Average renters insurance cost in Pawtucket, Rhode Island

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Renters insurance in Pawtucket, Rhode Island averages $559 annually – $1 less than the state average of $560 per year.

A standard renters insurance policy covers your personal belongings against fire, smoke, theft, and vandalism. It also provides liability protection if you’re held responsible for injuring someone or damaging their property.

Factors like your ZIP code, deductible, coverage limits, insurer, and eligible discounts all play a role in determining your final rate.

How to get the best deal for renters insurance in Pawtucket

Get quotes from a minimum of three insurers – rates differ considerably between providers, and switching can mean hundreds in annual savings.
Bundle your renters policy with auto or another insurance policy under the same provider to unlock a discount.
Increase your deductible from $500 to $1,000 – this move alone can save you $31 per year.
Look into discounts tied to safety features such as deadbolts, smoke detectors, or a home security system.
Pay your full annual premium in one payment instead of monthly – most insurers offer a discount for this.

What is the average cost of renters insurance per month in Pawtucket?

Monthly renters insurance costs in Pawtucket depend on your provider and how much coverage you carry. For a policy with $20,000 in personal property coverage and a $1,000 deductible, the average monthly rate is $40.

Upgrading to $40,000 in personal property coverage adds approximately $7 more per month, putting the average premium at $47. That figure covers $40,000 in personal property protection, $100,000 in liability coverage, and a $1,000 deductible – equals to the state monthly average of $47.

Key takeaways

Renters insurance protects your personal belongings and provides liability coverage within your rental
The average annual cost of renters insurance in Pawtucket is $559
Amica has the most competitive rates in the city
Your premium is influenced by your insurer, coverage limits, ZIP code, and available discounts
If you own valuable items like jewelry, electronics, or furniture, higher coverage limits are worth considering

How much is renters insurance in Pawtucket? Rates by deductible

A policy with a $500 deductible and $20,000 in personal property coverage costs an average of $513 per year in Pawtucket.

Your deductible is the amount you pay out of pocket before your coverage kicks in. Raising it is one of the simplest ways to reduce your premium – going from $500 to $1,000 can trim $31 from your annual bill.

The table below breaks down renters insurance premiums by personal property coverage amount and deductible.

Deductible	Rates with $20,000 personal property	$40,000 personal property	$60,000 personal property
500	$513	$596	$673
1000	$482	$559	$629

Who offers affordable renters insurance in Pawtucket?

Amica tops the list for affordability in Pawtucket, coming in at $127 per year or $11 monthly. Nationwide holds the second spot, with State Farm rounding out the top three.

The table below compares average annual and monthly premiums from the most affordable renters insurance providers in Pawtucket.

Renter insurance provider	Average annual rate	Average per month rate
Amica	$127	$11
Nationwide	$191	$16
State Farm	$197	$16
Allstate	$269	$22
New London County Insurance	$319	$27
Farmers	$457	$38
PURE	$1,378	$115
AIG	$1,535	$128

How to lower the cost of renters insurance

You can lower the cost of renters insurance by shopping around, bundling policies, and going for a higher deductible.

Bundle policies. Combining your renters, auto, or other coverage under one insurer typically earns you a discount across your policies.
Increase your deductible. Opting for a higher deductible will reduce your premium immediately – provided you’re confident you can cover that amount if a claim arises.
Choose the right coverage amount. Look over your policy every year. If your possessions are modest in value, there’s a good chance you’re paying for more personal property coverage than you actually need.
Avoid filing small claims. Submitting several small claims over time can accelerate rate increases more than a single larger claim. Where the cost is manageable, paying directly is often the smarter move.
Improve your credit score. Insurers in most states incorporate your credit score into their pricing. Improving it is one of the more impactful steps you can take to reduce what you pay.
Compare quotes every renewal. Your rate today may not be the best rate available. A few minutes spent comparing quotes at each renewal can add up to significant annual savings.

Renters insurance replaces what you own if it’s stolen or damaged, and it covers you financially when you’re liable for someone else’s loss. Getting quotes from multiple insurers and making use of available discounts are the most straightforward ways to secure a fair rate.

Frequently asked questions

Is renters insurance required in Pawtucket?

No state law mandates it, but your landlord may. Regardless, having coverage protects your belongings and shields you from liability if a guest is injured in your home.

What does renters insurance cover?

A renters policy covers personal belongings that are stolen or damaged, liability claims you’re responsible for, and temporary living expenses if a covered event makes your rental uninhabitable.

How much renters insurance do I need?

Enough to replace everything you own if it were stolen or destroyed. If you have high-value items like electronics, furniture, or jewelry, consider higher limits or scheduled coverage for those specific items.

Who has the cheapest renters insurance in Pawtucket?

Amica offers the lowest average rates in Pawtucket at $11 per month.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered renters insurance rate data for Pawtucket based on $40,000 in personal property coverage, $300,000 in liability coverage, and a $1,000 deductible. Rates reflect a good credit tier profile.

How much is renters insurance in other cities?

See rates in your city

Providence

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.