Driving in Rhode Island means navigating coastal weather, busy city traffic, and specific state insurance requirements. That’s why having the right Rhode Island Personal Auto Insurance matters. At Segreve & Hall, we help you secure coverage that fits your lifestyle, budget, and legal obligations. From minor fender benders to major collisions, we’ll keep you protected so you can drive with confidence.
Rhode Island Personal Auto Insurance That Protects You on Every Mile
Trusted by Businesses for 30+ years 
Customized Rhode Island Auto Coverage for Peace of Mind
Insurance that matches your vehicle, driving habits, and budget
Your car isn’t just transportation—it’s freedom. Our Rhode Island Personal Auto Insurance policies are tailored to suit your specific needs. Whether you drive a family SUV through Providence traffic or a classic car along the coast, we help you choose:
- Liability coverage to meet Rhode Island’s minimums (25/50/25)
- Collision and comprehensive protection
- Uninsured/underinsured motorist (UM/UIM) coverage
- Add-ons like roadside assistance and rental reimbursement
Rhode Island has one of the highest rates of uninsured drivers in the U.S. (~16.5%), making UM/UIM coverage a smart addition to your policy.
Stay Compliant With Rhode Island Auto Laws
Meet state requirements and avoid legal or financial penalties
Rhode Island law requires drivers to carry the following minimum coverage:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage liability
As a fault-based state, Rhode Island holds at-fault drivers responsible for damages. Carrying only the minimum may satisfy the law, but it likely won’t fully protect you in the event of a major accident. Segreve & Hall helps ensure your policy meets state mandates while offering enough coverage to shield your assets.
Local Experts for Local Drivers
Support from agents who understand Rhode Island roads
Whether you’re navigating snowy backroads in Exeter or city traffic in Providence, local driving conditions vary widely across the state. Our team provides guidance on coverage, quick claims handling, and opportunities to save—like bundling home and auto policies or earning discounts for good driving. With Segreve & Hall, you get more than a policy—you get a partner on the road.
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From Our Clients
I’ve had an excellent experience working with Michael Brandolini as my auto insurance agent. He is always professional, responsive, and genuinely cares about helping his clients find the best coverage. Michael takes the time to explain details clearly and makes the whole process smooth and stress-free. I really appreciate his reliability and dedication, and I would highly recommend him to anyone looking for a trustworthy insurance agent.
Segregated & Hall Insurance were so helpful, especially Michael Brandolini, in finding my family new home and auto insurance. We have two teen drivers and were quoted a crazy rate. Michael reviewed our policies and saved us an incredible amount of money per year! I am very happy with their service!
My experience working with Segreve & Hall has been great. I recently purchased a car and while at dealership the salesperson said that we just had to wait for my insurence company to respond to finish the deal as he faxed the paperwork and it may take awhile. Few minutes later he responded saying wow that was the fastest ever getting information back. Thanks to Paulo Botelho and his speedy service I was in and out of the dealership in no time and the salesperson was also impressed!!
I had the pleasure of working with Michael Brandolini at Segreve & Hall insurance associates, and I can’t recommend them enough. They are extremely knowledgeable about insurance policies, regulations, and procedures, and they make even the most complex details easy to understand. Their professionalism and attention to detail gave me full confidence that I was making the best decisions for my needs.What stood out most was their ability to listen carefully, explain options clearly, and guide me through the entire process without ever feeling rushed or pressured. They were always quick to respond to my questions and went above and beyond to make sure everything was handled correctly and efficiently.If you’re looking for someone who is dependable, trustworthy, and truly has your best interest at heart, Michael Brandolini at Segreve & Hall is the person you want on your side.
I was put into contact with Segreve & Hall by the dealer I got my car from. Paulo has been excellent in helping me understand how everything works and making sure my car payments go through smoothly with no issues. Thank you for all your thoroughness and checking in on me to make sure everything is going okay! I appreciate you all so much. Highly recommend!!!
Michael Brandolini is a wonderful insurance agent and one of the best I have ever worked with! He is always incredibly responsive, no matter the time or day, and consistently goes above and beyond to provide the information I need quickly and clearly. Michael makes the whole process easy and stress-free, and I always feel confident knowing he has my best interests in mind. Highly recommend him to anyone looking for exceptional service and peace of mind.
