Amica ranks first for bundling home and auto insurance in Rhode Island with a MoneyGeek score of 4.83 out of 5 and an annual bundled premium of $2,765. MoneyGeek analyzed 250 quotes across five Rhode Island ZIP codes, weighing affordability, customer satisfaction and coverage quality to produce these rankings. Allstate offers the state's largest bundle discount at 27%, saving policyholders $1,509 annually, yet its total annual bundled premium of $4,064 is $1,673 more than State Farm's $2,391.
Best Home and Auto Insurance Bundle in Rhode Island
Updated: May 5, 2026
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Key Takeaways
Amica earns MoneyGeek's top score of 4.83 out of 5 for bundling home and auto insurance in Rhode Island, and the cheapest annual bundled premium of $2,765, one of the lowest rates among top-ranked carriers in the state.
Allstate offers Rhode Island's biggest bundle discount at 27%, saving policyholders $1,509 per year, more dollar savings than any other carrier in the state.
A bigger discount does not guarantee the lowest total bill: Allstate's 27% discount still results in an annual bundled premium of $4,064, while State Farm's 23% discount produces the cheapest total at $2,391 per year in Rhode Island.
Best Home and Auto Bundle Insurance in Rhode Island
| Amica | 4.83 | $2,765 | 14% |
| State Farm | 4.72 | $2,391 | 23% |
| Farmers | 4.49 | $5,115 | 17% |
| Allstate | 4.48 | $4,064 | 27% |
| Nationwide | 4.39 | $4,863 | 16% |
To learn more about how we rank the top home and auto insurance bundles, see our methodology.
Top 3 Home and Auto Bundle Companies in Rhode Island
The three top-ranked home and auto bundle providers in Rhode Island are Amica, State Farm and Farmers. Amica leads MoneyGeek's composite score thanks to strong customer satisfaction and competitive pricing. State Farm offers the lowest total annual premium at $2,391 and a 23% discount. Farmers rounds out the top three with broad coverage options despite a higher price point. Rhode Island's small insurance market means fewer carriers actively write bundles here, and Atlantic coast and Narragansett Bay exposure to hurricanes and nor'easters pushes home premiums higher than inland states. Coastal flood risk requires a separate policy and is not covered by any of these bundled plans.
Amica
MoneyGeek Rating
4.8/ 5
4.6/5Affordability
5/5Customer Experience
4.8/5Coverage
Annual Premium Bundle
$2,765Monthly Premium Bundle
$230Bundle Savings
14%
State Farm
MoneyGeek Rating
4.7/ 5
4.9/5Affordability
4.7/5Customer Experience
4.5/5Coverage
Annual Bundle Premium
23%Monthly Bundle Premium
$199Bundle Savings
17%
Farmers
MoneyGeek Rating
4.5/ 5
3.8/5Affordability
4.6/5Customer Experience
4.9/5Coverage
Average Monthly Cost
$426Max Age Supported
N/A
Cheapest Home and Auto in Bundle Rhode Island
State Farm offers the cheapest home and auto bundle in Rhode Island at $2,391 per year, saving policyholders $729 annually through its 23% discount. Allstate produces the largest dollar savings in the state at $1,509 per year with a 27% discount, but its total annual bundled premium of $4,064 is $1,673 more than State Farm's $2,391. Rhode Island shoppers focused on the lowest total bill should compare full premiums alongside discount percentages, since the carrier with the biggest percentage cut doesn't always offer the lowest combined cost.
| State Farm | $2,391 | $729 |
| Amica | $2,765 | $438 |
| Allstate | $4,064 | $1,509 |
| Nationwide | $4,863 | $946 |
| Farmers | $5,115 | $1,053 |
Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
Companies Offering the Biggest Bundle Discount in Rhode Island
Allstate offers Rhode Island's largest bundle discount at 27%, saving policyholders $1,509 per year, the highest dollar savings of any carrier in the state. State Farm's 23% discount produces $729 in annual savings, less in percentage and dollar terms than Allstate, yet State Farm's total annual bundled premium of $2,391 is $1,673 cheaper than Allstate's $4,064. For Rhode Island shoppers, a high discount percentage reflects how much a carrier reduces its own base price, not how low the final bill will be.
| Allstate | 27% | $1,509 | $4,064 |
| State Farm | 23% | $729 | $2,391 |
| Farmers | 17% | $1,053 | $5,115 |
| Nationwide | 16% | $946 | $4,863 |
| Amica | 14% | $438 | $2,765 |
Rates are for a 40-year-old with good credit and a clean driving record with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible.
FINDING HOME AND AUTO BUNDLE INSURANCE IN RHODE ISLAND
Rhode Island's Atlantic coastline and Narragansett Bay communities have substantial hurricane and nor'easter risk, and some insurers impose restrictions or elevated deductibles for coastal properties. Rhode Island is one of the smallest insurance markets in the country; the limited number of active carriers reduces competition and can constrain bundle options, particularly in coastal ZIP codes. Flood coverage is excluded from standard homeowners policies in Rhode Island and requires a separate NFIP or private flood policy, a critical gap for coastal and bay-area policyholders. All providers in MoneyGeek's analysis are actively writing in Rhode Island.
