How Much Does Renters Insurance Cost in Providence, RI?
Providence pricing is 12% above the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Providence's diversified economy.See our methodology
Renters Insurance Pricing in Providence, RI
In Providence, renters insurance costs are 12% above the national average, reflecting the city's diversified-driven economy. The balanced labor market means you have decent options when shopping for quotes. Most residents with a population base of 190K find the pricing competitive relative to the local cost of living.
Local climate plays a direct role in renters insurance costs here. Cold winters and mild summers create seasonal pricing patterns for outdoor work.
Market-specific factors matter in Providence: established contractor market with competitive pricing.
Providence has moderate permitting requirements. Depending on the scope of your renters insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Providence vs National Average
What Affects Renters Insurance Cost in Providence?
Coverage
$20K: $10-$15/mo; $50K: $20-$35/mo
Location
High-crime adds 50-100%
Deductible
$500 vs $1,000 saves $3-$8/mo
Providence Market Conditions
established contractor market with competitive pricing
Local Climate Impact
cold winters and mild summers create seasonal pricing patterns for outdoor work
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Top-Rated Renters Insurance Pros in Providence, RI
7 providersHeritage HVAC Solutions
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Tips to Save on Renters Insurance in Providence
- 1.Bundle with auto for 10-20% discount
- 2.Increase deductible to $1,000
- 3.Create home inventory
- 4.Actual cash value is cheaper
📈 Renters Insurance in Providence Cost Trends (2020–2024)
Prices have increased +22.2% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $18 | — |
| 2021 | $19 | +5.6% |
| 2022 | $20 | +5.3% |
| 2023 | $21 | +5.0% |
| 2024 | $22 | +4.8% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Providence
Recent Reports
Frequently Asked Questions
How much?
$15-$30/month on average.
What is covered?
Personal property, liability, additional living expenses.
Why does renters insurance cost different in Providence than other cities?
Providence's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Renters Insurance Cost in Nearby Cities
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