Best renters insurance companies in Connecticut

When choosing the best renters insurance company in Connecticut, make sure you’re comparing on more than just price. We’ve compared quotes, coverage options and J.D. Power scores from all the major insurers in Connecticut. Below is our list of best renters insurance companies in Connecticut based on that analysis, with our score out of five. Note that USAA only offers coverage to military families.

CompanyAverage rating(out of 5)
State Farm4
Allstate3.5
American Family3.5
USAA3.5
Farmers3
Travelers2.5
Data updated in 2024
Read our full methodology

Compare the best renters insurance companies in Connecticut

Comparing quotes from multiple insurance carriers is one way to ensure you will get your money’s worth. There can be big differences in price between different renters insurance providers, so it pays to shop around. Ensure you buy from a company offering affordable renters insurance and consistent customer service.

To simplify your task, we have compared the carriers for Connecticut residents based on their average rates and ratings from J.D. Power. Among the carriers surveyed, State Farm is the best renters insurance company in Connecticut. It earned 844 out of 1000 from J.D. Power and has an average renters insurance rate of $204.

The table below offers a detailed comparison of renters insurance companies in Connecticut.

CompanyJ.D. Power ScoreAverage Annual PremiumAM Best Ratings
State Farm844$204A++
Allstate835$146A+
USAA894$174A++
American Family856$308A
Farmers842$322A
Travelers835$557A++
Data updated in 2024
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How much is renters insurance in Connecticut

Connecticut residents pay an average of $250 a year for renters insurance, and the average monthly cost is $21. 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 will not be the same as a neighbor’s price 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 PremiumAverage Monthly Premium
$250$21
Data updated in 2024
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Most expensive ZIP codes in Connecticut for renters insurance

Several factors affect your renters insurance coverage cost in Connecticut, including your location and the coverage you buy. The most expensive ZIP code in Connecticut for renters insurance is 6498, where the average annual rate is $287 which is $37 more than the state average insurance premium.

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

ZIP codeAverage Annual Rate
6498$287
6650$286
6405$285
6413$284
6414$282
6853$281
6607$280
6710$278
6519$276
6824$275
Data updated in 2024
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Least expensive ZIP codes in Connecticut for renters insurance

Renters insurance rates in Connecticut are cheaper in some areas. Based on a rate analysis by Insurance.com, the least expensive ZIP code for renters insurance in Connecticut is 6031, and its average annual rate is $217.

Below, you’ll find the least expensive ZIP codes for renters insurance, along with their average annual rates.

ZIP codeAverage Annual Rate
6031$217
6018$218
6024$219
6063$220
6069$221
6763$222
6787$223
6759$224
6755$225
6776$226
Data updated in 2024
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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
Data updated in 2024
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Cheap renters insurance in Connecticut by company

There are a lot of companies offering renters insurance in Connecticut. Among the carriers surveyed by Insurance.com, Allstate is the cheapest renters insurance company in Connecticut; its average annual premium is $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 best cheap renters insurance companies in Connecticut and their average annual premiums.

Company NameAverage Annual Premium
Allstate$146
Chubb Ltd$166
USAA$174
Amica Mutual$175
State Farm$204
American Family$308
Farmers$322
National General Insurance$375
Travelers$557
Data updated in 2024
Read our full methodology

Insurance.com compared renters insurance rates in 2022 provided by Quadrant Data Solutions 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. Content was updated in 2023.

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