Average homeowners insurance cost in Connecticut

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The average cost of home insurance in Connecticut is $1,873 per year for a standard policy.

Your premium is shaped by the dwelling coverage limit you select and the level of protection you need. Broader coverage generally means a higher cost. Higher coverage means higher premiums. Travelers stands out for its more affordable rates in the state, offering solid value as you weigh different levels of coverage.

Both avoid asserting anything about financial ratings, claims service, or stability – they stay anchored to price, which is the one thing you know for sure.

Compare quotes from multiple insurers and ask each one what discounts they offer. Premiums can differ significantly from company to company because they weigh things like where your home is located, how old it is, what it’s built from, the shape your roof is in, and your past claims. Pulling several quotes tied to your specific address is the surest way to spot the best value.

Key Takeaways

Homeowners insurance costs an average of $1,873 a year, based on our data.
Of all the ZIP codes in Connecticut, 6811 has the most affordable home insurance rates at around $1,482 annually.
In Connecticut, Travelers provides the most affordable home insurance at an average annual premium of $1,494.

What is the average cost of homeowners insurance in Connecticut?

The average homeowners insurance premium in Connecticut is $1,873 per year. That figure is based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Connecticut? Cost by coverage level

Homeowners insurance in Connecticut costs $1,873 per year on average, based on a policy with $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $2,347 per year for homeowners insurance in Connecticut for $100,000 in liability protection and a $1,000 deductible.

The table below shows average homeowners insurance costs in Connecticut for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$1,413	$118
$200,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$1,444	$120
$300,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$1,873	$156
$300,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$1,905	$159
$400,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$2,347	$196
$400,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$2,381	$198
$600,000 with $1,000 Deductible and $200,000 Liability and 2% Hurricane	$3,313	$276
$600,000 with $1,000 Deductible and $300,000 Liability and 2% Hurricane	$3,346	$279
$1,000,000 with $2,500 Deductible and $200,000 Liability and 2% Hurricane	$4,507	$376
$1,000,000 with $2,500 Deductible and $300,000 Liability and 2% Hurricane	$4,540	$378

Average home insurance cost in Connecticut by insurer

The most affordable homeowners insurance in Connecticut comes from Travelers, which averages $1,494 per year. Amica and Progressive are also worth considering.

Shopping around can save you hundreds, or more, each year.

Below are average annual and monthly premiums for Connecticut homeowners, based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
Travelers	$1,494	$125
Amica	$1,543	$129
Progressive	$1,586	$132
National General	$1,752	$146
State Farm	$2,178	$182
Chubb	$2,401	$200
Farmers	$2,850	$237
American Family	$3,377	$281
USAA*	$1,265	$105

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

How to lower your home insurance rate

Shop around. Don’t settle for the first quote. Compare rates from at least three to four insurers to find the best deal in Connecticut.
Bundle your policies. Adding home and auto (or renters and auto) to the same provider often unlocks significant multi-policy discounts.
Ask about smart home discounts. Installing security systems, smoke detectors, or water leak sensors can reduce your premium.
Check for other savings. Ask about loyalty discounts, claims-free rewards, or upgrades like fire-resistant roofing.

How does your ZIP code affect home insurance rates in Connecticut?

Where you live plays a major role in what you pay for home insurance. Your ZIP code signals the level of risk in your area, so places prone to crime, natural disasters, or costly rebuilds tend to come with higher premiums.

Here’s a look at the most and least affordable ZIP codes for home insurance across Connecticut.

Most affordable ZIP codes for home insurance in Connecticut

The lowest rates in Connecticut are found in 6811, where homeowners pay an average of $1,482 per year.

Where you live in Connecticut has a real impact on what you’ll pay for home insurance – and your ZIP code is one of the largest drivers of that difference.

Below are average homeowners insurance rates for some of the most affordable ZIP codes in Connecticut.

ZIP code	Average annual rate	Average monthly rate
6811	$1,482	$124
6877	$1,495	$125
6810	$1,500	$125
6776	$1,501	$125
6058	$1,506	$125
6752	$1,510	$126
6755	$1,519	$127
6757	$1,520	$127
6068	$1,526	$127
6897	$1,527	$127

Most expensive ZIP codes for home insurance in Connecticut

At the other end of the spectrum, 6413 has the highest average rates in Connecticut at $2,638 per year.

Higher premiums in certain ZIP codes typically reflect greater exposure to crime, natural disasters, and elevated living and rebuilding costs.

Below are some of the most expensive ZIP codes for home insurance in Connecticut.

ZIP code	Average annual rate	Average monthly rate
6413	$2,638	$220
6475	$2,612	$218
6498	$2,592	$216
6405	$2,527	$211
6460	$2,523	$210
6443	$2,483	$207
6516	$2,460	$205
6519	$2,456	$205
6378	$2,453	$204
6437	$2,447	$204

What are the best homeowners insurance companies in Connecticut?

Based on our data, Travelers stands out as a top choice in Connecticut. It earns an AM Best rating of A++ and one of the lowest NAIC complaint scores in the state-a combination that points to both financial stability and customer satisfaction.

To identify the most reliable insurers, we weighed two key metrics:

AM Best Rating, which evaluates a company’s financial strength and its ability to pay out claims.
NAIC Complaint Score, which reflects how many complaints a company receives relative to its size, so a lower score signals fewer problems.

Together, these metrics help you determine an insurer’s financial stability and customer satisfaction. The table below breaks down the best companies in Connecticut by average annual premium, financial rating, and complaint history.

Company	Average annual premium	Am Best Rating	NAIC Complaint Index	Overall score
Travelers	$1,494	A++	0.91	4.86
Chubb	$2,401	A++	0.07	4.79
Amica	$1,543	A+	0.37	4.78
National General	$1,752	A+	0.98	4.72
Progressive	$1,586	A+	1.5	4.72
State Farm	$2,178	A+	1.15	4.66
Farmers	$2,850	A	0.89	4.49
American Family	$3,377	A	1.07	4.41
USAA*	$1,265	A++	0.46	4.91

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

How to understand insurer ratings and complaint data

When choosing an insurer, you want to know if the company can pay your claim, and if customers are satisfied with it. Rating agencies track this data so you can make an informed decision at renewal.

Here are the two ratings that we have referred to:

AM Best: A global agency that rates insurers based on their financial strength and ability to pay claims. A higher score means the company is more financially stable.
NAIC Complaint Index: The National Association of Insurance Commissioners tracks consumer complaints. A score below 1.00 means fewer complaints than expected for a company of that size, while a score above 1.00 means more complaints than expected.

What factors affect your home insurance rate?

Home insurance rates come down to how much risk you represent to the insurer. The main factors they weigh:

Where you live. Local crime, weather risk, and how often neighbors file claims.
Your claims history. Past claims usually raise your rate.
Your credit-based insurance score. Weaker credit can mean a higher premium (restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. More coverage or a lower deductible costs more.

Rates have also been climbing across the board. Home insurance premiums for owner-occupied homes rose more than 11% nationwide in 2023, according to S&P Global Market Intelligence’s RateWatch application.

Resources and Methodology

Sources:

S&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed August 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 37,973,840 quotes from 75 company groups (134 companies) across 34,595 ZIP codes in all 51 states.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

The national average annual premium (non-hurricane deductible) is $2,543.

Company rankings factor in:

AM Best rating: 30%
NAIC score: 35%
Annual premium: 35%

All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.