Compare auto, home, life, and health insurance rates for Rhode Island residents. Updated with the latest 2026 carrier data.
Compare car insurance rates by city, coverage level, and driver profile. Find the cheapest auto insurance options in your state.
View Rhode Island Rates →See average homeowners insurance premiums, top risk factors, and money-saving tips specific to your state.
View Rhode Island Rates →Average renters premiums, top carriers, landlord-required coverage, and personal property limits in your state.
View Rhode Island Rates →State marketplace, average Silver-tier premium, Medicaid expansion status, plan counts, and open-enrollment dates.
View Rhode Island Rates →Sample term-life premiums by age band, licensed carrier count, guaranteed-issue rules, and state regulatory notes.
View Rhode Island Rates →NFIP policy count, Risk Rating 2.0 average premium, top flood risk areas, and private market availability in your state.
View Rhode Island Rates →Short-term and long-term disability income protection. Learn about own-occupation policies and costs by age.
View Guide →DHMO vs PPO plans, the 100-80-50 coverage rule, and whether standalone dental insurance is worth the cost.
View Guide →Eye exam copays, frames and contacts allowances, and VSP vs EyeMed plan comparisons.
View Guide →State Medicare Advantage enrollment, Medigap Plan G premiums, switching rights, and top carriers for your state.
View Rhode Island Rates →Small business GL & BOP costs, top industries, workers' comp class codes, and state licensing requirements.
View Rhode Island Rates →State requirements, employee thresholds, sole proprietor exemptions, monopolistic state fund rules, and rates.
View Rhode Island Rates →State motorcycle insurance rates, helmet law, registration count, top carriers, and seasonal lay-up coverage.
View Rhode Island Rates →State HO-6 premiums, master policy types (bare walls-in vs all-in), loss assessment recommendations, and top carriers.
View Rhode Island Rates →State DP-3 rental property rates, top carriers, short-term rental (Airbnb) climate, and landlord/tenant laws.
View Rhode Island Rates →State pet insurance rates for dogs and cats, top carriers, vet cost averages, and state regulatory framework.
View Rhode Island Rates →Nursing home, assisted living, and in-home care coverage. Hybrid policies and when to buy.
View Guide →HO-6 policies explained — master policy gaps, loss assessment coverage, and walls-in protection.
View Guide →DP-1 vs DP-3 dwelling fire policies, rental income protection, and Airbnb coverage gaps.
View Guide →Trip cancellation, emergency medical abroad, CFAR policies, and when travel insurance is worth it.
View Guide →Population
1.1M
Major Cities
Providence, Warwick, Cranston
Market Notes
Small coastal state with significant flood exposure along Narragansett Bay.
For complaints, license verification, and current regulations, contact Rhode Island Department of Business Regulation – Insurance Division directly.
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Important Disclaimer
This site provides general educational information only and is not a substitute for professional insurance advice. All rates, data, and coverage details are estimates and may not reflect your actual premiums. Insurance availability and pricing vary by state, insurer, and individual risk factors. Always consult a licensed insurance professional in your state before making coverage decisions.