🏠 Home insurance cost in Providence, RI (2027)
Estimated average: $1,725 per year — -25% vs. the U.S. average of $2,300.
With about 190,934 residents, Providence is a mid-size city and the largest city in Rhode Island. Home insurance rates here are estimated at $1,725 per year, near the Rhode Island average of $1,725 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Providence with other Rhode Island cities.
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Providence home insurance FAQ
How much is home insurance in Providence, RI?
The estimated average is $1,725 per year — about the state average (0% vs. the Rhode Island average of $1,725, and -25% vs. the U.S. average).
Is home insurance more expensive in Providence than elsewhere in Rhode Island?
Providence has about 190,934 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Providence?
Compare at least three quotes from insurers active in Providence, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.