Almost every state (except New Hampshire and Virginia) 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.

The cost of insurance is affected by many factors, including the driver’s driving record. A single speeding ticket can increase your insurance rates by as much as 25-30%, and more serious offenses such as DUI/DWI, street racing, or hit-and-run can increase the cost of your insurance by 75% or more.

A driver who has received a ticket or citation for a criminal offense or traffic violation with the potential to increase their insurance rates may want to consult with a lawyer who has relevant experience and expertise.

In Rhode Island, as in most states, drivers are required to carry a minimum amount of auto insurance. This typically includes bodily injury liability coverage, which covers injury to others in an accident that is the driver's fault, and property damage liability coverage, which pays for damage to another person's property. The minimum coverage amounts in Rhode Island are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. The cost of auto insurance in Rhode Island can be influenced by various factors, including the driver's record. Traffic violations such as speeding can result in a 25-30% increase in insurance premiums, while more severe infractions like DUI/DWI or hit-and-run may lead to increases of 75% or more. Drivers in Rhode Island who have received a ticket or citation and are concerned about the impact on their insurance rates may benefit from consulting with an attorney who specializes in traffic violations and insurance law to explore their options and potentially mitigate the consequences.