How much is renters insurance in Connecticut?

The average cost of renters insurance in Connecticut is $265 a year, and the average monthly cost is $22. That's for a policy with personal property coverage of $40,000, liability coverage of $100,000, and a deductible of $1,000.

What you pay for renters insurance may differ from your neighbours because it depends on factors specific to each person: the property you want to insure, extra coverage options you add, and the deductible amount you choose.

"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
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Best renters insurance companies in Connecticut

Chubb Ltd, Amica Mutual and American Family are our best renters insurance companies in Connecticut.

Rates differ widely between renters insurance providers, so it pays to shop around. But rates aren’t the entire picture. It’s also important to choose an insurance company with a good reputation so you know it will be there for you when you need it.

To help you choose the best renters insurance in Connecticut, we reviewed rates and third-party ratings including complaint volume with the National Association of Insurance Commissioners (NAIC) and financial ratings from AM Best.

Among the carriers surveyed, Chubb Ltd is the best renters insurance company in Connecticut, with a top score and an average renters insurance rate of $174.

Below is our list of best renters insurance companies in Connecticut based on that analysis, with our score out of five.

CompanyAverage annual premiumAM BestNAICInsurance.com rating
Chubb Ltd$174A++0.185
Amica Mutual$160A+0.234.88
American Family$308A0.374.15
Allstate$146A+0.93.84
Farmers$365A0.543.69
State Farm$202A++0.953.67
Travelers$563A++0.543.26
National General Insurance$398A+0.923.06
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Cheapest renters insurance in Connecticut

Allstate is the cheapest renters insurance company in Connecticut based on our rate analysis with an average annual premium of $146.

Renters insurance prices can vary drastically between companies. That's why it is important to compare rates and see which company offers the best deal to get coverage at an affordable price.

Below are the cheapest renters insurance companies in Connecticut and their average annual premiums.

Company nameAverage 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
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Renters insurance calculator

Average renters insurance rates in Connecticut
Please enter valid zip code
$20,000
$20,000 $40,000 $60,000
$100,000
$100,000 $300,000
$500
$1,000 $500

Most & least expensive ZIP codes for renters insurance in Connecticut

ZIP codeCityHighest rate
06498Westbrook$304
06615Stratford$303
06475Old Saybrook$302
06650Bridgeport$302
ZIP codeCityLowest rate
06068Salisbury$229
06031Falls Village$229
06018Canaan$230
06058Norfolk$230
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Connecticut renters insurance: The least and most expensive ZIP codes

Where you live in Connecticut affects how much you pay for renters insurance. The most expensive ZIP code in Connecticut for renters insurance is 6498, where the average annual rate is $304 which is $39 more than the state average insurance premium.

On the other end of the spectrum, the least expensive ZIP code for renters insurance is 6031, with an average annual rate of $229.

The following table lists the least and most expensive ZIP codes in Connecticut for renters insurance.

Best home insurance companies in Texas
ZIP codeAverage annual rate
6498$304
6615$303
6650$302
6460$301
6413$300
6414$299
6890$298
6607$296
6160$292
6880$288
ZIP codeAverage annual rate
6031$229
6024$231
6063$232
6094$233
6755$238
6776$239
6059$242
6071$243
6331$246
6043$247

Compare renters insurance rates by city in Connecticut

Renters 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 renters insurance for your specific city in Connecticut.

CityAnnual insurance premium
Bridgeport
$276
Bristol
$246
Danbury
$264
Hartford
$272
Meriden
$259
New Britain
$248
New Haven
$273
Norwalk
$270
Stamford
$260
Waterbury
$275
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How to get cheap renters insurance in Connecticut

There are a few things you can do to get cheaper renters insurance in Connecticut:

  • Shop around. Not every Connecticut renters insurance company offers the same rates or discounts. Shop around for the best price.
  • Ask about discounts. There are a lot of discounts available on renters insurance; one of the biggest is bundling your home and auto insurance, so ask for an auto quote at the same time.
  • Chose a higher deductible. Your deductible affects your premiums; higher deductibles mean lower rates. Just ensure you can afford the deductible if you have to pay it.

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.

Connecticut renters insurance: FAQ

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 don’t need any renters insurance by law, but when buying a policy you should ensure you have enough personal property coverage to cover all of your personal property at replacement cost.

Compare Connecticut renters insurance rates with other states

Alabama
$310 /year
Alaska
$233 /year
Arizona
$237 /year
Arkansas
$346 /year
California
$253 /year
Colorado
$175 /year
Delaware
$170 /year
Florida
$230 /year
Georgia
$334 /year
Hawaii
$231 /year
Idaho
$169 /year
Illinois
$227 /year
Indiana
$249 /year
Iowa
$188 /year
Kansas
$238 /year
Kentucky
$193 /year
Louisiana
$472 /year
Maine
$174 /year
Maryland
$243 /year
Massachusetts
$244 /year
Michigan
$323 /year
Minnesota
$203 /year
Mississippi
$367 /year
Missouri
$210 /year
Montana
$256 /year
Nebraska
$266 /year
Nevada
$233 /year
New Hampshire
$160 /year
New Jersey
$190 /year
New Mexico
$191 /year
New York
$276 /year
North Carolina
$323 /year
North Dakota
$173 /year
Ohio
$231 /year
Oklahoma
$266 /year
Oregon
$266 /year
Pennsylvania
$249 /year
Rhode Island
$473 /year
South Carolina
$272 /year
South Dakota
$188 /year
Tennessee
$272 /year
Texas
$214 /year
Utah
$183 /year
Vermont
$166 /year
Virginia
$217 /year
Washington
$205 /year
Washington, D.C.
$260 /year
West Virginia
$231 /year
Wisconsin
$153 /year
Wyoming
$126 /year
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