🏠 Home insurance cost in Rhode Island (2026)
The estimated average is $1,725 per year — below the national average (-25% vs. the U.S. average of $2,300).
Rhode Island is home to about 1.1 million people, and home insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Providence typically differ from smaller towns.
Estimate your home insurance in Rhode Island
Rhode Island home insurance estimator
Starts from the Rhode Island average. Estimate only — get quotes to confirm.
Home insurance cost in Rhode Island cities
| City | Population | Est. home insurance |
|---|---|---|
| Providence | 190,934 | $1,725 |
| Cranston | 82,934 | $1,656 |
| Warwick | 82,823 | $1,656 |
Rhode Island home insurance FAQ
How much is home insurance in Rhode Island?
The estimated average home insurance in Rhode Island is $1,725 per year, which is below the national average (-25% vs. the U.S. average of $2,300). Rhode Island ranks 33 of 51 states from most to least expensive.
Why is home insurance cheaper in Rhode Island?
Home insurance pricing in Rhode Island reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Northeast.
How can I save on home insurance in Rhode Island?
Compare at least three quotes from insurers active in Rhode Island, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.