How Much Does Umbrella Insurance Cost in Rhode Island?
Rhode Island pricing is above the national average. Updated for 2026.
Umbrella Insurance Pricing in Rhode Island
In Rhode Island, the average cost for umbrella insurance is $29 per month, which is 15% higher than the national average of $25. Most Rhode Island residents pay between $17 and $57.
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.
Umbrella insurance provides additional liability coverage beyond your home and auto insurance limits. It protects your assets if you're sued for more than your base policies cover.
Rhode Island vs National Average
What Affects Umbrella Insurance Cost in Rhode Island?
Coverage
$1M policy: $15-$25/month. $2M: $20-$35/month. $5M: $30-$50/month
Risk
Pool, rental properties, teen drivers, and certain dog breeds increase premiums
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💡 Tips to Save on Umbrella Insurance in Rhode Island
- 1.Bundle with your home and auto for the best rate
- 2.$1M in coverage is very affordable — the most common starting point
- 3.Compare between your current insurer and others
- 4.Higher underlying limits on home/auto can lower umbrella costs
📈 Umbrella Insurance in Rhode Island Cost Trends (2020–2024)
Prices have increased +20.8% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $24 | — |
| 2021 | $25 | +4.2% |
| 2022 | $27 | +8.0% |
| 2023 | $28 | +3.7% |
| 2024 | $29 | +3.6% |
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 Umbrella Insurance in Rhode Island
Recent Reports
Frequently Asked Questions
Who needs umbrella insurance?
Anyone with assets to protect. If your net worth exceeds your home and auto liability limits, umbrella insurance is a smart, affordable way to protect yourself from lawsuits.
Umbrella Insurance Cost in Other States
Related Cost Guides for Rhode Island
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