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Rhode Island: total loss rules

When an insurer must declare your car a total loss: a set percentage of its value, or the total loss formula.

Single detailed source
Rule75% of fair market value
What it meansAn insurer may not total a car repairable for under 75% of its value without your written agreement

Rhode Island's regulation bars an insurer from totaling a car repairable for less than 75% of its value unless you agree in writing; the statute lets you choose a total loss between 75% and 80%. A 2026 bill proposed raising the bar to 85%.

General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply. Confirm with the state agency, the court or a licensed professional in Rhode Island.

How Rhode Island compares

Rhode Island is the only state with this answer (75% of fair market value).

Alaska: Total loss formulaAKMaine: Total loss formulaMEVermont: Total loss formulaVTNew Hampshire: 75% of actual cash valueNHWashington: Total loss formulaWAIdaho: Total loss formulaIDMontana: Total loss formulaMTNorth Dakota: 75% of actual cash valueNDMinnesota: 80% of actual cash valueMNIllinois: Total loss formulaILWisconsin: 70% of actual cash valueWIMichigan: 75% of actual cash valueMINew York: 75% of actual cash valueNYRhode Island: 75% of fair market valueRIMassachusetts: Total loss formulaMAOregon: 80% of actual cash valueORNevada: 65% of actual cash valueNVWyoming: 75% of actual cash valueWYSouth Dakota: Total loss formulaSDIowa: 70% of actual cash valueIAIndiana: 70% of actual cash valueINOhio: Total loss formulaOHPennsylvania: Total loss formulaPANew Jersey: Total loss formulaNJConnecticut: Total loss formulaCTCalifornia: Total loss formulaCAUtah: Total loss formulaUTColorado: 100% of actual cash valueCONebraska: 75% of actual cash valueNEMissouri: 80% of actual cash valueMOKentucky: 75% of actual cash valueKYWest Virginia: 75% of actual cash valueWVVirginia: 75% of actual cash valueVAMaryland: 75% of actual cash valueMDDelaware: Total loss formulaDEArizona: Total loss formulaAZNew Mexico: Total loss formulaNMKansas: 75% of actual cash valueKSArkansas: 70% of actual cash valueARTennessee: 75% of actual cash valueTNNorth Carolina: 75% of actual cash valueNCSouth Carolina: 75% of actual cash valueSCDistrict of Columbia: 75% of actual cash valueDCOklahoma: 60% of actual cash valueOKLouisiana: 75% of actual cash valueLAMississippi: Total loss formulaMSAlabama: 75% of actual cash valueALGeorgia: Total loss formulaGAHawaii: Total loss formulaHITexas: 100% of actual cash valueTXFlorida: 80% of actual cash valueFL
  • Total loss formula (21)
  • 75% of actual cash value (17)
  • 70% of actual cash value (4)
  • Other (9)

Also for Rhode Island: Car insurance by state in Rhode Island · Claim deadlines in Rhode Island · Small claims limits in Rhode Island · Dog bite rules in Rhode Island · Shared fault rules in Rhode Island · Accident reporting rules in Rhode Island · Phone-while-driving laws in Rhode Island · Motorcycle helmet laws in Rhode Island · All Rhode Island rules on one page

How we checked this

Thresholds were compared across four 2026 insurance publishers and agree for every state except Rhode Island. Last checked: November 12, 2026. Laws change; confirm with the state agency or a licensed professional before acting.

Cross-checked sources agree   Checked on official source confirmed on a government, court or legislature site   Single detailed source one detailed table built from statutes or official data   Under review sources disagree; read the note and the law.