Rhode Island is the 7th most expensive state in the country for purchasing auto insurance, with an average expenditure of $1,038 in 2006, according to the National Association of Insurance Commissioners. You are not required to buy Uninsured Motorist (UM) coverage if you choose to buy the minimum limits of liability coverage, however passing on UM coverage may not be wise: It's estimated that as of 2007, 14% of the state's drivers were uninsured. For more information on Rhode Island coverage requirements, contact the Rhode Island Division of Insurance Regulation (http://www.dbr.state.ri.us/divisions/insurance/).
