State Farm dominates the home and auto bundle market across Rhode Island, offering the most affordable rates at every dwelling coverage level. At $100,000 in dwelling coverage, you'll pay $1,988 per year, while $250,000 coverage costs $2,391 annually. Moving up to $500,000 dwelling coverage brings the rate to $2,937, and $750,000 coverage reaches $3,462 per year. At the $1 million dwelling level, State Farm's rate climbs to $3,954 annually. Use the filters to compare rates at the coverage level that matches your home's value.
Best Cheap Home and Auto Bundle Insurance in Rhode Island
Updated: April 6, 2026
Advertising & Editorial Disclosure
Key Takeaways
State Farm provides Rhode Island's most affordable home and auto bundle at $2,391 per year. Read more.
Allstate delivers Rhode Island's largest bundle discount of 27%, which saves customers $1,509 annually. Read more.
Amica takes the top spot in Rhode Island with a MoneyGeek score of 4.8 out of 5. Read more.
Cheapest Home and Auto Bundle in Rhode Island
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
40
| 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 good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates for different coverage levels.
Companies Offering the Biggest Bundle Discount in Rhode Island
Allstate offers both the highest percentage discount at 27% and the largest dollar savings at $1,509 annually. With a bundled premium of $4,064, it's a good choice for homeowners looking for savings. State Farm is the most affordable overall option at $2,391 per year. Allstate offers the best combination of discounts and competitive rates for most Rhode Island policyholders.
Data filtered by:
$250K Dwelling / $125K Personal Property / $200K Liability
50/100 w/ $1000 Deductible
| 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 good credit driver with $250,000 dwelling coverage and 50/100 auto coverage with a $1,000 deductible. Use the filters to compare rates across different coverage levels.
Best Home and Auto Bundle Companies in Rhode Island
Amica leads Rhode Island's home and auto bundle rankings with a MoneyGeek score of 4.8 out of 5, benefiting from its local headquarters and strong reputation for customer satisfaction and personalized service. State Farm follows closely at 4.7 out of 5, earning its position through competitive pricing and affordability across both auto and home coverage. The Lincoln-based Amica leads in customer experience, while State Farm's extensive agent network provides accessible, budget-friendly bundling options. Both providers offer solid multi-policy discounts for Rhode Island residents looking to streamline their insurance needs.
| Best Overall | Amica | 4.8 | $2,765 |
| Cheapest Bundle | State Farm | 4.7 | $2,391 |
| Runner-Up | State Farm | 4.7 | $2,391 |
| Biggest Discount | Allstate | 4.5 | $4,064 |
Best Overall: Amica
pros
Amica's mutual company structure returns profits to policyholders through annual dividends, a benefit not offered by most competitors in Rhode Island.
Leads Rhode Island's bundle rankings with a 97 out of 100 MoneyGeek score.
Policyholders save $438 per year by bundling home and auto at a 14% discount.
Top-rated customer satisfaction for both auto and homeinsurance helps when filing claims or managing policies.
cons
Auto coverage options rank fourth out of five providers in the analysis, indicating fewer policy features compared to competitors.
Amica's smaller agent network and geographic footprint may limit local service options compared to larger national insurers.
COMPANY HIGHLIGHTS
Amica earns Rhode Island's top home and auto bundle score at 97 out of 100 (4.8 out of 5). The bundled rate of $2,765 per year delivers $438 in annual savings, a 14% discount over separate policies.
As Rhode Island's homegrown insurer, Amica writes both auto and home policies directly without affiliate arrangements. The company offers usage-based auto insurance through its DriveSafe program, which monitors driving habits to provide additional discounts beyond bundle savings. Home policies include enhanced coverage options like guaranteed replacement cost and identity theft protection that go beyond standard Rhode Island market offerings.
Amica's Diamond Service program provides dedicated claim representatives and 24/7 customer support, contributing to the company's #1 ranking in both auto and home customer satisfaction in Rhode Island.
