Average homeowners insurance cost in Connecticut

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Whether you’re buying a new home or safeguarding the one you already own, it’s important to have comprehensive homeowners insurance. However, the amount you’ll pay depends on the insurance company and the coverage limits you choose.

Homeowners insurance in Connecticut costs an average of $2,205 a year, according to Insure.com’s study.

Read this guide to learn more about the average homeowners insurance rates in Connecticut by insurance company and ZIP code.

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 $1,677 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.

In Connecticut, homeowners insurance companies set rates by assessing various risk factors. Your location, claims 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.

Best homeowners insurance companies in Connecticut

Before purchasing homeowners insurance, it’s important to compare rates and explore your options. Several factors play a role in choosing the best homeowners insurance company for your specific needs.

We evaluated insurance companies in Connecticut based on their NAIC scores and AM Best ratings to create a list of the top homeowners insurance providers in the state. Our findings show that 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.

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.

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

Home insurance costs vary across different areas in Connecticut. What you pay for homeowners insurance depends on several factors, including your ZIP code. According to our data, the 6790 ZIP code has the lowest home insurance rates in Connecticut, at $1,867 annually or $156 per month.

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

Most expensive ZIP codes for home insurance rates in Connecticut

Your ZIP code is a key factor in determining the cost of your homeowners insurance coverage. In Connecticut, certain areas have higher insurance premiums due to elevated crime rates, increased risk of natural disasters, and higher living costs.

6413 has the most expensive homeowners insurance rates in Connecticut at an average annual cost of $3,171.

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

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 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 below data shows how much homeowners insurance rates have changed since 2019.

To find the right homeowners insurance, research thoroughly and compare costs from multiple insurers, as they assess risk differently. Getting quotes from at least three companies helps ensure you get 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.

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Shivani Gite

Contributing Writer

 

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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.

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