Rhode Island Bans Higher Auto Insurance Rates for Widows and Widowers

Rhode Island has enacted a new law prohibiting auto insurers from charging widowed policyholders higher rates than their married counterparts. Effective for policies issued after January 1, 2025, the legislation ensures widows and widowers are classified and rated the same as married individuals. Governor Dan McKee signed the bill into law, emphasizing the need for fairness and compassion in insurance practices.

The legislation was co-sponsored by Democratic Rep. Arthur Handy, who experienced a rate change after his wife’s passing, and Democratic Sen. Valarie Lawson, who was approached by a constituent facing a similar issue. Both sponsors highlighted the emotional and financial strain widows and widowers endure, arguing that higher insurance rates only exacerbate their burdens.

This initiative has received support from the local insurance industry, reflecting a growing awareness and commitment to eliminating discriminatory practices. Rhode Island joins Delaware and Pennsylvania, which have previously taken steps to abolish the so-called widow’s penalty in auto insurance.