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Amica is the best homeowners insurance company in Connecticut, based on a 2023 analysis by, 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.

Key takeaways

  • 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 score is calculated out of five using these factors.

Best home insurance companies in Connecticut
Insurance companyAM BestAverage annual rateNAIC Complaint score
Chubb LtdA++$2,2880.164.63
National General InsuranceA+$1,2320.973.92
State FarmA++$1,7821.073.76
American FamilyA$2,6290.63.7

*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.

Cheapest home insurance rates in Connecticut by coverage level
National General Insurance$1,126$1,507$1,859$2,211$2,568
State Farm$1,361$1,782$2,162$2,664$3,133
Chubb Ltd$1,584$2,288$2,967$3,646$4,274
American Family$2,098$2,722$3,497$4,474$5,350

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.


Average home insurance rates in CALIFORNIA

94404 - Foster City
Dwelling $200,000, Deductible $1,000 and Liability $100,000.



Most & least expensive zip codes for homeowners insurance in California

Most Expensive

Zip CodeCityHighest Rate
92391Twin Peaks$1,426
92321Cedar Glen$1,425
92352Lake Arrowhead$1,423

Least Expensive

Zip CodeCityLowest Rate
95051Santa Clara$743

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 codeAverage annual rates

The least expensive ZIP codes in Connecticut for home insurance

The cheapest ZIP codes for home insurance in Connecticut are:

ZIP codeAverage annual rates
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