Welcome to the home page of the Rhode Island Automobile Insurance Plan.

The Rhode Island Automobile Insurance Plan (RIAIP or the "Plan") was established pursuant to Chapter 3002 Public Laws of 1952 and Chapter 31-33-8 of the R.I. General Laws to provide auto liability and physical damage coverages to those insureds who are unable to obtain such auto insurance in the voluntary market.   All insurers writing automobile insurance in Rhode Island must participate in the RIAIP by providing such insurance.

All producers holding a valid license to transact automobile insurance business in Rhode Island  must be certified by the Governing Committee in accordance with standards and procedures approved by the Superintendent of Insurance prior to submitting applications to the Plan.

Applicants must declare and certify that they have tried and failed to obtain automobile insurance in Rhode Island within the preceding 60 days and have been unable to obtain such insurance at rates not exceeding those applicable under the Plan.

Personal automobile insurance is processed and maintained through the Rhode Island Service Center. Commercial automobile insurance is initially reviewed through the Rhode Island Service Center then assigned and maintained by a commercial servicing carrier.