Average homeowners insurance cost in Connecticut

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Homeowners in Connecticut pay an average of $2,205 per year for a standard home insurance policy.

The coverage limit you choose for your dwelling has a major impact on your premium. More protection generally means a higher cost. Higher coverage means higher premiums. National General offers some of the lowest rates in the state, making it a good starting point when comparing your options.

Don’t settle for the first quote – reach out to several insurers and dig into available discounts. Since rates hinge on details like your location, the age and construction of your home, your roof’s condition, and your claims history, the prices you’re offered can swing a lot. Getting address-specific quotes from a handful of companies puts you in the best position to land a great rate.

Key Takeaways

Our data puts the average homeowners insurance cost in Connecticut at $2,205 per year.
Of all ZIP codes analyzed in Connecticut, 6790 has the lowest average home insurance rates at around $1,867 annually.
On the insurer side, National General offers the most affordable average premiums in Connecticut, coming in at $1,248 per year.

What is the average cost of homeowners insurance in Connecticut?

Homeowners in Connecticut pay an average of $2,205 per year for 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

The typical homeowners insurance policy in Connecticut runs $2,205 per year, assuming $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

Stepping up to $400,000 in dwelling coverage, with the same liability and deductible settings, brings the average annual cost to $2,695 in Connecticut.

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 $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

Average home insurance cost in Connecticut by insurer

National General has the lowest average homeowners insurance premiums in Connecticut at $1,248 per year. State Farm and Amica also offer competitive rates worth comparing.

Taking the time to shop around can save you a significant amount each year.

The table below shows average annual and monthly rates from insurers in Connecticut, based on $300,000 in dwelling coverage, $100,000 in liability protection, and 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.

How to lower your home insurance rate

Shop around. A single quote won’t tell you much. Comparing rates from three or four different insurers in Connecticut is the surest way to find a competitive price.
Bundle your policies. Pairing home and auto insurance, or renters and auto, with the same provider is a straightforward way to qualify for multi-policy discounts.
Ask about smart home discounts. Home security systems, smoke detectors, and leak detection devices are upgrades that many insurers reward with lower premiums.
Check for other savings. It’s worth asking your insurer about loyalty discounts, claims-free incentives, and credits for improvements like fire-resistant roofing materials.

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

Your ZIP code shapes your home insurance rate by showing insurers the risk tied to your location. Higher crime, greater exposure to natural disasters, and steeper rebuilding costs all push an area into higher-risk territory-and premiums rise accordingly.

Below, see the most and least expensive ZIP codes for home insurance in Connecticut.

Most affordable ZIP codes for home insurance in Connecticut

6790 has the lowest average home insurance rates in Connecticut, with homeowners paying around $1,867 per year.

Home insurance rates aren’t uniform across Connecticut. Your ZIP code, in particular, is one of the biggest reasons prices differ from one area to the next.

Below are average 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 in Connecticut

At the other end of the spectrum, 6413 has the highest average rates in Connecticut at $3,171 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	$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

What are the best homeowners insurance companies in Connecticut?

Based on our data, Chubb stands out as the top choice in Connecticut. It earns an AM Best rating of A++ and holds one of the lowest NAIC complaint scores statewide-a strong sign of both reliability and customer satisfaction.

To pinpoint the most trustworthy insurers, we measured each company against two benchmarks:

AM Best Ratings gauge a company’s financial strength and its ability to pay claims when you need it most.
NAIC Complaint Scores compare how often a company is the subject of complaints relative to its size, with lower scores pointing to fewer problems.

Looked at together, these benchmarks give a dependable picture of an insurer’s financial footing and the experience you can expect as a customer. The table below ranks the leading companies in Connecticut by annual premium, financial rating, and complaint history.

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

How to understand insurer ratings and complaint data

A good insurer answers two questions well: Can it pay your claim, and does it keep its customers happy? Independent rating agencies measure both, giving you an evidence-based way to compare your options.

The two ratings referenced here:

AM Best, which assesses an insurer’s financial strength and capacity to pay claims. Higher ratings indicate greater financial stability.
NAIC Complaint Index, compiled by the National Association of Insurance Commissioners from consumer complaint data. The baseline is 1.00 – a lower score means fewer complaints than expected for the insurer’s size, and a higher score means more.

What factors affect your home insurance rate?

Home insurance is priced according to the risk an insurer associates with your property and personal profile. The factors that carry the most weight include:

Where you live. Crime levels, weather-related risks, and local claims activity all factor into your rate.
Your claims history. Having filed claims in the past generally leads to a higher premium going forward.
Your credit-based insurance score. Most states allow insurers to use credit as a pricing factor. A lower score can result in a higher rate, though states such as California and Massachusetts have restrictions on this practice.
Your coverage limits and deductible. Choosing higher coverage or a lower deductible will increase your annual cost.

Home insurance costs have also been rising nationally. S&P Global Market Intelligence’s RateWatch application found that premiums for owner-occupied homes increased by more than 11% in 2023.

Resources and methodology

Source

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

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 20,739,560 quotes from 82 national and regional insurers across 34,588 ZIP codes.

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

Company rankings factor in average annual cost, NAIC score, and AM Best rating. 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.