Auto Insurance in Rhode Island

From the highways of Warwick to the coastal roads of Narragansett, Rhode Island drivers need more than the bare minimum. At F&T Insurance Agency, we provide Rhode Island auto insurance that’s built for real-world risks—coverage that’s clear, cost-effective, and backed by local expertise.

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Built for Ocean State Roads

Auto Insurance That Stays in Step

Whether you’re commuting to Providence or road-tripping through South County, we help you find car insurance RI drivers count on for protection and peace of mind. We’ll walk you through your coverage, compare auto insurance quotes Rhode Island providers offer, and help you choose what actually works for you—not just what’s required.

Collision & Comprehensive

From fender benders in downtown Newport to storm damage in Westerly, our policies protect your vehicle from everyday threats and unexpected setbacks.

Liability Coverage

Our car insurance RI options include liability coverage to protect you from the financial fallout of property damage or injuries you may cause.

Uninsured Motorist Protection

If you're hit by an underinsured or uninsured driver, we help cover your losses—so you're not left exposed.

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Questions We Hear in RI

  • What’s required for auto insurance in Rhode Island?

    The state requires liability coverage, but we recommend additional protection like collision, comprehensive, and uninsured motorist coverage for full peace of mind.

  • Does RI have no-fault insurance?

    No. Rhode Island is an at-fault state. That’s why choosing the right liability limits is so important—we’ll help guide you through it.

  • Can I save money by bundling?

    Yes. We often help clients save by combining home and auto insurance into one simplified, cost-effective plan.

  • Do I need special insurance for coastal areas?

    We’ll help you evaluate risk and adjust your coverage if you live near saltwater, where corrosion and weather damage are more common.

  • How do I compare quotes in Rhode Island?

    We provide personalized auto insurance quotes Rhode Island drivers can actually understand—without pressure or confusion.

Local Experts, Personal Support

Let’s Insure Your Rhode Island Vehicle

At F&T Insurance Agency, you’re more than a policy number. Whether you're filing a claim or just asking a question, we’re here to help—personally, clearly, and consistently.

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