We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in Connecticut.
By
Andrew HurstAndrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.&Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.
Edited by
Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.
Connecticut is often at risk of coastal storms and severe winter weather, so it's vitally important for state residents to ensure their homes are protected with a quality homeowners insurance policy.
We found that Connecticut homeowners pay an average of $1,329 per year for a homeowners insurance policy with $300,000 in dwelling coverage. This means Connecticut residents pay around 24% less for home insurance than the average U.S. homeowner.
Compare home insurance rates in Connecticut
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Compare the best homeowners insurance companies in Connecticut
According to our analysis of homeowners insurance companies in the Nutmeg State, we found Allstate offers the best home insurance in Connecticut.
USAA had the highest rating in our analysis thanks to its combination of low rates, excellent customer service and financial strength ratings, and comprehensive policy options. But, keep in mind that USAA is only available to currently enlisted members of the military, veterans, and their families.
At Policygenius, our educational guides are written and fact-checked by licensed home insurance experts and reviewed by our Financial Review Council to ensure autonomy, expertise, and accuracy.
To find the best home insurance companies in Connecticut, we analyzed over 30,000 quotes from the 15 largest insurance companies in the state to find the average cost of homeowners insurance with each company in 2022.
When analyzing costs for different coverage levels and risk factors, we changed just one variable at a time to ensure the rates we’re comparing are fair and representative of the factor at hand.
We then looked at J.D. Power customer satisfaction scores, AM Best financial health ratings, quality of policy options, discounts, and compared that with the coverage needs of Connecticut residents to find the best homeowners insurance in the state.
To get the average rate for each company in Connecticut, we analyzed rates provided by Quadrant Information Services in March 2022 for all ZIP codes across Connecticut for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:
Dwelling: $300,000
Other structures: $30,000
Personal property: $150,000
Loss of use: $60,000
Liability: $300,000
Medical: $1,000
All rates based on the above coverage limits except where otherwise noted.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs — your actual quotes may differ.
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Best overall home insurance in Connecticut: State Farm
2024 Policygenius award winner
State Farm
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.8
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Bundle home & auto
Offers extended replacement cost
Offers flood insurance
Offers earthquake insurance
Wind/hail deductible
Offers wildfire insurance
Why we chose it
State Farm is the best home insurance company in Connecticut thanks to its large selection of policy options, high customer service marks, and industry-best financial stability ratings.
Pros and cons
Pros
Top-tier coverage add-ons, including extended replacement cost coverage
High customer satisfaction and financial strength ratings
Offers large discounts when you bundle your home and auto insurance
Cons
No discounts for first-time homebuyers
Rates are about average in Connecticut
More details
Why we chose State Farm
State Farm is our pick for the best home insurance company in Connecticut. For one, State Farm lets homeowners get extended replacement cost coverage for their homes, replacement cost coverage for their personal property, water backup protection, and more.
State Farm's customer service is highly rated, too. The company has received high ratings from policyholders, according to J.D. Power’s 2022 customer satisfaction, claims, and digital experience surveys. It has also received the highest rating possible from A.M. Best for financial strength and stability.
In Connecticut, State Farm's rates are in line with the statewide average. The company doesn't offer as many discounts as other insurers in the state, but if you're planning to bundle home and auto insurance with State Farm, you may receive a large discount.
How do State Farm home insurance rates compare to the Connecticut average?
The average cost of home insurance from State Farm in Connecticut is $1,359 per year, which just $30 more expensive per year than the statewide average.
How to get a quote
Online through State Farm or by contacting your local State Farm agent.
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.6
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Why we chose it
Amica is the best home insurance company in Connecticut if you're looking for highly rated customer service. Amica also has many great ways to customize a basic policy and a unique dividend policy option that can reduce the cost of your insurance.
Pros and cons
Pros
Earned #1 ranking in J.D. Power’s claims and customer satisfaction surveys
Lots of coverage add-ons, including extended replacement cost coverage
Unique dividend policy option to earn up to 20% back on insurance premiums each year
Cons
More expensive than average in Connecticut
More details
Why we chose Amica
Amica has the best customer service ratings of any insurer in Connecticut. Amica has consistently been rated highly on J.D. Power's Claims and Customer Satisfaction Surveys. The company also has a superior A+ rating from AM Best and 20% fewer complaints according to the National Association of Insurance Commissioners than other companies.
