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State Farm tops the list of the best renters insurance companies in Rhode Island with the highest J.D. Power score (866) among the carriers surveyed.

Renters Insurance provides coverage for personal property and liability protection. When it comes to choosing the best renters insurance company, there are a few factors that you should keep in mind that may help you make an informed decision. Keep on reading this guide to know more about the best renters insurance in Rhode Island.

Best renters insurance companies in Rhode Island

When it comes to choosing the best renters insurance company in Rhode Island, you want to make sure that you are comparing apples to apples. Our experts at Insurance.com have compared quotes, coverage options and J.D Power score from all the major insurers in Rhode Island. Below is the list of best renters insurance companies Rhode Island:

  • State Farm
  • Nationwide
  • Allstate
  • Liberty Mutual

Compare best renters insurance companies in Rhode Island

When you are looking for the most affordable renters insurance policy in Rhode Island, it is best to get quotes from different providers before you choose one. Price plays an important role, but Rhode Island residents should also consider the insurance company's customer service and overall rating before deciding on the one that fits their needs.

Compare the best Rhode Island renters insurance companies using their J.D Power score and average rate.

CompanyJ.D. Power scoreAverage annual rate
State Farm866$202
Nationwide834$584
Allstate833$263
Liberty Mutual823$777

How much is renters insurance in Rhode Island

The average annual premium for renters insurance in Rhode Island is $377, this means Rhode Island residents pay an average of $31 for renters insurance monthly. These prices are for Rhode Island renters who buy liability coverage of $100,000, personal property coverage of $40,000, and a deductible of $1,000.

Average annual premiumAverage monthly premium
$377$31

10 Most expensive zip codes in Rhode Island for renters insurance

If you're a renter in Rhode Island, protecting your household contents and finances with renters insurance is a necessity. The premiums you pay for renters insurance will be determined by many factors including your zip code.

Some areas have higher rates for renters insurance than others as crime rates and the incidence of claims in your area affect how much you pay for your policy. It's important to get quotes from several renters insurance providers before making any decision.

We have gathered quotes from major insurers across all the zip codes and found that the most expensive zip code in Rhode Island for renters insurance is 2903, its average cost is $411 a year.

Find below the list of the 10 most expensive zip codes in Rhode Island along with their average annual renters insurance premium cost.

ZIP codeAverage annual rate
2903$411
2909$410
2908$405
2883$387
2808$386
2816$383
2807$382
2804$381
2882$379
2840$377

10 Least expensive zip codes in Rhode Island for renters insurance

Rhode Island renters insurance rate is the least expensive for the zip code 2818, its average annual rate is $364, based on Insurance.com's rate analysis.

Below is a list of the ten least expensive ZIP codes in Rhode Island along with their average renters insurance premium.

ZIP codeAverage annual rate
2818$364
2814$368
2801$370
2802$371
2823$372
2877$373
2905$374
2806$375
2840$377
2882$379

Cheap renters insurance in Rhode Island by carrier

Renters insurance is designed to protect a renter's personal possessions against damage or theft. When you are looking for cheap renters insurance in Rhode Island, it is easy to be overwhelmed with the many options available. But don't worry we have got you covered, we have compared renters insurance cost from major insurance providers in Rhode Island and prepared a list of cheap renters insurance companies.

Among the carriers surveyed, State Farm is the cheapest insurance company that offers insurance policies to renters in Rhode Island at about $189 a year, on average. Find below renters insurance rates of other cheapest renters insurance companies in Rhode Island.

Company nameAverage annual premium
State Farm$189
Amica$212
Narragansett Bay Insurance$235
Allstate$239
United$325
Metropolitan$535
Nationwide$566
Liberty$719