Rhode Island Bans Auto Insurance Rate Hikes for Policy Inquiries
Rhode Island has enacted a new law effective January 1, 2026, prohibiting auto insurers from increasing premiums solely because a policyholder inquires about their coverage. This legislation aims to protect drivers from surcharges or penalties tied exclusively to asking questions about their insurance policies. It complements existing Rhode Island auto insurance consumer protections that restrict surcharges based on fault percentage, claim amounts, and driver age with a clean record.