Home Home insurance Renters insurance Renters insurance cost Average renters insurance cost in Rhode Island Average renters insurance cost in Rhode Island 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. Updated on: January 18, 2024 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 varies depending on various factors, including the coverage amount, insurance company, and individual circumstances. But, the average renters insurance cost in Rhode Island is $436 per year or $36 per month for coverage limits of $40,000 for personal property coverage, $100,000 in liability coverage and a $1000 deductible. These are average rates and actual premium costs may differ. Renters insurance companies in Rhode Island Nationwide offers affordable renters insurance in Rhode Island at an average annual rate of $123 followed by State Farm and Amica Mutual, based on Insure.com’s analysis. But it’s smart to get multiple quotes for various renters insurance companies in Rhode Island because the prices vary a lot among carriers. Below we have compared the average annual and monthly renters insurance rates of insurance companies across Rhode Island. CompanyAverage annual rateAverage monthly rateNationwide$123$10State Farm$190$16Amica Mutual$200$17Heritage Insurance Holdings$229$19Allstate$239$20New London County Insurance$310$26United Insurance Holdings$325$27AIG$843$70Pure Companies Grp$1,463$122 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. $100,000 $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 $436/year Estimated renters insurance rates in Rhode Island $36 Monthly renters insurance cost in Rhode Island 74% Compared to national average Get quotes Average cost of renters insurance in Rhode Island by coverage level As we discussed above, in Rhode Island, the average cost of renters insurance is $436 per year. These rates are for the coverage level of $40,000 for personal property coverage, $100,000 in liability coverage and a $1000 deductible. However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $380 per year for renters insurance in Rhode Island for $100,000 in liability protection and $1000 deductible. Find below the average cost of renters insurance 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$380$32$40,000$436$36$60,000$490$41 Most affordable ZIP codes for renters insurance in Rhode Island How much Rhode Island renters pay for insurance majorly depends on the ZIP code they live in. 2826 is the most affordable ZIP for renters insurance in Rhode Island among all the ZIP codes analyzed, at about $425 a year on average. Rates vary based on the ZIP code, that’s why comparing quotes is one of the easiest ways to get the best deal on renters insurance in Rhode Island. ZIP codeAverage annual rateAverage monthly rate2826$425$352802$426$352857$427$362818$429$362905$430$36 Least affordable ZIP codes for renters insurance in Rhode Island Your 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 $455 a year or $38 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 codeAverage annual rateAverage monthly rate2907$455$382918$454$382912$449$372883$448$372882$446$37 Renters insurance rates vary from one city to another. But with Insure.com, finding the right renters insurance policy is easy. Learn more about renters insurance costs for different cities below. Renters insurance rates in Rhode Island by cityCranstonEast ProvidencePawtucketProvidenceWarwickRenters and auto bundle discounts in Rhode Island If you’re looking for ways to trim costs on your insurance premiums, consider purchasing renters and auto insurance from the same company. Bundling policies can help you save an average of 15% per year in Rhode Island. State Farm offers the cheapest rate on renters and auto insurance bundle, you can save 32% a year on your premiums. CompanyAverage annual rate$ bundle average savings% bundle average savingsState Farm$633$29832%United Insurance Holdings$1,024$535%Allstate$1,027$50033%Heritage Insurance Holdings$1,144$605%AIG$1,230$514%Pure Companies Grp$1,575$1629%Nationwide$1,589$39020%Amica Mutual$1,814$45420%Andover Insurance$2,368$1416% Final thoughts: Average renters insurance in Rhode Island Renters 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. Consider factors like coverage options, deductibles, and customer reviews in addition to price. Methodology Insure.com commissioned Quadrant Information Services to gather renters insurance rates for all available ZIP codes in Rhode Island. These rates include a coverage limit of $100,000 for liability coverage, personal property coverage ranging from $20,000 to $40,000, and a $1,000 deductible, with credit tier alignment specified as good/none. 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 How much is renters insurance in other statesAlaska$223/YearAlabama$329/YearArkansas$337/YearArizona$218/YearCalifornia$257/YearColorado$173/YearConnecticut$250/YearWashington D.C.$236/YearDelaware$230/YearFlorida$359/YearGeorgia$330/YearHawaii$231/YearIowa$181/YearIdaho$174/YearIllinois$211/YearIndiana$240/YearKansas$236/YearKentucky$193/YearLouisiana$495/YearMassachusetts$234/YearMaryland$243/YearMaine$172/YearMichigan$337/YearMinnesota$200/YearMissouri$206/YearMississippi$394/YearMontana$246/YearNorth Carolina$324/YearNorth Dakota$153/YearNebraska$242/YearNew Hampshire$155/YearNew Jersey$181/YearNew Mexico$194/YearNevada$235/YearNew York$272/YearOhio$226/YearOklahoma$262/YearOregon$254/YearPennsylvania$241/YearSouth Carolina$290/YearSouth Dakota$184/YearTennessee$272/YearTexas$225/YearUtah$181/YearVirginia$219/YearVermont$166/YearWashington$224/YearWisconsin$148/YearWest Virginia$236/YearWyoming$126/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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