🏠 Home insurance cost in Providence, RI (2026)
Estimated average: $1,725 per year — -25% vs. the U.S. average of $2,300.
$1,725
Est. home insurance in Providence
per year
$1,725
Rhode Island average
$2,300
U.S. average
190,934
Population
Estimate your home insurance in Providence
Providence home insurance estimator
Estimated$1,087/year
Starts from the Providence estimate. Get quotes to confirm your price.
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.