Rhode Island Golf Cart Insurance (2026)

Rhode Island requires liability insurance for all motor vehicles operated on public roads, including low-speed vehicles (LSVs). The state minimum liability coverage is 25/50/25, and proof of insurance is required for vehicle registration.

Despite being the smallest state, Rhode Island has a variety of coastal and resort communities where golf carts are used, particularly in towns like Narragansett, Block Island, and various beach areas. Block Island, accessible only by ferry, is a notable golf cart destination where carts are a popular mode of transportation for visitors and residents.

Rhode Island's insurance costs are somewhat above the national average due to the state's dense population and urban character. Amica Mutual, headquartered in Lincoln, Rhode Island, is a highly rated regional carrier that offers competitive rates. The state's small size means that most areas are relatively urban or suburban, which can affect insurance pricing.

• Amica Mutual Headquarters: Amica is based in Rhode Island and is consistently rated among the best insurance companies in the nation for customer service.
• Block Island: A popular golf cart destination accessible by ferry, where carts are a primary form of tourist transportation.
• Dense Population: Rhode Island's high population density can drive up insurance costs compared to more rural states.
• Coastal Communities: Narragansett, Westerly, and other coastal towns see seasonal golf cart use.
• Above-Average Costs: Rhode Island insurance rates are somewhat above the national average.