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📍Providence, RI

Find Insurance Agents in Providence, RI

Providence has 58 insurance agents averaging 4.5 stars across 7,519 reviews. The most popular services are auto (42 agents), home (42 agents), life (42 agents).

58
Licensed Agents
4.5/5
Avg. Rating
12 yrs
Avg. Experience
7
Service Types
🚗

Auto Insurance

Cars, trucks & motorcycles

42 agentsFind agents
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Home Insurance

Homeowners & property

42 agentsFind agents
❤️

Life Insurance

Term & whole life policies

42 agentsFind agents
🏢

Renters Insurance

Apartment & rental coverage

42 agentsFind agents
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Business Insurance

Commercial & liability

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🏍️

Motorcycle Insurance

Bikes & custom coverage

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🕊️

Final Expense Insurance

Burial & funeral coverage

26 agentsFind agents
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Pet Insurance

Coverage for dogs, cats & more

19 agentsFind agents
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Health Insurance

Health & medical coverage

21 agentsFind agents

Insurance in Providence, Rhode Island

Key insurance factors and local considerations for Providence residents.

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Auto Insurance in Providence

Rhode Island drivers pay an average of $2,683/yr for auto insurance — 19% above the national average of $2,264. With dense urban congestion in Providence and coastal weather driving hazards, comprehensive coverage is especially important. Rhode Island is an at-fault state with minimum liability of 25/50/25.

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Home Insurance in Providence

Homeowners in Rhode Island pay $2,191/yr on average — 15% below the national average.

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❤️

Life Insurance in Providence

With Rhode Island's cost of living, Providence residents have diverse life insurance needs. Approximately 52% of Rhode Island households carry life insurance.

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Renters Insurance in Providence

Many Providence residents rent. Renters insurance averages $167/yr in Rhode Island, protecting personal property and beyond.

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Final Expense Insurance in Providence

With a growing senior community and regional funeral costs averaging $9,100, final expense insurance helps Providence families avoid financial burden. No-exam whole life policies are widely available through local agents.

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Pet Insurance in Providence

Many Providence households own pets. With average vet visit costs of $74 in Rhode Island, pet insurance can offset unexpected expenses. Accident-only and comprehensive plans are available through local agents.

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Health Insurance in Providence

Rhode Island has a 4% uninsured rate. Rhode Island operates its own health insurance marketplace. Open enrollment runs November through January.

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📊Local Data

Providence, RI Insurance by the Numbers

Key insurance, driving, and demographic statistics for Providence and Rhode Island to help you make informed coverage decisions.

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762,276
Licensed Drivers in RI
🚗

Auto Insurance

$2,683/yr
Avg. auto premium in RI
16.5%
Uninsured motorist rate
🏠

Home Insurance

$2,191/yr
Avg. homeowners premium in RI
$183/mo
Monthly cost estimate
🏢

Renters Insurance

$167/yr
Avg. renters premium in RI
$14/mo
Monthly cost estimate
🏍️

Motorcycle Insurance

$480/yr
Avg. motorcycle premium in RI
Under 21
Helmet law requirement
🏥

Health Insurance

4%
Uninsured rate in RI
State-Based
ACA Marketplace type
❤️

Life Insurance

52%
Life insurance ownership rate
Above Avg.
Life expectancy rank
💼

Business Insurance

110,000
Small businesses in RI
Required
Workers' comp status
🕊️

Final Expense

18.3%
Population age 65+
$9,100
Avg. funeral cost
🐾

Pet Insurance

63%
Pet ownership rate
$74
Avg. vet visit cost

Sources: NHTSA, FHWA, IRC, NAIC, Bankrate, MoneyGeek, US Census Bureau. State-level averages; individual rates vary.

Insurance FAQ — Providence, RI

What types of insurance can I find in Providence, RI?
Insurance agents in Providence offer auto insurance, home insurance, life insurance, renters insurance, final expense insurance, health insurance, and pet insurance. With 58 agents serving the area, you can compare coverage options and find the policy that best fits your needs and budget.
How do I choose an insurance agent in Providence?
Providence has 58 licensed insurance agents with an average rating of 4.5 out of 5. Look for agents with strong customer reviews, experience in the coverage you need, and willingness to explain your options. Comparing quotes from multiple agents is the best way to ensure competitive pricing.
Why are so many drivers uninsured in Rhode Island?
Rhode Island has an uninsured motorist rate of 16.5%, which is above the national average. High premiums, economic hardship, and limited enforcement all contribute to more drivers going without coverage. If you live in Providence, carrying uninsured/underinsured motorist (UM/UIM) coverage is strongly recommended to protect yourself financially.
Why is car insurance expensive in Providence?
Car insurance in Rhode Island averages $2,683 per year, about 19% above the national average of $2,264. Factors like population density, accident rates, and claims costs in Providence can push premiums even higher. Comparing quotes from local agents and maintaining a clean driving record are the most effective ways to lower your rate.
How much does car insurance cost in Providence, RI?
The average car insurance premium in Rhode Island is $2,683 per year, which is above the national average of $2,264. Your actual rate in Providence depends on your driving history, vehicle type, coverage levels, and credit score. Getting quotes from multiple Providence agents is the best way to find your lowest rate.
Do I need flood insurance in Providence?
Providence faces weather risks that include nor'easters, coastal flooding, hurricanes, making flood insurance an important consideration. Standard homeowners policies do not cover flood damage, so a separate flood policy through the NFIP or a private insurer is necessary if your property is in or near a flood-prone area. A local Providence agent can help you assess your specific risk.
How much does renters insurance cost in Providence?
Renters insurance in Rhode Island averages about $167 per year, or roughly $14 per month. That's below the national average of $189 per year. Your actual cost in Providence depends on your coverage limits, deductible, and any bundled discounts with other policies.
Why are so many people uninsured in Providence?
In Providence, the state's overall uninsured rate is 16.5%, which exceeds national averages. Contributing factors include the cost of premiums, limited employer-sponsored options, and gaps in Medicaid eligibility. A licensed health insurance agent in Providence can help you explore marketplace plans, short-term coverage, or Medicaid options to find affordable protection.

Insurance Agents in Nearby Cities

Cranston, RI
3.3 mi away
Pawtucket, RI
4.1 mi away
Warwick, RI
8.6 mi away
Fall River, MA
15.8 mi away
Brockton, MA
27.1 mi away
New Bedford, MA
27.9 mi away

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🚗 Auto Insurance🏠 Home Insurance❤️ Life Insurance
🏢 Renters Insurance💼 Business Insurance🏍️ Motorcycle Insurance🕊️ Final Expense Insurance🐾 Pet Insurance🏥 Health Insurance