State risk profile
Rhode Island
AutoRiskIQ explains the location-level forces that influence auto insurance pressure across Rhode Island. Scores are informational and focus on relative risk, not individual outcomes.
Score status
60
/ 100
Percentile-based relative to national average.
Updated 2025-12-30.
Risk scale
Relative risk pressure levels used across AutoRiskIQ.
Risk readiness
Core risk signals for Rhode Island
Accident & Exposure Risk
Crash frequency, severity, and traffic density exposure relative to national patterns.
Weather & Environmental Risk
Severe weather exposure is near the national midpoint based on FEMA hazard signals.
Cost & Repair Pressure
Repair cost levels are near the national midpoint, with inflation pressure above the national distribution.
Claim Friction & Legal Context
Claim friction signals show complaint frequency is above the national distribution, complaint severity is above the national distribution, litigation environment is near the national midpoint.
Theft & Fraud Exposure
Vehicle theft rates are below the national distribution.
Market Structure Context
Market structure signals show rate filing activity is below the national distribution, market concentration is above the national distribution.
Live traffic context
Active incident feeds in Rhode Island
State DOT 511 feeds offer a near-term view of disruptions that can raise short-term claim and repair pressure.
Counts reflect active incidents reported by public traffic systems, not a full crash census.
Risk spotlight
Claim Friction & Legal Context in Rhode Island
We highlight the highest-pressure risk signal in Rhode Island and show the public inputs that drive the score.
76
/ 100
Claim friction signals show complaint frequency is above the national distribution, complaint severity is above the national distribution, litigation environment is near the national midpoint.
Complaint frequency (normalized)
Complaints per premium volume normalized by market share.
Sources: NAIC Consumer Complaint Database
Complaint type severity
Claims handling, delays, settlement disputes, coverage interpretation.
Sources: NAIC, State DOI
Regulatory enforcement intensity
Market conduct exams and claims-handling enforcement.
Sources: State DOI enforcement actions
Litigation environment
Dispute escalation likelihood and settlement pressure.
Sources: State court statistics, Tort reform status
Market stress indicators
Claim severity, fraud, and repair dispute signals in filings.
Sources: SERFF, Rate filing justifications
Premium pressure context
How premiums compare with risk in Rhode Island
This context index uses public NAIC average premium data to show how pricing pressure compares with the risk baseline. It is not a quote or a recommendation.
88
/ 100
Average combined premium: $1,710
Premium pressure sits above the current risk baseline, which can reflect market, regulatory, or timing effects.
Why this can happen
- Rate adjustments can lag current loss experience and risk shifts.
- Market structure and competition can push premiums above or below modeled risk.
- Repair costs, litigation pressure, or catastrophe load can amplify pricing beyond baseline risk signals.
State context
Data-backed context for Rhode Island
This section summarizes the strongest public signals behind the state score, highlights trend direction, and flags shifts in claim friction and repair pressure.
Leading signals
Claim Friction & Legal Context
Claim friction signals show complaint frequency is above the national distribution, complaint severity is above the national distribution, litigation environment is near the national midpoint.
Weather & Environmental Risk
Severe weather exposure is near the national midpoint based on FEMA hazard signals.
Cost & Repair Pressure
Repair cost levels are near the national midpoint, with inflation pressure above the national distribution.