Home Renters insurance Renters insurance cost Average renters insurance cost in Rhode Island Average renters insurance cost in Rhode Island Discover the average cost of renters insurance in Rhode Island and how factors like location and coverage levels can impact your rate. 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: December 3, 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. Renters insurance costs in Rhode Island vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Rhode Island pay $476 per year or $40 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible. Key Takeaways The average cost of renters insurance in Rhode Island is $476 per year or $40 per month.Amica Mutual provides the least expensive renters insurance in Rhode Island at an average rate of $193 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Rhode Island. Average renters insurance cost in Rhode Island per monthThe average cost of renters insurance in Rhode Island is $40 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.Average renters ins cost per monthDifference compared to national average$40$18 morePowered by:Average renters insurance cost in Rhode Island by companyRenters in Rhode Island can find the most budget-friendly insurance with Amica Mutual, which has an average annual cost of $193, according to our data. Other affordable options include State Farm and Nationwide.It’s a good idea to gather quotes from at least three insurance providers, as each company calculates premiums differently.Below are the average annual and monthly renters insurance rates from various insurers in Rhode Island.CompanyAverage annual rateAverage monthly rateAmica Mutual$193$16State Farm$197$16Nationwide$206$17Allstate$259$22New London County Insurance$315$26Farmers$455$38AIG$806$67Pure Companies Grp$1,378$115Powered by: Renters insurance calculator in Rhode Island Select your state Rhode Island Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $468/year Estimated renters insurance rates in Rhode Island $39 Monthly renters insurance cost in Rhode Island 89% Compared to national average Get quotes Average cost of renters insurance in Rhode Island by coverage levelThe average annual cost of renters insurance in Rhode Island is $476, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $402 a year for renters insurance in Rhode Island. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.The table below shows the average annual renters insurance costs in Rhode Island for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$424$35$20,000 with $500 Deductible and $300,000 Liability$432$36$20,000 with $1,000 Deductible and $100,000 Liability$393$33$20,000 with $1,000 Deductible and $300,000 Liability$402$33$40,000 with $500 Deductible and $100,000 Liability$504$42$40,000 with $500 Deductible and $300,000 Liability$512$43$40,000 with $1,000 Deductible and $100,000 Liability$468$39$40,000 with $1,000 Deductible and $300,000 Liability$476$40$60,000 with $500 Deductible and $100,000 Liability$576$48$60,000 with $500 Deductible and $300,000 Liability$584$49$60,000 with $1,000 Deductible and $100,000 Liability$534$45$60,000 with $1,000 Deductible and $300,000 Liability$542$45Powered by:Average cost of renters insurance in Rhode Island by cityRenters insurance premiums can vary widely between cities. To help you choose the right policy, we’ve compiled average costs by location. Explore renters insurance rates across various cities in Rhode Island and find the best fit for your budget.Renters insurance rates in Rhode Island by citySee rates in your cityPawtucketProvidenceAverage cost of renters insurance in Rhode Island by ZIP codeIn Rhode Island, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.Most affordable ZIP codes for renters insurance in Rhode IslandIn Rhode Island, your ZIP code plays a major role in determining your premiums. Based on our data, 2818 is the most affordable ZIP code for renters insurance, with an average annual cost of $461.Comparing quotes from multiple insurers in Rhode Island is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate2818East Greenwich$461$382852North Kingstown$462$382837Little Compton$462$382835Jamestown$463$392809Bristol$467$392885Warren$467$392814Chepachet$468$392826Glendale$468$392858Oakland$468$392830Harrisville$468$39Powered by:Least affordable ZIP codes for renters insurance in Rhode IslandYour ZIP code, among other factors, affects how much you pay for renters insurance in Rhode Island. 2907 is the least affordable ZIP code for Rhode Island renters at an average cost of $496 a year or $41 monthly.We have analyzed quotes from the major insurance carriers across all the ZIP codes in Rhode Island. Below are the average annual renters insurance costs by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate2907Providence$496$412915Riverside$485$402817West Greenwich$485$402808Bradford$485$402883Peace Dale$484$40Powered by: Final thoughts: Average renters insurance in Rhode IslandRenters insurance is a must-have for renters in Rhode Island. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.Shivani 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.How much is renters insurance in other statesAlaska$257/YearAlabama$324/YearArkansas$363/YearArizona$260/YearCalifornia$271/YearColorado$191/YearConnecticut$292/YearDelaware$181/YearFlorida$248/YearGeorgia$352/YearHawaii$247/YearIowa$203/YearIdaho$184/YearIllinois$246/YearIndiana$269/YearKansas$251/YearKentucky$207/YearLouisiana$504/YearMassachusetts$262/YearMaryland$256/YearMaine$198/YearMichigan$340/YearMinnesota$211/YearMissouri$231/YearMississippi$387/YearMontana$275/YearNorth Carolina$366/YearNorth Dakota$192/YearNebraska$295/YearNew Hampshire$173/YearNew Jersey$207/YearNew Mexico$201/YearNevada$246/YearNew York$293/YearOhio$252/YearOklahoma$281/YearOregon$288/YearPennsylvania$274/YearSouth Carolina$294/YearSouth Dakota$202/YearTennessee$290/YearTexas$226/YearUtah$204/YearVirginia$235/YearVermont$182/YearWashington$222/YearWisconsin$167/YearWest Virginia$248/YearWyoming$136/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in Rhode IslandBest and cheapest homeowners insurance companies in Rhode IslandCost of Living in Rhode Island in 2025How much does condo insurance cost in Rhode Island in 2025? Explore other insurance options in Rhode Island Average homeowners insurance cost in Rhode Island Average car insurance cost in Rhode Island Non-owner auto insurance in Rhode Island 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 2026 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? Mobile home insurance cost and coverage in 2026 Homeowners insurance basics Home Insurance Advisor Cheapest homeowners insurance in 2025 How much flood insurance do I need? How to bundle home and auto insurance policies to save money Home insurance discounts for cheaper rates How much does dog liability insurance cost and do you need it? Do you have an emergency go-bag? Most Americans don’t 1/1 Related Articles Renters insurance calculator: How much renters insurance costs by state and city in 2026 By Shivani Gite Mobile home insurance cost and coverage in 2026 By Chris Kissell Homeowners insurance rates by state By Jake Safane Cost of living calculator By Nupur Gambhir How much do claims increase home insurance rates? By Les Masterson Average homeowners insurance cost by ZIP code in 2026 By Barry Eitel On this page Average renters insurance cost in Rhode Island per monthAverage renters insurance cost in Rhode Island by companyAverage cost of renters insurance in Rhode Island by coverage levelAverage cost of renters insurance in Rhode Island by cityAverage cost of renters insurance in Rhode Island by ZIP codeFinal thoughts: Average renters insurance in Rhode Island ZIP Code Please enter valid ZIP See rates (844) 761-9316