Finding the cheapest home insurance in Connecticut requires getting quotes from multiple home insurance companies.

Home insurance companies don’t devise rates in all the same way. One may put a greater emphasis on one metric, such as a home’s claims history, while not caring as much about another, such as a person’s credit. That’s one reason why it pays to get quotes from multiple insurance companies.

We found that Allstate has the cheapest homeowners insurance rates in Connecticut with an average annual premium of $1,617 or $135 per month for $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible.

Let’s take a look at the cheapest homeowners insurance in Connecticut and how to find the best home insurance rates.

Cheap homeowners insurance companies in Connecticut

Home insurance costs are a vital part of finding a homeowners insurance policy. Who has the cheapest homeowners insurance in Connecticut?

Allstate, Truck Insurance and Amica are the cheapest homeowners insurance companies in Connecticut, on average.

Here are average Connecticut homeowners insurance rates for a policy with $300,000 dwelling coverage and $300,000 liability protection with a $1,000 deductible.

CompanyAverage annual premiumAverage monthly premium
Allstate$1,617$135
Truck Insurance$1,633$136
Amica$1,813$151
USAA$1,868$156
Homesite$2,105$175
State Farm$2,171$181
Travelers$2,553$213
Liberty Mutual$3,148$262
Safeco$3,600$300

Compare cheap homeowners insurance in Connecticut by ratings

It’s a smart move to shop around to look for cheap homeowners insurance and compare policies and coverages from different insurance providers carefully. Here we have compared the cheapest home insurance companies in Connecticut based on J.D. power score and AM Best ratings that help you to choose the best among the options available.

CompanyJ.D. Power scoreAM Best rating
USAA882A++
State Farm835A++
Allstate829A+
Safeco810A
Liberty Mutual806A
Travelers800A++

How much is home insurance in Connecticut

The average cost of homeowners insurance in Connecticut is $1,961 for $300,000 dwelling and $300,000 liability with a $1,000 deductible. The average Connecticut home insurance costs are $344 less than the national average.

Average annual premiumAverage monthly premium
$1,961$163

Multiple factors play a role in homeowners insurance cost, including:

  • Location, including ZIP code
  • Level of coverage
  • Home construction and age
  • Your claims history 
  • Your home’s claims history
  • The area’s claims history
  • Deductible
  • Credit history

Cheapest homeowners insurance in Connecticut by ZIP code

6790 has the cheapest homeowners insurance, among large cities surveyed, with average rate of $1,713 per year, which is $143 per month. Here are how Connecticut cities rank for average home insurance rates:

ZIP codeAverage annual premiumAverage monthly premium
6790$1,713$143
6060$1,714$143
6811$1,715$143
6021$1,717$143
6020$1,720$143
6065$1,727$144
6063$1,735$145
6057$1,739$145
6019$1,740$145
6082$1,743$145
6024$1,744$145
6058$1,747$146
6068$1,749$146
6093$1,750$146
6810$1,751$146
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