Home Home insurance Average home insurance cost Homeowners insurance rates by state Average homeowners insurance cost in Connecticut Average homeowners insurance cost in Connecticut Homeowners insurance in Connecticut costs $2,205 per year or $184 monthly, according to Insure.com’s data analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: April 14, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 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 levelIn 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 ConnecticutIt’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 premiumAM Best rating NAIC Complaint IndexOverall scoreChubb$2,259A++0.185American Family$2,537A0.374.43Farmers$2,118A0.544.27National General$1,248A+0.924State Farm$1,677A++0.953.89Travelers$5,178A++0.543.42Average homeowners insurance cost by company in ConnecticutNational 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 rateNational General$1,248$104State Farm$1,677$140Amica$1,680$140Farmers$2,118$176Chubb$2,259$188American Family$2,537$211Travelers$5,178$432USAA$1,783$149Connecticut homeowners insurance rates by ZIP codeInsurance providers in Connecticut factor in the risk of a given location when determining rates. ZIP codes with higher crime rates or frequent natural disasters are typically classified as high-risk, leading to increased premiums. Additionally, the cost of rebuilding or repairing homes in that area can affect your homeowners insurance costs.To get the best deal on homeowners insurance rates in Connecticut, take the time to shop around and compare quotes from multiple insurers. Additionally, don’t forget to ask about potential discounts, like bundling policies or a smart home discount.Most affordable ZIP codes for home insurance rates in ConnecticutHomeowners insurance costs in Connecticut can vary widely by location, with your ZIP code being a key factor in determining your rate. Based on our data, the the 6790 area has the most affordable insurance rates, at $1,867 annually or $156 monthly.Below are the homeowners insurance rates for the most affordable ZIP codes in Connecticut.ZIP codeAverage annual rateAverage monthly rate6790$1,867$1566811$1,870$1566776$1,890$1586810$1,891$1586060$1,904$1596068$1,906$1596018$1,907$1596098$1,913$1596791$1,922$1606065$1,927$161Most expensive ZIP codes for home insurance rates in ConnecticutYour 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:ZIP codeAverage annual rateAverage monthly rate6413$3,171$2646498$3,131$2616475$3,123$2606378$3,032$2536443$2,953$2466379$2,930$2446357$2,916$2436320$2,911$2436371$2,899$2426388$2,897$241Home 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 cityBridgeportNew HavenStamfordWaterburyHome insurance rate trend in ConnecticutWe 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 2019.2019 rates2022 rates2023 rates$1,748$2,071$2,205To 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 & methodologySourceS&P Global. “US homeowners insurance rates jump by double digits in 2023.” Accessed April 2025.MethodologyInsure.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 deductibleWe 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. Explore other insurance options in Connecticut Average renters insurance cost in Connecticut Average car insurance cost in Connecticut Non-owner car insurance in Connecticut How much is home insurance in other statesAlaska$1,695/YearAlabama$3,131/YearArkansas$3,948/YearArizona$2,468/YearCalifornia$1,386/YearColorado$4,086/YearWashington, D.C.$1,327/YearDelaware$1,366/YearFlorida$4,405/YearGeorgia$2,286/YearHawaii$593/YearIowa$2,642/YearIdaho$1,950/YearIllinois$3,044/YearIndiana$2,969/YearKansas$4,826/YearKentucky$3,314/YearLouisiana$3,576/YearMassachusetts$1,622/YearMaryland$1,707/YearMaine$1,375/YearMichigan$2,396/YearMinnesota$2,399/YearMissouri$3,528/YearMississippi$3,369/YearMontana$3,265/YearNorth Carolina$2,933/YearNorth Dakota$3,134/YearNebraska$4,785/YearNew Hampshire$1,209/YearNew Jersey$1,506/YearNew Mexico$2,638/YearNevada$1,444/YearNew York$1,777/YearOhio$2,144/YearOklahoma$5,749/YearOregon$1,741/YearPennsylvania$1,886/YearRhode Island$1,932/YearSouth Carolina$2,668/YearSouth Dakota$3,374/YearTennessee$3,045/YearTexas$3,844/YearUtah$1,792/YearVirginia$2,135/YearVermont$1,247/YearWashington$1,596/YearWisconsin$1,648/YearWest Virginia$1,886/YearWyoming$1,885/YearShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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