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Whether you’re buying a new home or want to protect the property you currently own, it’s important to have sufficient homeowners insurance coverage in place. But home insurance policies can get expensive, depending on the coverage level you choose and your insurer.
On average, Connecticut homeowners insurance costs $2,165 a year, based on Insure.com’s data.
Learn more about the average homeowners insurance rates by company and ZIP code in Connecticut.
Key Takeaways
- Homeowners insurance costs an average of $2,165 a year, based on Insure.com analysis.
- Amongst all the ZIP codes in Connecticut, 6790 has the most affordable home insurance rates, around $1,871 annually.
- In Connecticut, National General Insurance provides the most affordable home insurance at an average annual premium of $1,225.
Average home insurance cost in Connecticut by coverage level
The average cost of homeowners insurance in Connecticut is $2,165 per year for the coverage limits of $300,000 dwelling coverage and $100,000 liability with a $1000 deductible.
However, if you increase the dwelling coveragefrom $300,000 to $400,000, you will pay $2,632 per year for homeowners insurance in Connecticut for $100,000 in liability protection and $1000 deductible.
Find below the average cost of homeowners insurance in Connecticut for dwelling coverage of $300,000, $400,000 and $500,000
| Coverage | Average annual rate | Average monthly rate |
|---|---|---|
| $3,00,000 with $1,000 Deductible and $1,00,000 Liability | $2,165 | $180 |
| $4,00,000 with $1,000 Deductible and $1,00,000 Liability | $2,632 | $219 |
| $5,00,000 with $1,000 Deductible and $1,00,000 Liability | $3,102 | $259 |
Homeowners insurance companies in Connecticut decide rates based on risks. They consider your location, claims history, credit history and coverage limits, etc., to calculate premiums.
If your neighborhood has seen many claims over the past few years, you can expect to pay higher home insurance rates than an area with few to no claims. Your credit score can also play a role in determining your home insurance costs.
Best homeowners insurance companies in Connecticut
It’s always wise to shop around and compare prices before you buy your home insurance. There are many factors that go into deciding the best homeowners insurance company.
We have compared the insurers in Connecticut using their J.D. Power score and AM Best rating and put together a list of the best homeowners insurance in Connecticut. Based on the analysis, USAA received the highest J.D. power score of 884 and A++ rating from AM Best.
| Company | A.M. Best rating | J.D. Power rating | Overall score |
|---|---|---|---|
| USAA | A++ | 884 | 4.73 |
| Amica Mutual | A+ | 849 | 3.99 |
| State Farm | A++ | 829 | 3.79 |
| Chubb Ltd | A++ | 809 | 3.11 |
| American Family | A | 842 | 2.67 |
| Farmers Insurance | A | 792 | 1.93 |
Average homeowners insurance cost by company in Connecticut
National General Insurance offers the most affordable homeowners insurance in Connecticut, at an average annual premium of $1,225 a year, followed by Amica Mutual and USAA.
You can save hundreds— if not thousands of dollars each year if you shop around for homeowners insurance.
Here are the average annual and monthly insurance rates for Connecticut homeowners for a policy with $300,000 dwelling coverage and $100,000 liability protection with a $1000 deductible.
| Company | Average annual rate | Average monthly rate |
|---|---|---|
| National General Insurance | $1,225 | $102 |
| Amica Mutual | $1,487 | $124 |
| USAA | $1,517 | $126 |
| State Farm | $1,751 | $146 |
| Chubb Ltd | $2,237 | $186 |
| American Family | $2,562 | $213 |
| Farmers | $2,649 | $221 |
| Travelers | $5,193 | $433 |
Connecticut homeowners insurance rates by ZIP code
Insurance companies in Connecticut assess the risk associated with a specific location. ZIP codes with higher crime rates, instances of natural disasters, or poor road conditions may be deemed higher risk, resulting in higher insurance rates. The cost of rebuilding or repairing homes in a specific ZIP code can also impact how much you pay for a home insurance policy.
Make sure you shop around and compare quotes from various insurance companies to get the best deal on homeowners insurance rates in Connecticut. Don’t forget to ask about any available discounts, such as bundling policies or a smart home discount.
Most affordable ZIP codes for home insurance rates in Connecticut
Not every area in Connecticut has the same home insurance cost. How much is home insurance in Connecticut depends on a lot of different factors and one of them is your ZIP code. 6790 ZIP has low cost home insurance rates in Connecticut, at about $1,871 a year or $156, based on Insure.com data.
Find below the homeowners insurance rates for some of the most affordable ZIP codes in Connecticut.
| ZIP code | Average annual rate | Average monthly rate |
|---|---|---|
| 6790 | $1,871 | $156 |
| 6085 | $1,886 | $157 |
| 6010 | $1,901 | $158 |
| 6030 | $1,913 | $159 |
| 6098 | $1,921 | $160 |
| 6035 | $1,924 | $160 |
| 6062 | $1,926 | $160 |
| 6776 | $1,929 | $161 |
| 6262 | $1,930 | $161 |
| 6068 | $1,931 | $161 |
Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.
Home insurance rates in Connecticut by city
Bridgeport
Hartford
New Haven
Stamford
Waterbury
Final thoughts
Finding the right homeowners insurance company takes some digging and comparing quotes from various insurers.
Home insurance companies gauge risk differently from one another. That’s why getting quotes from at least three homeowners insurance companies is important for getting affordable homeowners insurance in Connecticut.
Methodology
Insure.com worked with Quadrant Information Service to get homeowners insurance data. To determine the average premiums, we analyzed 14,723,760 insurance quotes from 147 insurance companies across 34,587 ZIP codes.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level
- $300,000 dwelling coverage
- $100,000 liability protection
- $1000 deductible
The quoted insurance rates are for comparison purposes, and your individual rates may vary.
Explore other insurance options in Connecticut
How much is home insurance in other states
Alaska$1,867/Year
Alabama$2,882/Year
Arkansas$4,062/Year
Arizona$1,947/Year
California$1,357/Year
Colorado$3,376/Year
Washington D.C.$1,203/Year
Delaware$1,230/Year
Florida$2,260/Year
Georgia$2,375/Year
Hawaii$562/Year
Iowa$2,389/Year
Idaho$1,879/Year
Illinois$2,589/Year
Indiana$2,707/Year
Kansas$4,648/Year
Kentucky$3,153/Year
Louisiana$2,843/Year
Massachusetts$1,583/Year
Maryland$1,685/Year
Maine$1,420/Year
Michigan$2,306/Year
Minnesota$2,307/Year
Missouri$3,335/Year
Mississippi$3,541/Year
Montana$2,857/Year
North Carolina$2,689/Year
North Dakota$2,931/Year
Nebraska$4,614/Year
New Hampshire$1,190/Year
New Jersey$1,245/Year
New Mexico$2,530/Year
Nevada$1,433/Year
New York$1,727/Year
Ohio$2,005/Year
Oklahoma$4,934/Year
Oregon$1,491/Year
Pennsylvania$1,820/Year
Rhode Island$1,534/Year
South Carolina$2,751/Year
South Dakota$3,514/Year
Tennessee$2,857/Year
Texas$3,977/Year
Utah$1,411/Year
Virginia$2,043/Year
Vermont$1,158/Year
Washington$1,643/Year
Wisconsin$1,495/Year
West Virginia$1,781/Year
Wyoming$1,846/Year
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On this page
- Average home insurance cost in Connecticut by coverage level
- Best homeowners insurance companies in Connecticut
- Average homeowners insurance cost by company in Connecticut
- Connecticut homeowners insurance rates by ZIP code
- Final thoughts
- Methodology
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