We looked at average costs, 3rd-party ratings, and policy options to find the best and cheapest homeowners insurance companies in Connecticut.
By
Laura GunnLaura GunnFreelance contributorLaura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.&Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.
Expert reviewedExpert reviewedThis article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.Learn more about oureditorial review process.
Connecticut is often at risk of coastal storms and severe winter weather, so it's vitally important for state residents to ensure their homes are protected with a quality homeowners insurance policy.
Connecticut homeowners pay an average of $1,359 per year for a homeowners insurance policy with $300,000 in dwelling coverage, according to a Policygenius analysis of 2022 premiums. This means Connecticut residents pay around 28% less for home insurance than the average U.S. homeowner.
Compare the best homeowners insurance companies in Connecticut
According to Policygenius' analysis of the best homeowners insurance companies in Connecticut, we found Allstate offered the cheapest and best insurance coverage for most of the state's homeowners.
USAA had the highest rating in our analysis thanks to its combination of low rates, excellent customer service and financial strength ratings, and comprehensive policy options. However, keep in mind that USAA is only available to currently enlisted members of the military, veterans, and their families.
Hot tip: Click on each company name in the table to jump down to why they made our best list.
At Policygenius, our educational guides are written and fact-checked by licensed home insurance experts and reviewed by our Financial Review Council to ensure autonomy, expertise, and accuracy.
To find the best home insurance companies in Texas, we analyzed over 30,000 quotes from the 15 largest insurance companies in the state to find the average cost of homeowners insurance with each company in 2022.
When analyzing costs for different coverage levels and risk factors, we changed just one variable at a time to ensure the rates we’re comparing are fair and representative of the factor at hand.
We then looked at J.D. Power customer satisfaction scores, AM Best financial health ratings, quality of policy options, discounts, and compared that with the coverage needs of Texas residents to find the best homeowners insurance in Texas.
To get the average rate for each company in Texas, we analyzed rates provided by Quadrant Information Services in March 2022 for 1,930 ZIP codes in Texas for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:
Dwelling: $300,000
Other structures: $30,000
Personal property: $150,000
Loss of use: $60,000
Liability: $300,000
Medical: $1,000
All rates based on the above coverage limits except where otherwise noted.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs — your actual quotes may differ.
Best for most people: Allstate
Allstate
Allstate's mix of exceptional customer satisfaction ratings, personalized coverage options, and numerous discount opportunities make it one of the most popular homeowners insurance companies on the market.
Pros
Several coverage add-ons, including ones for roof surfaces, water backup, green improvements, and mold protection
8+ discounts, including autopay, bundling, zero claims, and new homebuyer
Get up to 25% off your premiums when you bundle home and auto insurance
File and track claims online or through its mobile app
Cons
Lower-than-average claim satisfaction and digital experience ratings from J.D. Power
Why Allstate is the best company for most Connecticut homeowners
Allstate’s extensive policy options and excellent customer service and financial strength ratings make it the best overall option for Connecticut homeowners. With tiered coverage ranging in price, potential customers can choose between the basic, standard, or enhanced coverage with many optional add-ons, including water backup, green improvements, and mold coverage.
How to get a quote
Online through Policygenius or Allstate
Best for customer service: Amica
Amica
Amica is known for its award-winning customer service and claims satisfaction ratings, as well as highly customizable home insurance policy options.
Pros
Customer service and claims satisfaction ratings are best in the business
Numerous policy perks, like the dividend program that refunds a portion of your premiums at the end of the year
Contractor referral program helps you find a certified contractor for repairs after you file a claim
File and track claims online or through its highly rated mobile app
Why Amica is the best Connecticut company for customer service
Amica made our best list because of their high customer satisfaction ratings and contractor referral program. After filing a claim, Amica agents will help you find a qualified contractor to complete the necessary work after a coverage loss. This helps eliminate some of the stress homeowners feel after filing a claim.
How to get a quote
Online through Amica
Best for first-time homeowners: State Farm
State Farm
There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.
Pros
Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage
Get up to $1 million in personal liability coverage
Score discounts for bundling, installing security devices, and choosing a high deductible
File and track claims online, over the phone, in person, or through its mobile app
High customer satisfaction and financial strength ratings
Cons
No discounts for first-time homebuyers or going a year without a claim
Why State Farm is the best Connecticut company for first-time homeowners
State Farm scored an 835 out of 1,000 in J.D. Power’s 2021 home insurance study — good for 4th place — making it onto our list of the best homeowners insurance companies in Connecticut. The insurance giant combines great customer service, flexible coverage options, and an excellent website and mobile app experience. If you’re a new or soon-to-be homeowner looking for reliable, affordable coverage from a proven insurance company, you can’t go wrong with State Farm.
How to get a quote
Online through State Farm
Best for high-value homes: Chubb
Chubb
Chubb is a top-tier insurer ideal for high-value homes that need more robust coverage that goes beyond the run-of-the-mill options offered by traditional insurance companies.
