Average home insurance cost in Connecticut

The average cost of homeowners insurance in Connecticut is $2,231 a year or $186 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 is Amica Mutual, followed by State Farm and Chubb Ltd.

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.

Best home insurance companies in Connecticut
CompanyAM BestNAIC complaint ratioInsurance.com scoreAverage annual rate
Amica MutualA+0.354.65$1,700
State FarmA++0.834.11$1,708
Chubb LtdA++0.183.93$2,336
American FamilyA0.83.38$2,603
FarmersA0.673.33$2,131
National General InsuranceA+0.923.32$1,255
TravelersA++1.12.38$5,225

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.

Cheapest home insurance rates in Connecticut by coverage level
Company$200,000$300,000$400,000$600,000$1,000,000
National General Insurance$1,169$1,255$1,458$1,926$2,711
Amica Mutual$1,253$1,700$2,112$2,943$4,635
State Farm$1,320$1,708$2,059$2,850$4,268
USAA*$1,340$1,783$2,188$2,953$4,399
Farmers$1,617$2,131$2,709$4,138$6,218
Chubb Ltd$1,632$2,336$3,015$4,321$6,704
American Family$2,148$2,603$3,073$3,907$5,216
Travelers$4,339$5,225$6,238$8,708$13,906

*USAA only provides coverage to military members, veterans and their families.

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.

Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.

Home insurance calculator

Average home insurance rates in Texas
$200,000
$200,000 $300,000 $400,000 $600,000 $1,000,000
$100,000
$100,000 $300,000
Standard ($1000)
Standard ($1000) Hurricane (2% of insured value)

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP CodeCityHighest Rate
77550Galveston$10,164
77586El Lago$9,906
77551Galveston$9,536
77554Galveston$9,358

Least expensive

ZIP CodeCityLowest Rate
78559Iglesia Antigua$1,956
78593Santa Rosa$1,999
79915El Paso$2,008
79905El Paso$2,009
Data refreshed as of Apr 2024

The most expensive ZIP codes in Connecticut for home insurance 

Connecticut homeowners insurance rates are the most expensive for ZIP code 06378, with an average annual cost of $3,220.

The most expensive ZIP codes in Connecticut are:

ZIP codeAverage Annual Premium
06378$3,220
06443$3,141
06379$3,114
06357$3,104
06320$3,087
06405$3,069

The least expensive ZIP codes in Connecticut for home insurance

The cheapest ZIP codes for home insurance in Connecticut are:

ZIP codeAverage annual rate
06790$1,966
06811$1,984
06776$1,998
06810$2,000
06060$2,002
06068$2,004

Compare homeowners insurance rates by city in Connecticut

Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns, crime rates, and property values. You must consider these factors and compare quotes from different insurers to get the best deal on home insurance for your specific city in Connecticut.

CityAnnual insurance premium
Bridgeport
$1,987
Bristol
$1,504
Danbury
$1,532
Hartford
$1,645
Meriden
$1,708
Middletown
$1,677
Milford
$2,120
New Britain
$1,580
New Haven
$1,947
New London
$2,178
Newtown
$1,636
Norwalk
$1,909
Stamford
$1,741
Wallingford
$1,747
Waterbury
$1,695

Compare homeowners insurance rates with other states

Alabama
$3,066/year
Alaska
$1,799/year
Arizona
$1,966/year
Arkansas
$4,073/year
Colorado
$3,388/year
Delaware
$1,389/year
Florida
$4,218/year
Georgia
$2,163/year
Hawaii
$582/year
Idaho
$1,892/year
Illinois
$2,604/year
Indiana
$2,721/year
Iowa
$2,402/year
Kansas
$4,665/year
Kentucky
$3,163/year
Louisiana
$3,481/year
Maine
$1,407/year
Maryland
$1,630/year
Massachusetts
$1,518/year
Michigan
$2,607/year
Minnesota
$2,327/year
Mississippi
$3,398/year
Missouri
$3,349/year
Montana
$2,874/year
Nebraska
$4,624/year
Nevada
$1,457/year
New Hampshire
$1,144/year
New Jersey
$1,299/year
New Mexico
$2,542/year
New York
$1,728/year
North Carolina
$2,768/year
North Dakota
$2,946/year
Ohio
$2,017/year
Oklahoma
$4,945/year
Oregon
$1,503/year
Pennsylvania
$1,760/year
Rhode Island
$1,774/year
South Carolina
$2,727/year
South Dakota
$3,529/year
Tennessee
$2,870/year
Texas
$4,142/year
Utah
$1,421/year
Vermont
$1,175/year
Virginia
$1,999/year
Washington
$1,659/year
West Virginia
$1,801/year
Wisconsin
$1,508/year
Wyoming
$1,801/year
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