Rhode Island insurance laws
Insurance regulations, rate filing requirements, department info, and recent bulletins for Rhode Island. Updated Aug 11, 2026.
Rhode Island DOI page content changed
Rhode Island DOI Website · Aug 11, 2026
Department of Insurance
The Rhode Island Insurance Division oversees the regulation of insurance companies, ensuring compliance with state laws and protecting consumer interests. The division conducts financial examinations and market conduct examinations to maintain a robust insurance marketplace.
Auto Insurance
Notable Laws
- UM/UIM coverage required unless rejected in writing (R.I. Gen. Laws § 27-7-2.1; 230-RICR-20-05-1)
- Rental vehicle coverage must be provided for at least 7 days after total loss payment (2023 H6027/S1106)
- OEM parts required for vehicles 48-72 months old with owner consent (2024 H7264/S2440)
- Direction to pay required for licensed auto body shops and restoration companies (2024 H7507/S2681)
- Total loss threshold set at 75-80% at consumer's election (2025 H6053/S902)
- R.I. Gen. Laws § 27-2.4-14.1 (Electronic Producer Appointments)
- R.I. Gen. Laws § 27-9.1 (Unfair Claims Settlement Practices)
- R.I. Gen. Laws § 27-1-46 (Data Security Requirements)
- R.I. Gen. Laws § 27-2-29 (Information Security Program)
- R.I. Gen. Laws § 27-71-14 (Annual Legislative Changes Notification)
Homeowners Insurance
Notable Laws
- Windstorm deductibles capped at 5% for residential property (R.I. Gen. Laws § 27-76-2; 230-RICR-20-05-13)
- Aerial imagery must be clear, current, and accurate; cannot be used for cosmetic issues (2025 Bulletin 2025-3)
- Condominium unit owner policy is primary for losses not covered by association policy due to deductible (2022 H7526/S2786)
- Fire scene solicitation by adjusters and contractors prohibited until property released to owners (2022 H7976/S3030)
- Credit scoring allowed but regulated under property and casualty insurance rating laws
- R.I. Gen. Laws § 27-8.1 (Homeowners Insurance Coverage)
- R.I. Gen. Laws § 27-8.2 (Fair Plan Coverage)
- R.I. Gen. Laws § 27-8.3 (Flood Insurance Requirements)
- R.I. Gen. Laws § 27-8.4 (Earthquake Insurance Options)
Recent Bulletins
2025 Legislative Changes
Summary of legislative amendments enacted during the 2025 session of the Rhode Island General Assembly.
View bulletinAerial Imagery Used by Homeowners Insurers
Guidance on the use of aerial imagery in homeowners insurance.
View bulletinImplementation of Insurance Data Security Statute
Details on the implementation of the NAIC Insurance Data Security Model Law effective January 1, 2025.
View bulletin2024 Legislative Changes
Summary of legislative amendments enacted during the 2024 session of the Rhode Island General Assembly.
View bulletinVehicle History Used in Private Passenger Automobile Insurance Rating
Guidance on the use of vehicle history in auto insurance rating.
View bulletinRecent Law Changes
Voluntary Restructuring of Solvent Insurers
Adopts NAIC model law for cybersecurity insurance, increases covered first-party property claim limit to $1 million for insolvencies after January 1, 2026, and removes insurance business transfer prohibition.
Pet Insurance Act
Adopts the NAIC Pet Insurance Model Act to standardize definitions and policy provisions, and establishes training requirements for insurance producers marketing pet insurance.
Total Loss Threshold and Auto Body Repair Compensation
Amends total loss threshold from 75% to a range of 75-80% at consumer's election and expands compensation requirements for autobody repairers to include OEM and paint manufacturer recommended procedures.
Prior Authorization Pilot Program
Implements three-year pilot program prohibiting insurers from requiring prior authorization for services (except prescription drugs) ordered by in-network primary care providers.
Insurance Data Security Act
Adopts main provisions of NAIC Insurance Data Security Model Law requiring insurers to implement data security programs, enhances examination authority, and establishes cybersecurity event investigation and notification requirements.
Health Insurance
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