Amica's coverage options stack up well against other companies, too. Homeowners can get guaranteed and extended replacement cost coverage for their homes, replacement cost coverage for their personal property, water backup protection, coverage for computers and smart devices, and more.
Finally, Amica offers a unique dividend perk that could help you lower the cost of your home insurance. If you buy a dividend policy instead of a basic policy, you could earn back between 5% and 20% of the cost of your insurance each year, depending on how well the company does financially.
How do Amica home insurance rates compare to average in Connecticut?
The average cost of Amica home insurance in Connecticut is $1,593 per year, which is 20% more expensive than the statewide average of $1,329 per year.
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.5
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Offers extended replacement cost
Bundle home & auto
Smart home discounts
Why we chose it
Farmers is the best home insurance company in Connecticut for homeowners who want to add coverage to their policies. Farmers also has affordable rates, a range of discounts, and high claims satisfaction scores.
Pros and cons
Pros
Optional extended or guaranteed replacement cost dwelling coverage
Receives few complaints from policyholders and has a high claims satisfaction score
Cheaper rates than average in Connecticut
Cons
Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys
More details
Why we chose Farmers
Farmers is the best homeowners insurance company in Connecticut if you want to add coverage to a basic policy, including guaranteed or extended replacement cost coverage, water backup protection, and a personal articles floater.
Farmers also earned a high score in J.D. Power’s 2022 claims satisfaction study (though it was below-average on J.D. Power’s overall customer satisfaction and digital experience surveys). Plus, Farmers receives fewer complaints than average, according to the National Association of Insurance Commissioners.
There are a few ways that homeowners can lower their rates with discounts. Farmers is one of the best companies for bundling home and auto coverage (you could save up to 18% on your premiums by bundling). The company also offers more than a dozen other discounts, many of which are easy for most homeowners to qualify for.
How do Farmers home insurance rates compare to the average in Connecticut?
The average cost of Farmers home insurance in Connecticut is $1,060 per year, which is 20% cheaper than the state's average annual premium of $1,329 per year.
Best home insurance for short-term rental owners: Allstate
2024 Policygenius award winner
Allstate
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.5
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A+
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Bundle home & auto
Smart home discounts
Why we chose it
Airbnb hosts in Connecticut may like Allstate thanks to HostAdvantage — the affordable short-term rental coverage that can be easily added to any policy. Whether you’re looking for basic or comprehensive home insurance coverage, Allstate is a top pick.
Pros and cons
Pros
Offers HostAdvantage for short-term rental coverage
Offers water backup protection, other endorsements
Cons
Beginning to pull back coverage in high-risk areas
Customer experience scores with J.D. Power are below the segment average
Rates are slightly higher than average in Connecticut
More details
Why we chose Allstate
If you're looking to cover your short-term rental (whether it's in Connecticut or nearby New York City), Allstate's HostAdvantage makes it our top pick for homeowners insurance in Connecticut. HostAdvantage comes with theft protection, coverage for your damaged property ($10,000 per host period), and a $25 discount on cleaning services from Merry Maids.
Allstate also offers a few coverages that you can add to your home insurance policy for more protection. This includes water backup protection, scheduled personal property coverage, and identity theft restoration coverage.
How do Allstate home insurance rates compare to the Connecticut average?
The annual average cost of Allstate home insurance in Connecticut is $1,480 per year, just 11% more expensive than the statewide average.
How to get a quote
Online through Policygenius or Allstate, or by contacting a local Allstate agent.
The average cost of homeowners insurance in Connecticut is $1,329 per year, or $111 a month, for an insurance policy with $300,000 in dwelling coverage. This means insurance in Connecticut is 24% cheaper than the national average.
