Renters and home insurance rates in Rhode Island

Name: HomeCover HQ Rates Index: Rhode Island
Creator: HomeCover HQ
Published: 2026-08-17
License: https://homecoverhq.com/terms

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. 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

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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

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"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/.

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Average annual renters insurance premium · Rhode Island · 2022

$181

renter households	160,558

Source: HomeCover HQ Rates Index: Rhode Island

<figure style="margin:0;max-width:340px;padding:16px 18px;border:1px solid #e2e8f0;border-radius:10px;background:#ffffff;color:#0f172a;font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;line-height:1.4;"><figcaption style="margin:0 0 6px;font-size:11px;letter-spacing:.04em;text-transform:uppercase;color:#64748b;background:#ffffff;">Average annual renters insurance premium &middot; Rhode Island &middot; 2022</figcaption><p style="margin:0;font-size:26px;font-weight:700;color:#0f172a;background:#ffffff;">$181<span style="font-size:14px;font-weight:400;color:#64748b;"></span></p><table style="width:100%;border-collapse:collapse;margin:10px 0 0;font-size:13px;background:#ffffff;border:0;"><tbody style="background:#ffffff;"><tr style="background:#ffffff;"><th scope="row" style="text-align:left;font-weight:400;color:#64748b;background:#ffffff;border:0;padding:3px 0;">renter households</th><td style="text-align:right;font-weight:600;color:#0f172a;background:#ffffff;border:0;padding:3px 0;">160,558</td></tr></tbody></table><p style="margin:12px 0 0;font-size:12px;color:#64748b;background:#ffffff;">Source: <a href="https://homecoverhq.com/rates/rhode-island/#stats" style="color:#2563eb;background:#ffffff;text-decoration:underline;">HomeCover HQ Rates Index: Rhode Island</a></p></figure>

Download the Rhode Island county-level dataset (CSV), free to reuse with citation.

Source: NAIC Homeowners Report average premiums (2022 data year) and US Census ACS 5-year (2023) county housing records, computed 2026-08-17.

NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance Report (2022 data) (NAIC public report)
US Census Bureau ACS 5-year (2023) tables B25003/B25064/B25077 (US Government public domain)
Census 2023 Gazetteer, counties (US Government public domain)

Methodology: State average premiums by policy form (HO-3 owner-occupied, HO-4 tenant/renters, HO-6 condo, plus HO-2/HO-5 where published) are the NAIC Dwelling Fire/Homeowners report's 2022 data year, transcribed per state and cross-checked against the countrywide row; the NAIC does not publish county premiums, so county rows carry Census ACS 5-year (2023) records instead: total households, renter-occupied households, median gross rent and median home value per county FIPS. County names and centroids come from the Census 2023 Gazetteer. Puerto Rico and territory counties are excluded (no NAIC premium row). Figures describe published filings and Census records, never quotes: your premium depends on carrier, coverage and property.

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