Insurance Requirements for Garaged Vehicles in Rhode Island
A common question among Rhode Islanders who winter in Florida concerns the insurance requirements for their garaged vehicles back home. According to Chuck Hollis, assistant administrator of the Rhode Island Division of Motor Vehicles, vehicles that are not being driven for an extended period still require some form of insurance coverage to maintain registration.
Key Insurance Requirements
- Liability insurance is mandatory when the vehicle is in use.
- For vehicles garaged for an extended period, comprehensive or storage insurance is required to maintain registration.
- The Rhode Island DMV website provides information on the Insurance Verification Program under the “Adjudication & Suspensions” tab.
Consequences of Not Maintaining Insurance
If insurance information is not reported or if there’s no liability insurance recorded for a garaged vehicle, a registration revocation notice may be issued. In such cases, proof of insurance must be provided to the DMV, and a fine of $252.50 applies for insurance revocation.
Payment and Reinstatement
- Payments for insurance revocation fines can be made in person at the Cranston DMV with prior reservation.
- There’s also an online payment option available through the “Insurance Revocation Reinstatement” link under the “Online Services” tab on the DMV website.
For specific questions or concerns, residents can email [email protected] with “Ask the DMV” in the subject line.
