230 R.I. Code R. 230-RICR-20-05-3.6
Insurers shall develop and have approved for use within the State of Rhode Island programs showing a reductive amount for credit(s) as a result of a lack of Chargeable Accident(s) and/or Moving Violations, as defined in this Part without regard to age, sex or where the motor vehicle is garaged. Insurers may restrict these reductive amounts only to persons who have been licensed for three (3) or more years. These reductive amounts must be clearly shown as a flat dollar rate or as a percentage rate in the insurers' rate manual and may vary by coverage, liability limits, age and price of car, physical damage deductible, etc. However, the reductive amount must be reasonable, not excessive, nor unfairly discriminatory. If the reductive amount meets these criteria an insurer may also have a discount program based upon tenure with the insurer. Nothing in this section affects an insurer's ability to provide non-driving related discounts that are not related to any accident or moving violation.
230 R.I. Code R. 230-RICR-20-05-3.6