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.
We found that Connecticut homeowners pay an average of $1,329 per year for a homeowners insurance policy with $300,000 in dwelling coverage. This means Connecticut residents pay around 24% less for home insurance than the average U.S. homeowner.
Compare the best homeowners insurance companies in Connecticut
According to our analysis of homeowners insurance companies in the Nutmeg State, we found Allstate offers the best home insurance in Connecticut.
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. But, keep in mind that USAA is only available to currently enlisted members of the military, veterans, and their families.
Company | Best for... | Average monthly cost | Policygenius rating |
Overall | $113 | 4.8 out of 5 | |
Customer service | $133 | 4.6 out of 5 | |
Coverage options | $190 | 4.5 out of 5 | |
Short-term rental owners | $123 | 4.4 out of 5 |
Methodology & why you can trust our rates
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 Connecticut, 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 Connecticut residents to find the best homeowners insurance in the state.
To get the average rate for each company in Connecticut, we analyzed rates provided by Quadrant Information Services in March 2022 for all ZIP codes across Connecticut 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 overall home insurance in Connecticut: State Farm
2023 Policygenius award winner
State Farm
4.8
Bundle home & auto
Offers extended replacement cost
Offers flood insurance
Offers earthquake insurance
Wind/hail deductible
Offers wildfire insurance
Why we chose it
State Farm is the best home insurance company in Connecticut thanks to its large selection of policy options, high customer service marks, and industry-best financial stability ratings.
Pros and cons
Pros
Top-tier coverage add-ons, including extended replacement cost coverage
High customer satisfaction and financial strength ratings
Offers large discounts when you bundle your home and auto insurance
Cons
No discounts for first-time homebuyers
Rates are about average in Connecticut
More details
Why we chose State Farm
State Farm is our pick for the best home insurance company in Connecticut. For one, State Farm lets homeowners get extended replacement cost coverage for their homes, replacement cost coverage for their personal property, water backup protection, and more.
State Farm's customer service is highly rated, too. The company has received high ratings from policyholders, according to J.D. Power’s 2022 customer satisfaction, claims, and digital experience surveys. It has also received the highest rating possible from A.M. Best for financial strength and stability.
In Connecticut, State Farm's rates are in line with the statewide average. The company doesn't offer as many discounts as other insurers in the state, but if you're planning to bundle home and auto insurance with State Farm, you may receive a large discount.
How do State Farm home insurance rates compare to the Connecticut average?
The average cost of home insurance from State Farm in Connecticut is $1,359 per year, which just $30 more expensive per year than the statewide average.
How to get a quote
Online through State Farm or by contacting your local State Farm agent.
Best home insurance for customer service: Amica
2023 Policygenius award winner
Amica
4.6
Why we chose it
Amica is the best home insurance company in Connecticut if you're looking for highly rated customer service. Amica also has many great ways to customize a basic policy and a unique dividend policy option that can reduce the cost of your insurance.
Pros and cons
Pros
Earned #1 ranking in J.D. Power’s claims and customer satisfaction surveys
Lots of coverage add-ons, including extended replacement cost coverage
Unique dividend policy option to earn up to 20% back on insurance premiums each year
Cons
More expensive than average in Connecticut
More details
Why we chose Amica
Amica has the best customer service ratings of any insurer in Connecticut. Amica has consistently been rated highly on J.D. Power's Claims and Customer Satisfaction Surveys. The company also has a superior A+ rating from AM Best and 20% fewer complaints according to the National Association of Insurance Commissioners than other companies.
Amica's coverage options stack up well against other companies, too. Homeowners can get guaranteed and extended replacement cost coverage for their homes, replacement cost coverage for their personal property, water backup protection, coverage for computers and smart devices, and more.
Finally, Amica offers a unique dividend perk that could help you lower the cost of your home insurance. If you buy a dividend policy instead of a basic policy, you could earn back between 5% and 20% of the cost of your insurance each year, depending on how well the company does financially.
How do Amica home insurance rates compare to average in Connecticut?
The average cost of Amica home insurance in Connecticut is $1,593 per year, which is 20% more expensive than the statewide average of $1,329 per year.
