Best and cheapest home insurance in Connecticut for 2024

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.

Best home insurance companies in Alaska

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Best home insurance companies in Connecticut
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

Data updated in 2024

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.

Cheapest home insurance rates in Connecticut by coverage level
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

Data updated in 2024

*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.

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Average home insurance rates in Texas

Most & least expensive ZIP codes for homeowners insurance in Texas

Most expensive

ZIP code	City	Highest rate
77550	Galveston	$10,164
77586	El Lago	$9,906
77551	Galveston	$9,536
77554	Galveston	$9,358

Least expensive

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

Data updated in 2024

Read our methodology

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 Department

The 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

Data updated in 2024

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

Data updated in 2024

Connecticut homeowners insurance rates by county

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

Data updated in 2024

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.