Life Insurance Cost in Rhode Island
Life insurance in Rhode Island costs about $420 a year ($35 a month), which is close to the US average. Most prices fall from $250 to $750.
Life Insurance Cost in Rhode Island
| Low | Typical | High | |
|---|---|---|---|
| Rhode Island | $250 | $420 | $750 |
| US average | $250 | $420 | $750 |
Claim frequency, litigation rates and weather losses push prices up or down in Rhode Island. We rank Rhode Island number 40 of 51 from cheapest to most expensive (1 is cheapest). State factor used: 1.00 (1.00 is the US average).
What the price covers
The figures are for a healthy non-smoker age 35, $500,000, 20-year term. Age, health and smoking status have the biggest effect on term life premiums. Price barely changes by state.
Ways to pay less in Rhode Island
- Term life is far cheaper than whole life for the same death benefit.
- Buy while young and healthy. Each year of age raises the price.
- Compare several insurers; underwriting differences can change the rate a lot.
Frequently asked questions
How much life insurance do i need?
In Rhode Island the typical price is about $420 a year ($35 a month), with a range of $250 to $750.
Is life insurance more expensive in Rhode Island than average?
It is close to the US average of $420.
Is this a quote?
No. It is a modelled estimate. Get quotes for your exact situation.
Sources and method
- Insurance Information Institute: auto and homeowners insurance facts
- NAIC: average premium reports and consumer insurance guides
- Estimates only, not an insurance quote
Page last updated November 2026. See our editorial policy and disclaimer.