How to get a quote
Online through Amica
Best home insurance for coverage options: Farmers
2023 Policygenius award winner
Farmers
4.5
Offers extended replacement cost
Bundle home & auto
Smart home discounts
Why we chose it
Farmers is the best home insurance company in Connecticut for homeowners who want to add coverage to their policies. Farmers also has affordable rates, a range of discounts, and high claims satisfaction scores.
Pros and cons
Pros
Optional extended or guaranteed replacement cost dwelling coverage
Receives few complaints from policyholders and has a high claims satisfaction score
Cheaper rates than average in Connecticut
Cons
Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys
More details
Why we chose Farmers
Farmers is the best homeowners insurance company in Connecticut if you want to add coverage to a basic policy, including guaranteed or extended replacement cost coverage, water backup protection, and a personal articles floater.
Farmers also earned a high score in J.D. Power’s 2022 claims satisfaction study (though it was below-average on J.D. Power’s overall customer satisfaction and digital experience surveys). Plus, Farmers receives fewer complaints than average, according to the National Association of Insurance Commissioners.
There are a few ways that homeowners can lower their rates with discounts. Farmers is one of the best companies for bundling home and auto coverage (you could save up to 18% on your premiums by bundling). The company also offers more than a dozen other discounts, many of which are easy for most homeowners to qualify for.
How do Farmers home insurance rates compare to the average in Connecticut?
The average cost of Farmers home insurance in Connecticut is $1,060 per year, which is 20% cheaper than the state's average annual premium of $1,329 per year.
How to get a quote
Online through Farmers
Best home insurance for short-term rental owners: Allstate
2023 Policygenius award winner
Allstate
4.5
Bundle home & auto
Smart home discounts
Why we chose it
Airbnb hosts in Connecticut may like Allstate thanks to HostAdvantage — the affordable short-term rental coverage that can be easily added to any policy. Whether you’re looking for basic or comprehensive home insurance coverage, Allstate is a top pick.
Pros and cons
Pros
Offers HostAdvantage for short-term rental coverage
Offers water backup protection, other endorsements
Cons
Beginning to pull back coverage in high-risk areas
Customer experience scores with J.D. Power are below the segment average
Rates are slightly higher than average in Connecticut
More details
Why we chose Allstate
If you're looking to cover your short-term rental (whether it's in Connecticut or nearby New York City), Allstate's HostAdvantage makes it our top pick for homeowners insurance in Connecticut. HostAdvantage comes with theft protection, coverage for your damaged property ($10,000 per host period), and a $25 discount on cleaning services from Merry Maids.
Allstate also offers a few coverages that you can add to your home insurance policy for more protection. This includes water backup protection, scheduled personal property coverage, and identity theft restoration coverage.
How do Allstate home insurance rates compare to the Connecticut average?
The annual average cost of Allstate home insurance in Connecticut is $1,480 per year, just 11% more expensive than the statewide average.
How to get a quote
Online through Policygenius or Allstate, or by contacting a local Allstate agent.
How much is homeowners insurance in Connecticut?
The average cost of homeowners insurance in Connecticut is $1,329 per year, or $111 a month, for an insurance policy with $300,000 in dwelling coverage. This means insurance in Connecticut is 24% cheaper than the national average.
Connecticut homeowners insurance rates by city
We calculated the cost of home insurance in Connecticut's largest cities and found that Danbury is the cheapest big city for homeowners insurance in the state, while New Haven is the most expensive.
Here’s a look at the average cost of home insurance in the 20 largest cities in Connecticut.
City | Average monthly cost | Average annual cost | Difference from state average (%) |
|---|---|---|---|
Bridgeport | $134 | $1,606 | 21% |
New Haven | $151 | $1,817 | 37% |
Stamford | $110 | $1,324 | 0% |
Hartford | $123 | $1,479 | 11% |
Waterbury | $122 | $1,467 | 10% |
Norwalk | $119 | $1,427 | 7% |
Danbury | $99 | $1,191 | -10% |
New Britain | $108 | $1,295 | -3% |
Bristol | $100 | $1,203 | -9% |
Meriden | $115 | $1,385 | 4% |
West Haven | $136 | $1,627 | 22% |
Middletown | $111 | $1,329 | 0% |
Shelton | $105 | $1,254 | -6% |
Norwich | $113 | $1,356 | 2% |
Torrington | $113 | $1,350 | 2% |
New London | $140 | $1,684 | 27% |
Ansonia | $123 | $1,479 | 11% |
Derby | $121 | $1,448 | 9% |
Groton | $141 | $1,691 | 27% |
East Haven | $134 | $1,605 | 21% |
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 limit | Average annual cost |
|---|---|
$100,000 | $645 |
$200,000 | $987 |
$300,000 | $1,329 |
$400,000 | $1,689 |
$500,000 | $2,090 |
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, MAPFRE, Farmers, and UPC have the cheapest average home insurance rates in Connecticut.