UPDATE: Home insurance premiums up 15% in Connecticut
Home insurance premiums in Connecticut increased 15% from May 2022 to May 2023, according to our latest analysis of internal policyholder data. This is likely due to a mix of sustained inflation, labor shortages, rising construction costs, and severe natural disasters that have caused insurance companies to increase rates and establish stricter underwriting rules to offset the risks.
We calculated the cost of home insurance in Connecticut's largest cities and found that Danbury is the cheapest big city for homeowners insurance in the state, while New Haven is the most expensive.
Here’s a look at the average cost of home insurance in the 20 largest cities in Connecticut.
City
Average monthly cost
Average annual cost
Difference from state average (%)
Bridgeport
$134
$1,606
21%
New Haven
$151
$1,817
37%
Stamford
$110
$1,324
0%
Hartford
$123
$1,479
11%
Waterbury
$122
$1,467
10%
Norwalk
$119
$1,427
7%
Danbury
$99
$1,191
-10%
New Britain
$108
$1,295
-3%
Bristol
$100
$1,203
-9%
Meriden
$115
$1,385
4%
West Haven
$136
$1,627
22%
Middletown
$111
$1,329
0%
Shelton
$105
$1,254
-6%
Norwich
$113
$1,356
2%
Torrington
$113
$1,350
2%
New London
$140
$1,684
27%
Ansonia
$123
$1,479
11%
Derby
$121
$1,448
9%
Groton
$141
$1,691
27%
East Haven
$134
$1,605
21%
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Connecticut homeowners insurance rates by coverage amount
The table below highlights the average annual premium in Connecticut for five different levels of dwelling coverage, which is the part of your policy that covers structural damage to your home.
Generally speaking, more dwelling coverage means higher homeowners insurance rates, as shown in the table below.
Dwelling coverage limit
Average annual cost
$100,000
$645
$200,000
$987
$300,000
$1,329
$400,000
$1,689
$500,000
$2,090
Compare home insurance rates in Connecticut
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Cheapest homeowners insurance companies in Connecticut
Based on our analysis of home insurance quotes in every Connecticut ZIP code, we found that Vermont Mutual, NationalGeneral, MAPFRE, Farmers, and UPC have the cheapest average home insurance rates in Connecticut.
In addition to these insurers, four other companies have average home insurance rates below Connecticut's average of $1,329 per year.
Cheapest Connecticut homeowners insurance if you have poor credit
A poor credit score often means higher home insurance premiums, as insurers view homeowners with low credit as more likely to rely on homeowners insurance to cover small repairs or losses.
With an average rate of $1,254 per year, Vermont Mutual has the cheapest home insurance rates in Connecticut for a homeowner with poor credit.
Company
Average annual cost
Vermont Mutual
$1,254
UPC Insurance
$1,414
National General
$1,574
Progressive
$1,705
MAPFRE Insurance
$1,781
Narragansett Bay
$1,783
Farmers
$1,925
Amica
$1,952
Allstate
$1,978
The Andover Companies
$2,098
USAA
$2,168
State Farm
$2,315
Chubb
$4,977
Travelers
$12,457
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Cheapest Connecticut homeowners insurance if you have an older home
Older homes can be costly to insure, as they're more prone to structural damage than a newer build, and they're often constructed with materials and features that are more expensive to replace.
With an average annual premium of $721, Vermont Mutual offers the cheapest home insurance rates in Connecticut for a home over 100 years old.
Company
Average annual cost
Vermont Mutual
$721
Farmers
$977
National General
$1,013
UPC Insurance
$1,035
The Andover Companies
$1,077
MAPFRE Insurance
$1,098
Narragansett Bay
$1,124
USAA
$1,301
Progressive
$1,338
Allstate
$1,410
Amica
$1,589
State Farm
$1,670
Chubb
$2,067
Travelers
$4,983
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Cheapest Connecticut homeowners insurance if you have a history of claims
Claims history is one of the most important factors insurers use when determining home insurance premiums. If you have multiple claims on your record, you'll typically pay more for home insurance, as insurers will consider you more likely to file future claims than a homeowner with a spotless claims history.
