progressive.^** Whether you ride in Providence, Cranston, or Warwick, the best motorcycle insurance features dependable and personalized coverage at an affordable cost. Progressive offers cheap motorcycle insurance in Rhode Island for bikers that delivers all of the valuable protection you need to ride with peace.

You can decrease the cost of motorcycle insurance in Rhode Island with motorcycle insurance discounts, such as:

• Multi-policy discount
• HRCA discount
• Motorcycle license/endorsement discount
• Safety course discount
• Senior driver discount

Find out more ways to lower the cost of motorcycle insurance.

Additional motorcycle insurance coverages available in Rhode Island

For increased protection, the following optional coverages may be added to your Progressive motorcycle policy:

• Motorcycle accessory coverage: Can pay for damage to the upgrades you've made to your bike and your equipment, such as chrome pieces, electronics, handlebars, and custom paint and wheels
• Medical payments: Can pay for injuries you or your passenger suffer, regardless of fault
• Total loss coverage: May pay for the full value of your bike in the event of a total loss, protecting against depreciation (available only for bikes no more than one model year old on a new policy)
• Carried contents and personal belongings: Can pay to replace any personal effects you're carrying when a covered loss occurs, including theft
• Enhanced injury protection: May pay as much as $250 a week for two years if you can't work due to injuries sustained during a crash
• Roadside assistance: Covers the cost of towing your bike to the nearest repair shop

Learn more about motorcycle insurance coverages.

Quick facts for riding in Rhode Island

1. Rhode Island motorcycle laws state that all motorcycle passengers and operators who have had a motorcycle license for less than a year are required to wear a helmet while riding.
2. To legally operate a motorcycle, Rhode Island requires a motorcycle license or endorsement and the completion of a state-approved motorcycle safety course.
3. If you're new to Rhode Island and hold a motorcycle license or endorsement from another state, your endorsement will transfer when applying for your Rhode Island driver's license.

Get Rhode Island motorcycle insurance