In addition to these insurers, four other companies have average home insurance rates below Connecticut's average of $1,329 per year.
Company | Average annual cost |
|---|---|
Vermont Mutual | $720 |
$910 | |
$1,049 | |
$1,060 | |
$1,063 | |
$1,077 | |
$1,124 | |
$1,259 | |
$1,317 | |
$1,359 | |
$1,480 | |
$1,593 | |
$2,310 | |
$3,552 |
Cheapest Connecticut homeowners 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.
Company | Average annual cost |
|---|---|
Vermont Mutual | $1,254 |
UPC Insurance | $1,414 |
National General | $1,574 |
Progressive | $1,705 |
MAPFRE Insurance | $1,781 |
Narragansett Bay | $1,783 |
Farmers | $1,925 |
Amica | $1,952 |
Allstate | $1,978 |
The Andover Companies | $2,098 |
USAA | $2,168 |
State Farm | $2,315 |
Chubb | $4,977 |
Travelers | $12,457 |
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 in Connecticut for a home over 100 years old.
Company | Average annual cost |
|---|---|
Vermont Mutual | $721 |
Farmers | $977 |
National General | $1,013 |
UPC Insurance | $1,035 |
The Andover Companies | $1,077 |
MAPFRE Insurance | $1,098 |
Narragansett Bay | $1,124 |
USAA | $1,301 |
Progressive | $1,338 |
Allstate | $1,410 |
Amica | $1,589 |
State Farm | $1,670 |
Chubb | $2,067 |
Travelers | $4,983 |
Cheapest Connecticut homeowners insurance if you have a history of claims
Claims history is one of the most important factors insurers use when determining 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.
Company | Average annual cost |
|---|---|
Vermont Mutual | $840 |
The Andover Companies | $1,077 |
National General | $1,171 |
UPC Insurance | $1,516 |
Progressive | $1,617 |
USAA | $1,801 |
State Farm | $1,878 |
Narragansett Bay | $2,067 |
MAPFRE Insurance | $2,275 |
Allstate | $2,320 |
Farmers | $2,575 |
Amica | $3,347 |
Chubb | $3,527 |
Travelers | $5,344 |
Coverage options in Connecticut
When looking at how much each insurance company charges for different coverage levels and risks, you should also be aware of what your policy does and doesn’t cover.
Before you buy homeowners insurance in Connecticut, you should be sure you're protected against the state's flooding and winter weather.
Flood insurance
Homeowners insurance doesn't cover damage from floods. Although only a little more than 2% of homes in Connecticut have flood insurance, you should consider getting a flood insurance policy if you live on the coast or in a low-lying part of the state.
Some companies offer flood endorsements or even separate flood insurance policies. Connecticut homeowners can compare private flood insurance companies in the state with Policygenius, or choose a policy through a government entity like the National Flood Insurance Program (NFIP).
Insurance for wintry weather
Connecticut's winters might lead to conditions that could damage your home, like heavy snow and fierce winds. Fortunately, most home insurance policies cover damage from wintry weather, like windstorms, frozen pipes, collapsed roofs, and more.
That said, it's always a good idea to make sure that your home is fully protected by adding extended or guaranteed replacement cost coverage to your dwelling coverage if it's available. That way, you will have enough insurance to fully rebuild your home if it were damaged.
How to buy homeowners insurance in Connecticut
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.
Here are a few steps to follow as you shop for homeowners insurance in Connecticut.
Frequently asked questions
What is the average cost of homeowners insurance in Connecticut?
The average cost of homeowners insurance in Connecticut is $111 per month or $1,329 per year.
How does home insurance in Connecticut compare to the national average?
The average home insurance premium in Connecticut is $1,329 per year. This is $570 cheaper than the national average at $1,754. 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?
Home insurance rates in Hartford, Connecticut are around 10% higher than the statewide average, ringing in at $1,682 per year or $140 a month.
