How Much Does Renters Insurance Cost in Rhode Island?
Rhode Island pricing is above the national average. Updated for 2024-2025.
Renters Insurance Pricing in Rhode Island
In Rhode Island, the average cost for renters insurance is $23 per month, which is 15% higher than the national average of $20. Most Rhode Island residents pay between $12 and $40.
Rhode Island has a higher cost of living than most states, which translates to higher labor rates and material costs. Urban areas within Rhode Island may be even higher.
Protects belongings, provides liability coverage, and covers additional living expenses.
Rhode Island vs National Average
What Affects Renters Insurance Cost in Rhode Island?
Coverage
$20K: $10-$15/mo; $50K: $20-$35/mo
Location
High-crime adds 50-100%
Deductible
$500 vs $1,000 saves $3-$8/mo
📐 Renters Insurance in Rhode Island Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Renters Insurance Pros in Rhode Island
5 providersAll-Pro Contractors
✅ VERIFIEDAll-Pro Home Services
First Choice Restoration
Are You a Renters Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for renters insurance in Rhode Island.
💡 Tips to Save on Renters Insurance in Rhode Island
- 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 Rhode Island Cost Trends (2020–2024)
Prices have increased +21.1% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $19 | — |
| 2021 | $20 | +5.3% |
| 2022 | $21 | +5.0% |
| 2023 | $22 | +4.8% |
| 2024 | $23 | +4.5% |
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 Rhode Island
Recent Reports
Frequently Asked Questions
How much?
$15-$30/month on average.
What is covered?
Personal property, liability, additional living expenses.
Renters Insurance Cost in Other States
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.