Pros
Base policies include extended replacement cost coverage for your home and replacement cost coverage for your personal property — two perks that cost extra with most other companies
Helps you find temporary living arrangements if your home can't be lived in after a covered loss
No deductible on losses greater than $50,000
Cash-out claim settlement option means you can still get paid even if you decide not to repair your home after a covered loss
Why Chubb is the best Connecticut company for high-value homes
Chubb is one of the premier companies in the business because of its industry-best coverage options. Not only do Chubb's homeowners policies include dwelling coverage enhancements like extended replacement cost coverage, but also replacement cost coverage for your personal belongings. Most insurance companies charge extra for these coverage options and add-ons, but Chubb considers this standard protection.
How to get a quote
Online through Policygenius or Chubb
Best for military veterans: USAA
USAA
USAA's robust coverages and high marks for customer service and claims satisfaction make it a solid home insurance option for military members and their families.
Pros
Score discounts for zero claims, being a loyal USAA member, opting into e-billing, and more
Base policy includes coverages that cost extra with most other companies
Offers earthquake coverage — which is hard to come by
Get discounted home security systems and a discount on premiums through its partnership with ADT
Industry-best customer service and claims satisfaction ratings
Cons
Only available to military families
Doesn’t offer extended or guaranteed replacement cost dwelling coverage
Why USAA is the best Connecticut company for military veterans
USAA serves military members and their families, and they provide great benefits for those individuals in the state of Connecticut, offering great coverage options at affordable prices. Plus, they have a long list of available discounts to make those premiums even more affordable.
How to get a quote
Online through USAA
How much is homeowners insurance in Connecticut?
The average cost of homeowners insurance in Connecticut is $1,359 per year, or roughly $113 a month, for a policy with $300,000 in dwelling coverage.
However, your own home insurance rates will depend on factors like your home’s age, construction style, and location, as well as personal factors like your credit score and claims history.
UPDATE: Home insurance premiums up 9.5% in Connecticut
Home insurance premiums in Connecticut increased 9.5% from May 2021 to May 2022, according to our latest analysis of internal policyholder data. This is likely due to a mix of rising inflation, labor shortages, and severe natural disasters that have caused insurance companies to increase rates and establish stricter underwriting rules to offset the risks.
Based on our analysis of average premiums in Connecticut's 20 largest cities, we found that Greenwich has the most affordable home insurance costs, while West Haven and New Haven are the most expensive.
City
Average monthly cost
Average annual cost
Difference from state average (%)
Bridgeport
$134
$1,606
18%
Bristol
$114
$1,373
1%
Danbury
$116
$1,387
2%
East Hartford
$112
$1,343
-1%
Fairfield
$115
$1,374
1%
Greenwich
$108
$1,301
-4%
Hamden
$120
$1,443
6%
Hartford
$125
$1,501
10%
Manchester
$118
$1,416
4%
Meriden
$115
$1,385
2%
Middletown
$111
$1,329
-2%
Milford
$133
$1,594
17%
New Britain
$114
$1,362
0%
New Haven
$151
$1,817
34%
Norwalk
$119
$1,427
5%
Stamford
$110
$1,324
-3%
Stratford
$122
$1,470
8%
Waterbury
$124
$1,492
10%
West Hartford
$115
$1,381
2%
West Haven
$136
$1,627
20%
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Connecticut homeowners insurance rates by coverage amount
The table below highlights the average annual premium in Connecticut for five different levels of dwelling coverage, which is the part of your policy that covers structural damage to your home.
Generally speaking, more dwelling coverage means higher homeowners insurance rates, as shown in the table below.
Dwelling coverage level
Average annual cost
$100,000
$791
$200,000
$1,181
$300,000
$1,359
$400,000
$1,983
$500,000
$2,452
Connecticut homeowners insurance rates by deductible amount
A deductible is the amount you're responsible for contributing toward each claim. For example, if you're seeking a claim payout for $10,000 in roof damage and you have a $1,000 deductible, you'll have to pay the first $1,000 of the claim before your insurer will cover the remaining $9,000.
As demonstrated in the table below, a high policy deductible means lower home insurance rates — and vice versa.
The cheapest homeowners insurance companies in Connecticut
Based on our analysis of home insurance quotes in every Connecticut ZIP code, we found that Vermont Mutual, National General, and MAPFRE have the cheapest average home insurance rates in Connecticut, with average premiums of $692, $899, and $1,013, respectively.
In addition to these insurers, six other companies have average home insurance rates below the Connecticut average of $1,359 per year, including Farmers, USAA, and Progressive.
Company
Average annual cost
Vermont Mutual
$692
National General
$899
MAPFRE Insurance
$1,013
The Andover Companies
$1,030
Farmers
$1,040
UPC Insurance
$1,040
Narragansett Bay
$1,121
USAA
$1,233
ASI Progressive
$1,321
State Farm
$1,363
Allstate
$1,402
Amica
$1,556
Farmers
$2,279
Chubb
$2,310
Travelers
$4,839
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Cheapest Connecticut home insurance if you have poor credit
A poor credit score often means higher home insurance premiums, as insurers view homeowners with low credit as more likely to rely on homeowners insurance to cover small repairs or losses.
