Providence life insurance pricing per per year
Life Insurance cost per per year in Providence, Rhode Island in 2026.
Low
$278
Average
$2,923
High
$5,568
Multiply local unit rates by your real measurements.
What drives life insurance prices in Providence
Local labor, permitting and climate move Providence prices away from the national average.
Labor market
Licensed trade labor in Providence runs about 116% of the national average, and the best crews book out fastest in spring and early summer.
Permits
Most Providence, RI projects that change structure, electrical, plumbing or mechanical systems need a permit from the local building department; cosmetic work usually does not.
Climate
Rhode Island weather drives material choices here, so ask contractors what they install most often in Providence and why.
Providence questions
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