Runner-Up: State Farm
pros
Policyholders save $729 per year by bundling home and auto at a 23% discount
Runner-up bundle provider in Rhode Island with a MoneyGeek score of 94 out of 100
Ranks first in home coverage options and affordability for both auto and home policies in the state
Drive Safe & Save telematics program offers additional discounts for safe driving habits beyond the standard bundle savings
cons
Auto coverage options rank last among the five providers in MoneyGeek's Rhode Island analysis.
Some specialty coverage features may be more limited compared to competitors that focus primarily on property and casualty insurance.
Digital claims experience may not match the streamlined online platforms offered by some regional competitors in the analysis.
COMPANY HIGHLIGHTS
At $2,391 per year, State Farm delivers Rhode Island's second-ranked home and auto bundle with a MoneyGeek score of 94 out of 100 (4.7 out of 5). Policyholders save $729 annually through a 23% bundle discount, with State Farm ranking first statewide for both auto and home affordability.
State Farm's Drive Safe & Save program uses telematics to track driving habits and can reduce auto premiums by up to 30% for safe drivers, stacking with bundle savings. Home policies include coverage options like personal property replacement cost and identity restoration services. Given Rhode Island's coastal location, State Farm offers wind and hail coverage that addresses the state's storm risks without requiring separate policies.
The company's mobile app lets bundled policyholders file claims, view coverage details and make payments in one place. State Farm also provides 24/7 roadside assistance and a network of local agents throughout Rhode Island for personalized service.
How to Get Cheaper Home and Auto Bundle Insurance in Rhode Island
Rhode Island homeowners can cut their bundle costs by adjusting coverage levels and taking advantage of available discounts. Because the state's coastal location affects insurance rates, these money-saving strategies are helpful.
Choose a Higher Deductible
Increasing your home deductible from $500 to $1,000 or higher reduces your premium . You'll pay more out-of-pocket if you file a claim, so make sure you have adequate emergency savings before making this change.
Ask About Usage-Based Auto Discounts
Amica's DriveSafe program and State Farm's Drive Safe & Save track your driving habits through smartphone apps or plug-in devices. Safe drivers can earn additional discounts that stack with your bundle savings.
Improve Your Home's Wind Resistance
Hurricane straps, impact-resistant roofing and storm shutters can qualify for premium discounts in Rhode Island's coastal environment. These wind mitigation features stack with your bundle discount for additional savings.
Keep Your Credit Score Strong
Rhode Island insurers use credit-based insurance scoring for both home and auto coverage. Maintaining good credit helps lower your premiums at renewal time, maximizing your bundle savings.
Home and Auto Insurance in Rhode Island: FAQ
Does Rhode Island's regional risk affect bundle insurance rates?
Yes. Rhode Island's hurricane exposure is the primary driver of high home insurance premiums, which directly increases the cost of bundled home and auto policies. Installing hurricane straps and impact-resistant windows can help offset premium increases.
Which company has the best bundle in Rhode Island for homeowners who want more coverage?
State Farm leads Rhode Island's homeowners insurance market for comprehensive coverage with a MoneyGeek score of 94. The insurer offers equipment breakdown protection, service line coverage and disappearing deductibles that reduce over time without claims. But Amica scores higher overall at 97, making it the superior choice for homeowners seeking both extensive coverage and service quality.
Should I bundle home and auto insurance in Rhode Island?
Yes. All providers in MoneyGeek's Rhode Island analysis save policyholders money through bundling. Rhode Island's insurance market makes combining home and auto coverage one of the smartest ways to reduce overall costs. Bundling also means one insurer, one renewal date and one point of contact. Always compare bundled rates against separate quotes before committing.
Best Auto and Home Insurance Bundle in Rhode Island: Our Methodology
MoneyGeek sourced home and auto bundle premiums from the Rhode Island Department of Business Regulation, Quadrant Information Services, AM Best and J.D. Power. Premiums are averages and vary by ZIP code, claims history and individual profile.
- MoneyGeek score: Weights affordability, customer satisfaction (AM Best and J.D. Power) and coverage quality
- Baseline driver: 40-year-old with good credit, 2021 Toyota Camry, 50/100 full coverage with $1,000 deductible
- Baseline home: $250,000 dwelling, $125,000 personal property, $200,000 liability
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.