With an average rate of $1,254 per year, Vermont Mutual has the cheapest home insurance rates in Connecticut for a homeowner with poor credit, while Traveler’s average yearly premium of $12,457 is the highest.
Company
Average annual cost
Difference from base rate (%)
Vermont Mutual
$1,254
-8%
UPC Insurance
$1,414
4%
National General
$1,574
16%
ASI
$1,705
25%
MAPFRE Insurance
$1,781
31%
Narragansett Bay
$1,783
31%
Farmers
$1,925
42%
Amica
$1,952
44%
Allstate
$1,978
46%
The Andover Companies
$2,098
54%
USAA
$2,168
60%
State Farm
$2,315
70%
Farmers
$2,872
111%
Chubb
$4,977
266%
Travelers
$12,457
817%
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Cheapest Connecticut homeowners insurance if you have an older home
Older homes can be costly to insure, as they're more prone to structural damage than a newer build, and they're often constructed with materials and features that are more expensive to replace.
With an average annual premium of $721, Vermont Mutual offers the cheapest home insurance rates for a home over 100 years old, while Travelers is the most expensive.
Company
Average annual cost
Difference from base rate (%)
Vermont Mutual
$721
30%
Farmers
$977
82%
UPC Insurance
$1,035
83%
National General
$1,060
160%
The Andover Companies
$1,077
38%
MAPFRE Insurance
$1,098
64%
Narragansett Bay
$1,124
122%
USAA
$1,227
60%
ASI
$1,261
142%
Allstate
$1,410
28%
Amica
$1,622
47%
State Farm
$1,676
82%
Chubb
$1,839
7%
Farmers
$2,200
47%
Travelers
$5,017
157%
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Cheapest Connecticut home insurance if you have a history of claims
Claims history is one of the biggest factors insurers use to determine home insurance premiums. If you have multiple claims on your record, you'll typically pay more for home insurance, as insurers will consider you more likely to file future claims than a homeowner with a spotless claims history.
With an average annual premium of $840, Vermont Mutual offers the cheapest home insurance rates in Connecticut for a homeowner that's filed three claims within a five-year period, while Travelers is once again the most expensive.
Company
Average annual cost
Difference from base rate (%)
Vermont Mutual
$840
16%
The Andover Companies
$1,077
0%
National General
$1,171
29%
UPC Insurance
$1,516
43%
ASI
$1,617
23%
USAA
$1,801
43%
State Farm
$1,878
13%
Narragansett Bay
$2,067
84%
MAPFRE Insurance
$2,275
117%
Allstate
$2,320
57%
Farmers
$2,575
13%
Amica
$3,347
110%
Chubb
$3,527
53%
Farmers
$4,073
284%
Travelers
$5,344
8%
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Wind mitigation discounts in Connecticut
Many home insurance companies in Connecticut offer wind mitigation discounts for installing permanent storm shutters or impact-resistant glass to better help your home withstand high winds and flooding caused by hurricanes or strong windstorms.
Finding the right homeowners insurance is more than just searching for the cheapest rates and choosing the first policy you find. You want to make sure the policy you select has the right coverage amounts and covers the specific needs of your home and area.
5 simple steps to buying home insurance in Connecticut
Reach out to a licensed Policygenius agent. Our team of license insurance experts are ready to help you find the right coverage at the right price without skimping on coverage.
Consider purchasing flood insurance. Depending on your proximity to the coast, you could be at a higher risk of hurricane or flood damage. Standard homeowners policies don't cover flooding, so if you live in a floodplain or close to the beach, you may want to consider a separate flood insurance policy. A Policygenius can provide you options and help determine the best option.
Figure out how much deductible you can afford. Increasing your deductible can lower your rate, but it also means you’ll be paying more out of pocket on each claim.
Compare quotes from a Policygenius agent. Once you've figured out your coverage needs and input a few details about your home, a Policygenius agent will walk you through quotes from several different companies to help you find the right policy at the best price.
Choose your policy, sign it, and pay your first premium. The only thing left to do is sign your policy and pay your first premium. Your Policygenius agent will complete all the paperwork for you and even cancel any existing policies.
What is the average cost of homeowners insurance in Connecticut?
The average cost of homeowners insurance in Connecticut is $131 per month or $1,571 per year.
How does home insurance in Connecticut compare to the national average?
The average home insurance premium in Connecticut is $1,571 per year. This is over $300 lower than the national average at $1,899. The average cost of home insurance in each state is determined by weather and crime risks, as well as home values in each area.
How can I lower my homeowners insurance in Connecticut?
You can lower your homeowners insurance in Connecticut by taking advantage of discounts offered through your home insurance company. This might mean bundling your home and auto policies together for discounts, or adding security systems to your home.
Is it mandatory to have homeowners insurance in Connecticut?
There are no state or local laws that require homeowners insurance in Connecticut, but it is required by most mortgage lenders. Lenders have a financial stake in your property, and they want to make sure the home is fully protected until it's paid off.
Is home insurance in Hartford, Connecticut more expensive?
Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.
Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.
Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.
