Average Renters Insurance Cost in Rhode Island

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Renters insurance costs in Rhode Island vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Rhode Island pay $560 per year or $47 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 $560 per year or $47 per month.
Amica provides the least expensive renters insurance in Rhode Island at an average rate of $129 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 month

In Rhode Island, the average monthly cost of renters insurance is $47. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.

Average renters ins cost per month	Difference compared to national average
$47	$23 more

Average renters insurance cost in Rhode Island by company

Renters in Rhode Island can find the most budget-friendly insurance with Amica, which has an average annual cost of $129, according to our data. Other affordable options include Nationwide and State Farm.

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.

Company	Average annual rate	Average monthly rate
Amica	$129	$11
Nationwide	$191	$16
State Farm	$197	$16
Allstate	$258	$22
New London County Insurance	$319	$27
Farmers	$469	$39
PURE	$1,378	$115
AIG	$1,537	$128

Renters insurance calculator in Rhode Island

$549/year

Estimated renters insurance rates in Rhode Island

$46

Monthly renters insurance cost in Rhode Island

103%

Compared to national average

Average cost of renters insurance in Rhode Island by coverage level

As we discussed above, the average cost of renters insurance in Rhode Island is $560 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.

However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $482 per year for renters insurance in Rhode Island, which provides $300,000 in liability protection with a $1000 deductible.

Below are the average renters insurance costs in Rhode Island for personal property coverage amounts of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$503	$42
$20,000 with $500 Deductible and $300,000 Liability	$513	$43
$20,000 with $1,000 Deductible and $100,000 Liability	$472	$39
$20,000 with $1,000 Deductible and $300,000 Liability	$482	$40
$40,000 with $500 Deductible and $100,000 Liability	$586	$49
$40,000 with $500 Deductible and $300,000 Liability	$597	$50
$40,000 with $1,000 Deductible and $100,000 Liability	$549	$46
$40,000 with $1,000 Deductible and $300,000 Liability	$560	$47
$60,000 with $500 Deductible and $100,000 Liability	$663	$55
$60,000 with $500 Deductible and $300,000 Liability	$674	$56
$60,000 with $1,000 Deductible and $100,000 Liability	$619	$52
$60,000 with $1,000 Deductible and $300,000 Liability	$630	$52

Average cost of renters insurance in Rhode Island by city

Renters 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 city

See rates in your city

Pawtucket

Providence

Average cost of renters insurance in Rhode Island by ZIP code

The cost of renters insurance in Rhode Island varies by ZIP code. It’s important to note that the affordability of renters insurance can differ significantly depending on your location.

To provide a more comprehensive overview, let’s see some of the most and least affordable ZIP codes for renters insurance in Rhode Island.

Most affordable ZIP codes for renters insurance in Rhode Island

The amount Rhode Island renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 2818 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $540.

Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Rhode Island.

ZIP code	City	Average annual rate	Average monthly rate
2818	East Greenwich	$540	$45
2852	North Kingstown	$540	$45
2837	Little Compton	$541	$45
2835	Jamestown	$542	$45
2809	Bristol	$546	$46
2814	Chepachet	$546	$45
2826	Glendale	$546	$46
2830	Harrisville	$546	$45
2842	Newport East	$546	$46
2896	North Smithfield	$546	$46

Least affordable ZIP codes for renters insurance in Rhode Island

Among the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Rhode Island is 2905, with an average cost of $581 a year or $48 monthly.

We analyzed quotes from multiple insurance providers across every ZIP code in Rhode Island. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
2905	Providence	$581	$48
2808	Bradford	$574	$48
2892	West Kingston	$574	$48
2883	Peace Dale	$573	$48
2817	West Greenwich	$572	$48
2827	Greene	$571	$48
2893	West Warwick	$571	$48
2804	Ashaway	$570	$47
2915	Riverside	$570	$48
2881	Kingston	$569	$47

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. In addition to price, consider factors like coverage options, deductibles and customer reviews.

Shivani Gite

Contributing 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.