If you own a moped in Rhode Island (RI), you must have insurance to ride legally. The insurance rate for moped in RI 2024 rates depends on multiple factors, including coverage type and rider history.
How Much Does Moped Insurance Cost in RI?
On average, moped insurance in Rhode Island costs between $100 to $500 per year. However, rates vary based on:
- Rider’s Age – Younger riders pay more.
- Coverage Type – Comprehensive coverage costs more than liability-only plans.
- Driving Record – A clean record means lower premiums.
Types of Moped Insurance Coverage
- Liability Insurance – Covers damage to others but not your moped.
- Comprehensive Insurance – Covers theft, vandalism, and weather damage.
- Collision Insurance – Covers damages from accidents.
How to Get the Best Moped Insurance Rates?
- Compare quotes from different insurers.
- Maintain a clean driving record.
- Choose a higher deductible to lower monthly payments.
- Check for discounts like bundling policies.
FAQs
1. Is moped insurance required in Rhode Island?
Yes, liability insurance is mandatory.
2. Can I get moped insurance with a learner’s permit?
Yes, but rates may be higher.
3. Is moped insurance cheaper than motorcycle insurance?
Yes, mopeds have lower insurance costs due to lower risk.
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