Amica is the best homeowners insurance company in Connecticut, based on a 2023 analysis by Insurance.com, with an overall rating of 4.64. Chubb Ltd is the second-best home insurance company in Connecticut, with an overall rating of 4.63.
Amica also offers the cheapest home insurance in Connecticut at all coverage levels.
With so many options out there, it is not easy to choose a homeowners insurance company in Connecticut. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.
- The average cost of homeowners insurance in Connecticut is $2,100 a year or $175 a month.
- The cheapest homeowners insurance company in Connecticut is Amica with an average home insurance rate of$1,232 a year.
- Amica also ranks as the best homeowners insurance in Connecticut for 2023.
Average home insurance cost in Connecticut
The average cost of homeowners insurance in Connecticut is $2,100 a year or $175 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
- 2% hurricane deductible
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, your home's age, among other factors. It’s a good idea to compare price quotes from different Connecticut homeowners insurance companies to get the best deal.
Best home insurance companies in Connecticut
The best home insurance company in Connecticut for 2023 is Amica, followed by Chubb Ltd and USAA.
Below is a full list of the top Connecticut insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| Amica | A+ | $1,507 | 0.26 | 4.64 |
| Chubb Ltd | A++ | $2,288 | 0.16 | 4.63 |
| USAA | A++ | $1,517 | 0.41 | 4.61 |
| Farmers | A | $2,722 | 0.33 | 3.98 |
| National General Insurance | A+ | $1,232 | 0.97 | 3.92 |
| State Farm | A++ | $1,782 | 1.07 | 3.76 |
| American Family | A | $2,629 | 0.6 | 3.7 |
| Travelers | A++ | $5,240 | 0.6 | 3.09 |
*USAA only provides coverage to military members, veterans and their families.
Cheapest home insurance companies in Connecticut
Below are Connecticut home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see Amica has the most affordable rates in every category.
| Company | $200,000 | $300,000 | $400,000 | $500,000 | $600,000 |
|---|---|---|---|---|---|
| Amica | $1,148 | $1,232 | $1,431 | $1,654 | $1,894 |
| National General Insurance | $1,126 | $1,507 | $1,859 | $2,211 | $2,568 |
| USAA | $1,148 | $1,517 | $1,852 | $2,176 | $2,486 |
| State Farm | $1,361 | $1,782 | $2,162 | $2,664 | $3,133 |
| Chubb Ltd | $1,584 | $2,288 | $2,967 | $3,646 | $4,274 |
| Farmers | $2,157 | $2,629 | $3,118 | $3,581 | $3,996 |
| American Family | $2,098 | $2,722 | $3,497 | $4,474 | $5,350 |
| Travelers | $4,405 | $5,240 | $6,084 | $6,906 | $7,921 |
Connecticut home insurance rates by ZIP code
Home insurance rates can vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Connecticut to see which areas are the most and least expensive.
The most expensive ZIP codes in Connecticut for home insurance
Connecticut homeowners insurance rates are the most expensive for ZIP code 06413 with an average annual cost of $3,128.
The most expensive ZIP codes in Connecticut are:
| ZIP code | Average annual rates |
|---|---|
| 06413 | $3,128 |
| 06475 | $3,116 |
| 06498 | $3,107 |
| 06378 | $2,969 |
| 06357 | $2,933 |
| 06379 | $2,914 |
The least expensive ZIP codes in Connecticut for home insurance
The cheapest ZIP codes for home insurance in Connecticut are:
| ZIP code | Average annual rates |
|---|---|
| 06790 | $1,901 |
| 06085 | $1,913 |
| 06010 | $1,930 |
| 06030 | $1,941 |
| 06098 | $1,951 |
| 06035 | $1,953 |
