Renters Insurance Cost in Rhode Island (2026 Average)
Rhode Island renters paid about $139 a year on average in the NAIC 2021 baseline, about $31 less than the $170 US average. The state average is a useful baseline, but your quote will depend on your city, coverage limits, deductible, and claims history.
What drives Rhode Island renters insurance costs
Rhode Island renters paid about $139 a year on average in the NAIC 2021 baseline, about $31 less than the $170 US average.
Weather exposure is a major driver here: nor'easters and winter storms are the primary weather risk.
Claim frequency and litigation also matter: claim frequency is low.
Replacement costs and carrier competition round out the picture: replacement costs are moderate to high, and a small carrier market keeps the average right at the national figure.
How Rhode Island compares
| Location | Average annual premium | vs US average ($170) |
|---|---|---|
| Rhode Island | $139 | −$31 |
| United States (national average) | $170 | baseline |
| Massachusetts | $141 | −$29 |
| Connecticut | $144 | −$26 |
| New Hampshire | $104 | −$66 |
A minus sign means the average is below the US average. Figures are the NAIC 2021 baseline; 2026 quotes run higher after inflation.
Next steps
Estimate your own premium
State averages only get you part of the way. Your real quote depends on your address, the coverage you choose, and your claims history.