Home Renters insurance Renters insurance cost Rhode Island Pawtucket, RI Average renters insurance cost in Pawtucket, Rhode Island The average cost of renters insurance in Pawtucket is $467 per year or $39 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: May 9, 2025 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. In Pawtucket, the average cost of renters insurance is $467 annually for $40,000 in personal property, $300,000 in liability and a $1,000 deductible. It is $1 less than the state average of $468 per year.Renters insurance costs can vary based on the coverage you choose and the amount of liability protection included in your policy. If you’re living in a rental, it’s a smart way to protect your personal belongings from things like fire, smoke, theft, vandalism, and other covered incidents. Let’s take a look at the cheapest renters insurance options in Pawtucket.Key TakeawaysRenters insurance costs an average of $467 per year or $39 per month in Pawtucket.Amica has the cheapest renters insurance for Pawtucket renters at $15 per month.Taking advantage of discounts, such as having a security system or bundling renters insurance with other insurance policies, can help reduce your insurance premiums.What is the average cost of renters insurance per month in Pawtucket?On average, renters insurance costs in Pawtucket are $39 per month. It’s equals to the state average of $39. Renters in Pawtucket pay these rates for a coverage limit of $40,000 in personal property coverage, $1,000 deductible, and $300,000 in liability protection coverage.Renters insurance rates can vary by city based on your insurer and the amount of coverage you choose. In Pawtucket, for example, renters pay around $33 per month for $20,000 in personal property coverage with a $1,000 deductible. If you increase your coverage to $40,000, the monthly premium goes up by $6.If you own high-value items like jewelry, electronics, or designer furniture, it’s a good idea to consider higher coverage limits to make sure you’re fully protected.How much is renters insurance in Pawtucket by deductible?Renters insurance in Pawtucket costs an average of $424 per year for a $500 deductible and $20,000 in personal property coverage.The deductible is the amount you pay before your insurance coverage applies. By increasing your deductible, you can lower your insurance premium. For instance, raising your deductible from $500 to $1,000 will save you $31 annually.The table below shows renters insurance premiums for varying personal property coverage and deductible amounts.Deductible$20,000 personal property$40,000 personal property$60,000 personal property$500$424$504$576$1,000$393$467$534Note: The liability protection coverage is $100,000.Who offers cheap renters insurance in Pawtucket?Your search for affordable renters insurance ends here.Amica has the lowest rates in Pawtucket, with an annual premium of $181 a year or $15 per month. Based on our data, State Farm and Nationwide also offer cheap rates.Below, you’ll find the average annual and monthly rates for cheap renters insurance companies in Pawtucket.Renter insurance providerAverage annual rateAverage per month rateAmica$181$15State Farm$187$16Nationwide$205$17Allstate$249$21New London County Insurance$310$26Farmers$423$35Corebridge Direct$807$67PURE$1,378$115How to lower the cost of renters insuranceFollow these tips to reduce the cost of your renters insurance in Pawtucket:Bundle policies. If you have other insurance policies, such as car insurance, consider bundling them with the same company. Many insurers in Pawtucket provide discounts for bundled policies.Increase your deductible. A higher deductible can lower your premium in Pawtucket, but make sure you’re comfortable with the potential out-of-pocket costs if you file a claim.Choose the right coverage amount. Review your renters insurance policy regularly to ensure you aren’t paying for unnecessary coverage, such as excess personal property coverage if you don’t own many valuables.Avoid filing too many claims. Filing frequent small claims can increase your rates. It might be worth paying for minor damages out-of-pocket instead of using your insurance.Compare quotes. Don’t accept the first quote you get. Shop around and compare renters insurance rates from different insurers in Pawtucket to find the best deal.Renters in Pawtucket should purchase renters insurance to protect their belongings and financial health. The cost of coverage varies based on your location, coverage limits and individual circumstances. To find the best deal, evaluate your coverage needs, compare quotes from different providers and take advantage of any available discounts.MethodologyInsure.com, with the help of Quadrant Information Services, gathered data for renters insurance rates in Pawtucket in 2023 for $40,000 personal property coverage, $300,000 liability coverage, and a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is renters insurance in other cities?CranstonEast ProvidenceProvidenceWarwickShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? 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Most Americans don’t 1/1 Related Articles Cost of living comparison by state By Chris Kissell Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite Cost of living calculator By Nupur Gambhir $400K home insurance cost calculator By Zack Sigel Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel Hurricane insurance costs in Florida: What you should expect By Sarah Sharkey On this page What is the average cost of renters insurance per month in Pawtucket?How much is renters insurance in Pawtucket by deductible?Who offers cheap renters insurance in Pawtucket?How to lower the cost of renters insuranceMethodology ZIP Code Please enter valid ZIP See rates (844)-761-9316