Renters and home insurance rates in Rhode Island
The NAIC's published average premiums for Rhode Island by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
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Figures are published averages, never quotes; methodology at the foot of the page.
- average renters premium (HO-4), per year
- $181
- average homeowners premium (HO-3), per year
- $2,074
- renter households
- 160,558
By county
By county
| Providence County | 111,266 | $1,242 | $339,100 |
|---|---|---|---|
| Kent County | 20,260 | $1,264 | $333,900 |
| Washington County | 12,059 | $1,303 | $469,800 |
| Newport County | 11,781 | $1,652 | $559,700 |
| Bristol County | 5,192 | $1,348 | $468,000 |
Download the Rhode Island county-level dataset (CSV), free to reuse with citation.
Sources, citation and related pages
Cite or embed this figure
The average annual renters insurance premium in Rhode Island was $181 in 2022, across 160,558 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: Rhode Island", updated 2026-08-17, https://homecoverhq.com/rates/rhode-island/.