Best home insurance companies in Rhode Island: State Farm 

The best home insurance company in Rhode Island for 2024 is State Farm. Amica Mutual, AIG, Nationwide, and Allstate are among the top home insurance companies in Rhode Island based on price, NAIC complaints, and AM Best financial ratings.

The total Insurance.com score is calculated out of five using these factors.

Best home insurance in Rhode Island
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
State FarmA++0.834.17$1,446
Amica MutualA+0.354.03$2,237
AIGN/A0.093.22$1,607
NationwideA+1.052.88$2,045
AllstateA+1.462.55$2,085

Cheapest home insurance companies in Rhode Island: State Farm 

Below are Rhode Island home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see State Farm has the most affordable rates for all coverage levels. 

Cheapest home insurance in Rhode Island
Company$200,000$300,000$400,000$600,000$1,000,000
State Farm$1,106$1,446$1,782$2,439$3,618
AIG$1,336$1,607$1,968$2,681$3,992
Pure Insurance$1,256$1,807$2,363$3,526$5,630
Nationwide$1,488$2,045$2,593$3,745$5,970
Allstate$1,721$2,085$2,451$3,370$5,674
Amica$1,636$2,237$2,758$3,805$5,607
Andover Insurance$1,993$2,422$2,754$3,725$6,155

*USAA only provides coverage to military members, veterans and their families.

Average home insurance cost in Rhode Island

The average cost of homeowners insurance in Rhode Island is $1,774 a year or $148 a month. This is based on coverage of:

  • $300,000 dwelling
  • $300,000 liability
  • $1,000 deductible
  • 2% hurricane deductible

However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Rhode Island homeowners insurance companies to get the best deal.

Rhode Island home insurance rates by ZIP code

Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Rhode Island to see which areas are the most and least expensive.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

Home insurance calculator

Average home insurance rates in Texas
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP CodeCityHighest Rate
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358

Least expensive

ZIP CodeCityLowest Rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data refreshed as of Apr 2024

The most expensive ZIP codes in Rhode Island for home insurance 

Rhode Island homeowners insurance rates are the most expensive for ZIP code 02881, with an average annual cost of $1,892.

The most expensive ZIP codes in Rhode Island are:

ZIP codeAverage annual rate
02881$1,892
02827$1,882
02907$1,878
02813$1,869
02882$1,868
02891$1,861

The least expensive ZIP codes in Rhode Island for home insurance

The cheapest ZIP codes for home insurance in Rhode Island are:

ZIP codeAverage annual rate
02809$1,657
02807$1,660
02806$1,662
02864$1,665
02895$1,680
02879$1,686

Compare homeowners insurance rates by city in Rhode Island

Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Rhode Island.

CityAnnual insurance premium
Central Falls
$1,195
Coventry
$1,215
Cranston
$1,200
Cumberland
$1,139
East Providence
$1,194
Narragansett
$1,263
Newport
$1,209
Pawtucket
$1,149
Providence
$1,249
Warwick
$1,189
West Greenwich
$1,217
Woonsocket
$1,142

Compare homeowners insurance rates with other states

Alabama
$3,066/year
Alaska
$1,799/year
Arizona
$1,966/year
Arkansas
$4,073/year
Colorado
$3,388/year
Connecticut
$2,100/year
Delaware
$1,389/year
Florida
$4,218/year
Georgia
$2,163/year
Hawaii
$582/year
Idaho
$1,892/year
Illinois
$2,604/year
Indiana
$2,721/year
Iowa
$2,402/year
Kansas
$4,665/year
Kentucky
$3,163/year
Louisiana
$3,481/year
Maine
$1,407/year
Maryland
$1,630/year
Massachusetts
$1,518/year
Michigan
$2,607/year
Minnesota
$2,327/year
Mississippi
$3,398/year
Missouri
$3,349/year
Montana
$2,874/year
Nebraska
$4,624/year
Nevada
$1,457/year
New Hampshire
$1,144/year
New Jersey
$1,299/year
New Mexico
$2,542/year
New York
$1,728/year
North Carolina
$2,768/year
North Dakota
$2,946/year
Ohio
$2,017/year
Oklahoma
$4,945/year
Oregon
$1,503/year
Pennsylvania
$1,760/year
South Carolina
$2,727/year
South Dakota
$3,529/year
Tennessee
$2,870/year
Texas
$4,142/year
Utah
$1,421/year
Vermont
$1,175/year
Virginia
$1,999/year
Washington
$1,659/year
West Virginia
$1,801/year
Wisconsin
$1,508/year
Wyoming
$1,801/year
Show more
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