- What is the average cost of renters insurance in Connecticut?
- Best renters insurance company in Connecticut: Chubb Ltd
- Cheapest renters insurance in Connecticut
- Connecticut renters insurance: The least and most expensive ZIP codes
- Renters insurance cost in Connecticut by city
- How to save on renters insurance in Connecticut
- Methodology
- FAQ: Connecticut renters insurance
- Compare Connecticut renters insurance rates with other states
What is the average cost of renters insurance in Connecticut?
The average cost of renters insurance in Connecticut is $265 per year. Rates vary depending on factors like your location, the amount of coverage you choose, your deductible, and your claims history.
"The number one thing that's most important is to get good liability. A renter's policy will default to $100,000 liability," Josiah Hatch, an insurance pro with Bender Hatch Insurance in Boston, said. "It costs next to nothing to go from $100,000 to $500,000. I want to say it's probably 10 bucks a year. It's really cheap to get a lot of extra coverage. I always recommend getting the most liability you can because that's, at its core, what insurance is all about: the worst-case scenario."
| Average annual premium | $265 |
| Average monthly premium | $22 |
Best renters insurance company in Connecticut: Chubb Ltd
Chubb Ltd ranks as the best renters insurance company in Connecticut, earning a top score among the carriers we surveyed. Its average rate is $174 per year.
Amica Mutual and American Family are also among the top insurance companies for renters insurance in Connecticut.
Renters insurance rates vary significantly among providers, so you should compare options before choosing. You should also select a company with a good reputation to ensure it will be there if you have a claim.
To help you find the best renters insurance in Connecticut, we evaluated average rates, NAIC complaints ratio, and AM Best financial ratings. We calculated the total Insurance.com score out of five using these factors.
Here are the best renters insurance companies in Connecticut.
| Company | Average annual premium | AM Best | NAIC | Insurance.com rating |
|---|---|---|---|---|
| Chubb Ltd | $174 | A++ | 0.18 | 5 |
| Amica Mutual | $160 | A+ | 0.23 | 4.88 |
| American Family | $308 | A | 0.37 | 4.15 |
| Allstate | $146 | A+ | 0.9 | 3.84 |
| Farmers | $365 | A | 0.54 | 3.69 |
| State Farm | $202 | A++ | 0.95 | 3.67 |
| Travelers | $563 | A++ | 0.54 | 3.26 |
| National General Insurance | $398 | A+ | 0.92 | 3.06 |
Cheapest renters insurance in Connecticut
Our analysis shows that Allstate is the cheapest renters insurance company in Connecticut, with an average annual premium of $146.
Renters insurance rates can differ greatly between providers, so it's best to compare quotes to find affordable coverage that meets your needs.
Here is the list of the cheapest renters insurance companies in Connecticut along with their average annual premiums.
| Company name | Average annual premium |
|---|---|
| Allstate | $146 |
| Amica Mutual | $160 |
| Chubb Ltd | $174 |
| State Farm | $202 |
| American Family | $308 |
| Farmers | $365 |
| National General Insurance | $398 |
| Travelers | $563 |
| USAA | $225 |
Renters insurance calculator
Average renters insurance rates in ConnecticutMost & least expensive ZIP codes for renters insurance in Connecticut
| ZIP code | City | Highest rate |
|---|---|---|
| 06498 | Westbrook | $304 |
| 06615 | Stratford | $303 |
| 06475 | Old Saybrook | $302 |
| 06650 | Bridgeport | $302 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 06068 | Salisbury | $229 |
| 06031 | Falls Village | $229 |
| 06018 | Canaan | $230 |
| 06058 | Norfolk | $230 |
Connecticut renters insurance: The least and most expensive ZIP codes
Where you live in Connecticut directly affects the cost of your renters insurance. The most expensive ZIP code in Connecticut is 6498, where the average annual premium is $304. This is $39 more than higher than the average rate.
In contrast, the least expensive ZIP code for renters insurance is 6031, offering coverage at $229 a year.
The table below shows the most and least expensive ZIP codes in Connecticut for renters insurance.
| ZIP code | Average annual rate |
|---|---|
| 6498 | $304 |
| 6615 | $303 |
| 6650 | $302 |
| 6460 | $301 |
| 6413 | $300 |
| 6414 | $299 |
| 6890 | $298 |
| 6607 | $296 |
| 6160 | $292 |
| 6880 | $288 |
| ZIP code | Average annual rate |
|---|---|
| 6031 | $229 |
| 6024 | $231 |
| 6063 | $232 |
| 6094 | $233 |
| 6755 | $238 |
| 6776 | $239 |
| 6059 | $242 |
| 6071 | $243 |
| 6331 | $246 |
| 6043 | $247 |
Renters insurance cost in Connecticut by city
Renters insurance rates vary widely across cities in Connecticut, driven by factors such as weather risks, crime rates, and other factors. To find the best deal in your city, you should consider these factors and compare quotes from multiple insurers before choosing a policy.
City Annual insurance premium
How to save on renters insurance in Connecticut
There are several easy ways to lower the cost of renters insurance in Connecticut without losing necessary coverage:
- Bundle your policies. Many insurance companies offer a discount if you buy renters and auto insurance together.
- Increase your deductible. Choosing a higher deductible will lower your monthly or yearly premium; just ensure you can afford it.
- Ask about discounts. Most providers offer savings for things like smoke alarms, security systems, or being claims-free.
- Compare quotes. Prices can vary widely between companies, so getting quotes from multiple insurers can help you find the best deal.
- Pay annually. Some insurers offer a small discount if you pay once a year instead of monthly.
Methodology
Insurance.com compared renters insurance rates provided by Quadrant Information Services for $40,000 personal property coverage with a $1,000 deductible and $100,000 liability coverage for all available ZIP codes based on a renter with good credit. To rank the best insurance companies, we gathered AM Best financial stability ratings, where an A++ is the best possible score, and National Association of Insurance Commissioners (NAIC) complaint ratios, which compare the number of complaints a company receives to the anticipated complaint volume based on market share. These factors were used along with rates to find the best companies overall.
FAQ: Connecticut renters insurance
Do I need renters insurance in Connecticut?
Renters insurance isn't required by law, but your landlord may require you to purchase a policy as part of your lease agreement.
How much renters insurance do I need in Connecticut?
You should make sure your personal property coverage is sufficient to replace all of your belongings at replacement cost; there is no minimum requirement.
Compare Connecticut renters insurance rates with other states
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