Average homeowners insurance cost in Connecticut

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Whether you’re a new homeowner or looking to buy insurance for your current home, securing the right homeowners’ insurance is crucial. Rates may vary depending on your insurance company and the coverage limits you choose.

According to Insure.com’s data analysis, the average cost of homeowners insurance in Connecticut is $2,205 a year.

Continue reading to learn more about homeowners insurance rates in Connecticut by ZIP code and insurer.

Key Takeaways

Homeowners insurance costs an average of $2,205 a year, based on Insure.com analysis.
Of all the ZIP codes in Connecticut, 6790 has the most affordable home insurance rates at around $1,867 annually.
In Connecticut, National General provides the most affordable home insurance at an average annual premium of $1,248.

Average home insurance cost in Connecticut by coverage level

In Connecticut, the annual homeowners insurance cost is $2,205, on average for the limits of $100,000 in liability, $300,000 in dwelling coverage and a $1000 deductible.

Increasing your dwelling coverage from $300,000 to $400,000 will raise your annual homeowners insurance premium to $2,695 in Connecticut, with $100,000 in liability protection and a $1,000 deductible. Below are the average costs for homeowners insurance in Connecticut based on dwelling coverage limits of $300,000, $400,000, and $500,000.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$1,725	$144
$200,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$1,750	$146
$300,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$2,205	$184
$300,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$2,231	$186
$400,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$2,695	$225
$400,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$2,723	$227
$600,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$3,735	$311
$600,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$3,765	$314
$1,000,000 with $1,000 Deductible and $100,000 Liability and 2% Deductible	$5,650	$471
$1,000,000 with $1,000 Deductible and $300,000 Liability and 2% Deductible	$5,685	$474

In Connecticut, homeowners insurance companies set rates by assessing various risk factors. Your location, claims history, credit history and coverage limit all affect your premium.

If multiple claims have been filed in your neighborhood over the past few years, you’ll likely face higher home insurance rates than areas with fewer claims. Your credit score can also play a role in determining your home insurance costs.

According to S&P Global Market Intelligence’s RateWatch application, the average homeowners insurance premium for owner-occupied homes nationwide increased by over 11% in 2023.

Best homeowners insurance companies in Connecticut

It’s always wise to shop around and compare prices before you buy homeowners insurance. There are many factors that go into deciding the best homeowners insurance company.

We have compared the insurers in Connecticut using their NAIC score and AM Best rating and compiled a list of the best homeowners insurance in Connecticut. Based on the analysis, Chubb received the lowest NAIC score and A++ rating from AM Best. A lower NAIC score indicates fewer complaints relative to the company’s size, suggesting higher customer satisfaction.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
Chubb	$2,259	A++	0.18	5
American Family	$2,537	A	0.37	4.43
Farmers	$2,118	A	0.54	4.27
National General	$1,248	A+	0.92	4
State Farm	$1,677	A++	0.95	3.89
Travelers	$5,178	A++	0.54	3.42

Average homeowners insurance cost by company in Connecticut

National General offers the most affordable homeowners insurance in Connecticut, at an average annual premium of $1,248, followed by State Farm and Amica.

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 $1,000 deductible.

Company	Average annual rate	Average monthly rate
National General	$1,248	$104
State Farm	$1,677	$140
Amica	$1,680	$140
Farmers	$2,118	$176
Chubb	$2,259	$188
American Family	$2,537	$211
Travelers	$5,178	$432
USAA*	$1,783	$149

*USAA is only available to military community members and their families.

Connecticut homeowners insurance rates by ZIP code

In Connecticut, insurance companies evaluate the risk associated with specific locations to determine premiums. ZIP codes with higher crime rates or a history of natural disasters are often considered high-risk, resulting in higher insurance premiums. Additionally, the cost of rebuilding or repairing homes in a particular ZIP code can influence your price for a homeowners insurance policy.

Shop around and compare quotes from different insurance companies to find the best home insurance rates in Connecticut. Also, remember to inquire about any discounts, such as bundling policies or smart home discounts, to help lower your premium.

Most affordable ZIP codes for home insurance rates in Connecticut

Not every area in Connecticut has the same home insurance cost. How much you pay for homeowners insurance in Connecticut depends on many factors, including your ZIP code. Our data shows that 6790 ZIP has low-cost home insurance rates in Connecticut, at about $1,867 a year or $156 monthly.

Below you can find homeowners insurance rates for some of the most affordable ZIP codes in Connecticut.

ZIP code	Average annual rate	Average monthly rate
6790	$1,867	$156
6811	$1,870	$156
6776	$1,890	$158
6810	$1,891	$158
6060	$1,904	$159
6068	$1,906	$159
6018	$1,907	$159
6098	$1,913	$159
6791	$1,922	$160
6065	$1,927	$161

Most expensive ZIP codes for home insurance rates in Connecticut

Your ZIP code plays a significant role in determining the cost of your homeowners insurance. In Connecticut, some areas face higher premiums due to factors like high crime rates, greater risk of natural disasters and higher living expenses.

In Connecticut, 6413 has the highest homeowners insurance rates, at $3,171 per year.

Here, we’ve highlighted some of the most expensive ZIP codes in Connecticut for homeowners insurance:

ZIP code	Average annual rate	Average monthly rate
6413	$3,171	$264
6498	$3,131	$261
6475	$3,123	$260
6378	$3,032	$253
6443	$2,953	$246
6379	$2,930	$244
6357	$2,916	$243
6320	$2,911	$243
6371	$2,899	$242
6388	$2,897	$241

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

See rates in your city

Home insurance rate trend in Connecticut

We analyzed home insurance rate trends in Connecticut and found that homeowners insurance rates experienced an overall increase of 6% or $134, from 2022 to 2023.

The following data highlights the changes in homeowners insurance rates since 2019.

2019 rates	2022 rates	2023 rates
$1,748	$2,071	$2,205

Finding the right homeowners insurance requires thorough research and comparing rates from different insurers, as each has its own way of assessing risk. By gathering quotes from at least three companies, you can increase your chances of getting the most affordable coverage in Connecticut.

Resources & methodology

Source

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed September 2024.

Methodology

Insure.com worked with Quadrant Information Service to get homeowners insurance data. We analyzed 20,739,560 insurance quotes from 82 national and regional insurance companies across 34,588 ZIP codes to determine the average premiums.

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

We have taken into account 3 important factors such as average annual cost, NAIC score and AM Best rating, to determine the list of best homeowners insurance companies. The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.