- Average home insurance cost in Connecticut
- Best home insurance companies in Connecticut
- Cheapest home insurance companies in Connecticut
- Connecticut home insurance rates by ZIP code
- Connecticut homeowners insurance rates by county
- Compare homeowners insurance rates by city in Connecticut
- Compare Connecticut homeowners insurance rates with other states
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.
| Company | AM Best | NAIC complaint ratio | Insurance.com score | Average annual rate |
|---|---|---|---|---|
| Amica Mutual | A+ | 0.35 | 4.65 | $1,700 |
| State Farm | A++ | 0.83 | 4.11 | $1,708 |
| Chubb Ltd | A++ | 0.18 | 3.93 | $2,336 |
| American Family | A | 0.8 | 3.38 | $2,603 |
| Farmers | A | 0.67 | 3.33 | $2,131 |
| National General Insurance | A+ | 0.92 | 3.32 | $1,255 |
| Travelers | A++ | 1.1 | 2.38 | $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.
| 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 TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
The Connecticut Insurance Department says...
"It is important to review your Homeowner, Renters or Condominium policy yearly and especially prior to the start of the Atlantic Tropical Storm season which runs from June 1 through November 30. Review your policy with your agent, a company representative or contact the Connecticut Insurance Department to understand what is covered and what your coverage limits are to ensure you are adequately protected."
- The Connecticut Insurance DepartmentThe 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 code | Average 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 code | Average annual rate |
|---|---|
| 06790 | $1,966 |
| 06811 | $1,984 |
| 06776 | $1,998 |
| 06810 | $2,000 |
| 06060 | $2,002 |
| 06068 | $2,004 |
Connecticut homeowners insurance rates by county
Home insurance rates in Connecticut vary by county. Take a look at the average rates by county in Connecticut below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Fairfield | $2,306 | $192 |
| Hartford | $2,053 | $171 |
| Litchfield | $2,000 | $167 |
| Middlesex | $2,501 | $208 |
| New Haven | $2,417 | $201 |
| New London | $2,543 | $212 |
| Tolland | $2,045 | $170 |
| Windham | $2,081 | $173 |
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.
City Annual insurance premium
Compare Connecticut homeowners insurance rates with other states
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