Affordable Home Insurance in Rhode Island
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What drives home insurance rates in Rhode Island
Average homeowners premium, 2023
$2,396
The average homeowners policy in Rhode Island cost $2,396 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
57.5¢
Home insurers in Rhode Island paid 57.5 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
18
NOAA logged 1 tornado, 8 large-hail and 9 flash-flood event reports in Rhode Island in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#51
FEMA ranks Rhode Island #51 of 51 for expected annual loss from natural hazards; flood accounts for 73% of that loss, and flood damage needs a separate flood policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in Rhode Island
The ten insurer groups that wrote the most home premium in Rhode Island in 2025, with their share of the state total of $778 million.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Allstate Insurance Group | 14.03% | $109 million |
| 2 | Amica Mutual Group | 12.2% | $95 million |
| 3 | United Services Automobile Association Group | 7.9% | $61 million |
| 4 | Liberty Mutual Group | 6.05% | $47 million |
| 5 | Andover Group | 5.49% | $43 million |
| 6 | Nationwide Corp Group | 5.1% | $40 million |
| 7 | American Family Insurance Group | 4.67% | $36 million |
| 8 | Heritage Insurance Holdings Group | 4.46% | $35 million |
| 9 | Progressive Group | 3.67% | $29 million |
| 10 | Farmers Insurance Group | 3.51% | $27 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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