Average insurance rates across 12 cities in Rhode Island
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Providence | 190,934 | $2,145 | $2,090 | $477/mo | $20/mo |
| Warwick | 82,783 | $2,145 | $2,090 | $477/mo | $20/mo |
| Cranston | 82,691 | $2,145 | $2,090 | $477/mo | $20/mo |
| Pawtucket | 75,176 | $2,145 | $2,090 | $477/mo | $20/mo |
| East Providence | 47,012 | $2,145 | $2,090 | $477/mo | $20/mo |
| Woonsocket | 43,029 | $2,145 | $2,090 | $477/mo | $20/mo |
| Newport | 25,087 | $2,145 | $2,090 | $477/mo | $20/mo |
| Central Falls | 22,359 | $2,145 | $2,090 | $477/mo | $20/mo |
| Valley Falls | 12,072 | $2,145 | $2,090 | $477/mo | $20/mo |
| Newport East | 11,644 | $2,145 | $2,090 | $477/mo | $20/mo |
| Cumberland Hill | 8,866 | $2,145 | $2,090 | $477/mo | $20/mo |
| Greenville | 8,777 | $2,145 | $2,090 | $477/mo | $20/mo |
Rhode Island residents pay an average of $1,950 per year for home insurance and $1,900 for auto insurance. Rhode Island follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/25.
Health insurance in Rhode Island averages $470 per month for an individual Silver marketplace plan. The weather risk level is medium, with moderate natural disaster risk. Top insurance providers in Rhode Island include Amica, State Farm, USAA.
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Policygenius The ZebraThe average home insurance cost in Rhode Island is $1,950 per year. Rates range from $1,200 to $2,800 depending on home value, location, and coverage level.
Auto insurance in Rhode Island averages $1,900 per year for full coverage. The state minimum coverage is 25/50/25.
Rhode Island has moderate insurance costs, with home insurance at $1,950/yr and auto at $1,900/yr compared to national averages of $2,300 and $1,800 respectively.
Rhode Island requires minimum liability coverage of 25/50/25 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.