With an average annual premium of $840, Vermont Mutual offers the cheapest home insurance rates in Connecticut for a homeowner that's filed three claims within a five-year period.
Company
Average annual cost
Vermont Mutual
$840
The Andover Companies
$1,077
National General
$1,171
UPC Insurance
$1,516
Progressive
$1,617
USAA
$1,801
State Farm
$1,878
Narragansett Bay
$2,067
MAPFRE Insurance
$2,275
Allstate
$2,320
Farmers
$2,575
Amica
$3,347
Chubb
$3,527
Travelers
$5,344
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Coverage options in Connecticut
When looking at how much each insurance company charges for different coverage levels and risks, you should also be aware of what your policy does and doesn’t cover.
Before you buy homeowners insurance in Connecticut, you should be sure you're protected against the state's flooding and winter weather.
Flood insurance
Homeowners insurance doesn't cover damage from floods. Although only a little more than 2% of homes in Connecticut have flood insurance, you should consider getting a flood insurance policy if you live on the coast or in a low-lying part of the state.
Some companies offer flood endorsements or even separate flood insurance policies. Connecticut homeowners can compare private flood insurance companies in the state with Policygenius, or choose a policy through a government entity like the National Flood Insurance Program (NFIP).
Insurance for wintry weather
Connecticut's winters might lead to conditions that could damage your home, like heavy snow and fierce winds. Fortunately, most home insurance policies cover damage from wintry weather, like windstorms, frozen pipes, collapsed roofs, and more.
That said, it's always a good idea to make sure that your home is fully protected by adding extended or guaranteed replacement cost coverage to your dwelling coverage if it's available. That way, you will have enough insurance to fully rebuild your home if it were damaged.
Wind mitigation discounts in Connecticut
Many home insurance companies in Connecticut offer wind mitigation discounts for installing permanent storm shutters or impact-resistant glass to better help your home withstand high winds and flooding caused by hurricanes or strong windstorms.
Finding the right homeowners insurance is more than just searching for the cheapest rates and choosing the first policy you find. You want to make sure the policy you select has the right coverage amounts and covers the specific needs of your home and area.
5 simple steps to buying home insurance in Connecticut
Reach out to a licensed Policygenius agent. Our team of license insurance experts are ready to help you find the right coverage at the right price without skimping on coverage.
Consider purchasing flood insurance. Depending on your proximity to the coast, you could be at a higher risk of hurricane or flood damage. Standard homeowners policies don't cover flooding, so if you live in a floodplain or close to the beach, you may want to consider a separate flood insurance policy. A Policygenius can provide you options and help determine the best option.
Figure out how much deductible you can afford. Increasing your deductible can lower your rate, but it also means you’ll be paying more out of pocket on each claim.
Compare quotes from a Policygenius agent. Once you've figured out your coverage needs and input a few details about your home, a Policygenius agent will walk you through quotes from several different companies to help you find the right policy at the best price.
Choose your policy, sign it, and pay your first premium. The only thing left to do is sign your policy and pay your first premium. Your Policygenius agent will complete all the paperwork for you and even cancel any existing policies.
Compare home insurance rates in Connecticut
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Frequently asked questions
What is the average cost of homeowners insurance in Connecticut?
The average cost of homeowners insurance in Connecticut is $111 per month or $1,329 per year.
How does home insurance in Connecticut compare to the national average?
The average home insurance premium in Connecticut is $1,329 per year. This is $570 cheaper than the national average at $1,754. The average cost of home insurance in each state is determined by weather and crime risks, as well as home values in each area.
How can I lower my homeowners insurance in Connecticut?
You can lower your homeowners insurance in Connecticut by taking advantage of discounts offered through your home insurance company. This might mean bundling your home and auto policies together for discounts, or adding security systems to your home.
Is it mandatory to have homeowners insurance in Connecticut?
There are no state or local laws that require homeowners insurance in Connecticut, but it is required by most mortgage lenders. Lenders have a financial stake in your property, and they want to make sure the home is fully protected until it's paid off.
Is home insurance in Hartford, Connecticut more expensive?
Andrew Hurst is a senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.
Pat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.
Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.