How to Get Cheap Home and Auto Bundle Insurance in Rhode Island
Rhode Island homeowners pay elevated insurance premiums driven by Atlantic coast and Narragansett Bay exposure to hurricanes and nor'easters, and the state's small carrier market limits competition and bundle options compared to larger states. Knowing which levers to pull can make a material difference in what you pay each year.
- 1Choose a Higher Deductible
Raising your home deductible from $500 to $1,000 typically lowers your annual home premium by a meaningful amount; the same logic applies to your auto comprehensive and collision deductibles. Before switching, confirm you have sufficient cash reserves to cover the higher out-of-pocket cost if you need to file a claim, especially important in Rhode Island where a single nor'easter can generate multiple simultaneous claims.
- 2Try a Telematics Auto Program
Telematics programs track speed, braking and mileage and can lower your auto rate meaningfully based on actual driving behavior. State Farm offers Drive Safe & Save, and Progressive offers Snapshot, both available to Rhode Island drivers. These savings stack on top of your existing bundle discount, making telematics one of the most efficient ways to reduce total bundled costs.
- 3Fortify Your Home Against Coastal Storms and Nor'easters
Hurricane and nor'easter exposure along Rhode Island's Atlantic coast and Narragansett Bay is the primary driver of elevated home premiums in the state. Storm-resistant roofing, reinforced windows and doors, and coastal wind mitigation improvements can qualify for home insurance discounts with several carriers. Flood damage requires a separate NFIP or private flood policy regardless of how well your home is fortified, because standard homeowners coverage does not include flood.
- 4Compare Quotes When Your Policy Renews
Bundled annual premiums in Rhode Island range from $2,391 with State Farm to $5,115 with Farmers, a spread of $2,724 per year for comparable coverage. Comparing bundled quotes at renewal takes less time than most homeowners expect and can produce savings that compound year over year, particularly as carrier pricing shifts in response to Rhode Island's evolving coastal risk environment.
Home and Auto Insurance Bundle in Rhode Island: FAQ
Does Rhode Island's coastal location affect home and auto bundle rates and options?
Yes. Rhode Island's Atlantic coastline and Narragansett Bay exposure to hurricanes and nor'easters directly elevates home insurance premiums and limits the number of carriers willing to write coastal properties. MoneyGeek's analysis of 250 quotes across five Rhode Island ZIP codes found that the state's small market means fewer bundle options than most states, and some insurers apply elevated wind deductibles or coverage restrictions for coastal addresses. Shoppers in coastal ZIP codes should confirm a carrier writes their specific location before comparing bundle quotes.
Which company has the best bundle in Rhode Island for coastal homeowners?
Amica earns MoneyGeek's top bundle score of 4.83 out of 5 in Rhode Island and is a strong choice for coastal homeowners due to its exceptional claims-handling reputation and AM Best A+ financial strength rating. State Farm is the most affordable option at $2,391 per year and also has broad market presence in coastal ZIP codes. Both carriers are actively writing in Rhode Island and have established track records responding to storm-related claims in the region.
Should I bundle home and auto insurance in Rhode Island?
Bundling home and auto insurance in Rhode Island is worth considering for most policyholders. Every carrier in MoneyGeek's analysis offers a discount ranging from 14% to 27%, producing annual savings between $438 and $1,509. The key caveat is that the carrier with the biggest discount is not always the cheapest in total: Allstate's 27% discount still results in a $4,064 annual premium, while State Farm's 23% discount produces the lowest total at $2,391. Compare full bundled premiums, not just discount percentages.
Does flood insurance need to be purchased separately in Rhode Island?
Yes. Flood damage is excluded from standard homeowners insurance policies in Rhode Island, just as it is nationwide. Rhode Island coastal and bay-area homeowners have meaningful flood risk from storm surge associated with hurricanes and nor'easters, and a separate NFIP or private flood policy is required to cover that exposure. No bundle from any carrier in MoneyGeek's Rhode Island analysis includes flood coverage.
How do I know if my bundle discount is actually saving me money?
The clearest way to verify bundle savings is to get separate quotes for home and auto from the same carrier and compare the combined total to the bundled price; the difference is your actual dollar savings. In Rhode Island, bundle savings range from $438 per year with Amica to $1,509 per year with Allstate based on MoneyGeek's analysis. Even if the savings look modest in percentage terms, they compound over time, and the convenience of a single carrier for claims is an additional benefit.
What's the difference between a bundle discount and actual bundle savings?
A bundle discount is the percentage reduction a carrier applies to your premiums when you hold both policies with it; actual bundle savings is the dollar amount you save compared to buying the policies separately. In Rhode Island, Allstate has the highest discount at 27% and the highest dollar savings at $1,509 per year, but its total bundled premium of $4,064 is still much higher than State Farm's $2,391. A high discount percentage means the carrier is cutting its own base price substantially; it does not mean the final bill will be the lowest.
MoneyGeek analyzed 250 quotes across 5 Rhode Island ZIP codes to build the rankings on this page. Data sources include Quadrant Information Services, AM Best, J.D. Power, and the Rhode Island Division of Insurance. Figures are averages, and actual rates vary by ZIP code, claims history, and individual profile.
Read our auto insurance methodology to learn more about how we evaluate insurers.
MoneyGeek updates this page with new quote data and carrier rankings as Rhode Island market conditions change. The figures on this page reflect 2026 data collected from Quadrant Information Services across five Rhode Island ZIP codes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!