The main reason I am giving 5 stars is because of Michael Brandolini’s amazing service. He is always very responsive, prompt and made sure I understood my policy in depth. He is a great addition to your company and I’m very grateful to have made this switch earlier this year. Grateful to have a smooth easy process with something that is very stressful for us all. Thank you to the company & Michael
Michael Brandolini was incredibly helpful! We had some last-minute changes for both my rental property and my new home, and he handled everything quickly and seamlessly. Excellent service and truly a pleasure to work with. Will be continuing to use this team for my future needs. 10/10 would recommend.
We were with another Insurance Agency for 30 years plus and our agent retired (a friend). No complicated policies, Family of 5 for home and auto insurance. It grew more and more difficult to deal with them, and often had to ask 3-4 times for info or policy adjustments. A friend recommended Segreve and Hall and we are glad that they did!!. Along with saving us thousands of dollars for the same policies , the service is fantastic. Any inquiry I send over via email, I have the answer within hours. A phone call has everything addressed without waiting for a call back. For us, appreciation for a customer and respect for their time means lot.!
M. Brandolini was excellent to work with. He gave my family members and myself excellent quotes.He took care of the transition from our old company to Segreve and Hall.I would highly recommend.
Outstanding service from start to finish. Brian Segreve has been a tremendous asset to my trucking company, securing commercial insurance coverage at a competitive rate. The team at Segreve & Hall is lightning-fast in responding to questions and COI requests, and their professionalism gives me complete confidence. I couldn’t be happier with the service they provide.
It was a pleasure working with my agent Finn Collins. I recently switched my Auto and Home/Umbrella Insurance over and he made the transition smooth and seamless. He was fast with the quotes and very responsive in getting the new policies set up.
I had a fantastic experience working with the Segreve & Hall team. As I was preparing for an interstate move, Paulo Botelho and the rest of the team were all incredibly helpful in quoting and starting new auto and renters policies. They went above and beyond to make this step of the moving process smooth and seamless. I'm very happy with the policies/prices we landed on, and I cannot recommend the team highly enough!
I worked with Paulo Botelho of Segreve & Hall on obtaining insurance for a new seasonal residence in Maine. Paul was very knowledgeable, efficient, very easy to work with and I was able to quickly obtain excellent coverage at a premium much lower than I expected. I highly recommend Paulo and his firm.
I worked with Hunter and Adam on getting health insurance last minute. I was unaware I’d lose coverage when I turned 26 and was desperate for help. They made the process simple for me and I had no gap in coverage. I look forward to working with them in the future for my other insurance needs.
Great communication from them. Always answer all my questions promptly and are great to work with.
I had an exceptional experience working with Hunter and his amazing team, Adam and Michael. From the very first consultation, Hunter took the time to thoroughly understand my needs and explained all my options with clarity and patience. His professionalism, expertise, and genuine care made the entire process smooth and stress-free.Thanks to Hunter and his team, I now have a comprehensive life insurance plan that gives me peace of mind for the future. I highly recommend them to anyone seeking trustworthy, knowledgeable, and caring insurance professionals. Five stars.
Paulo is so very helpful with everything we have needed so far. He even had to re-route our policy from an old address and did that without a problem. Very smooth transition from our former agency. Thank you Paulo!
I was looking for both flood and homeowner's insurance for my first home with my fiance, and a client connected me with Michael Segreve. I worked with Michael Brandolini to get both homeowner's insurance and and flood insurance, as well as a new auto policy. Michael was extremely helpful and prompt, and a great communicator. I strongly recommend Segreve and Hall, specifically Michael Brandolini for insurance needs!
Great staff , Communication on point, Very helpfulHighly recommend this agents.
Frequently asked questions
Is auto insurance required in Rhode Island?
Yes. All Rhode Island drivers must carry minimum liability insurance (25/50/25). Driving without insurance can result in fines, license suspension, and registration revocation.
Does Rhode Island require uninsured motorist coverage?
Yes. Rhode Island requires drivers to carry uninsured and underinsured motorist (UM/UIM) coverage equal to their liability limits, unless waived in writing. This protects you if you’re hit by a driver with little or no insurance.
How much does personal auto insurance cost in Rhode Island?
Rates vary based on your location, driving history, vehicle, and credit. Urban drivers often pay more due to higher accident risks. Segreve & Hall shops multiple carriers to find competitive rates tailored to your specific needs.
