Average renters insurance cost in Connecticut

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Renters in Connecticut pay an average of $325 per year, or $27 per month for renters insurance. This is based on a standard policy covering $40,000 in personal property, $300,000 in liability, and a $1,000 deductible – a reasonable baseline for most renters.

What you actually pay will depend on your coverage amount, which insurer you choose, and personal details like your ZIP code, claims history, and in some states, your credit score.

How much does renters insurance cost in Connecticut?

The average monthly cost of renters insurance in Connecticut is $27 for a policy with $40,000 in personal property coverage and $300,000 in liability protection. Premiums can shift depending on where you live, how much coverage you need, and the total value of your belongings – which is why getting quotes from several insurers is a smart move.

Generally speaking, raising your deductible lowers your monthly premium, while adding coverage for valuables like jewelry or electronics increases it. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in Connecticut: Where to start

Renters insurance in Connecticut averages $325 per year, or $27 per month for a standard policy
If you’re looking for the lowest price, Amica tends to offer the most competitive rates in Connecticut, averaging around $162 per year
Since pricing varies widely between providers, it pays to compare a few options before making a decision

Which companies offer the cheapest renters insurance in Connecticut?

Amica offers the most affordable renters insurance in Connecticut, with an average annual cost of $162. Chubb and Allstate are also worth considering if you’re looking to keep costs down.

Choosing the cheapest insurer isn’t always the best option, so it’s important to review coverage limits, deductibles, and available discounts alongside price. The table below shows average annual and monthly rates from a range of insurers in Connecticut.

Company	Average annual rate	Average monthly rate
Amica	$162	$13
Chubb	$183	$15
Allstate	$204	$17
Progressive	$216	$18
State Farm	$226	$19
Farmers	$397	$33
American Family	$506	$42
Travelers	$633	$53
National General	$661	$55
USAA*	$256	$21

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

Want a more accurate renters insurance estimate?

Use our calculator to get a personalized renters insurance quote based on your location and coverage needs.

Your final premium may vary depending on the insurer, coverage limits, deductible, claims history, and other rating factors.

Renters insurance calculator in Connecticut

$300/year

Estimated renters insurance rates in Connecticut

$25

Monthly renters insurance cost in Connecticut

11%

Compared to national average

How much does renters insurance cost by coverage level in Connecticut?

At the standard coverage level – $40,000 in personal property, $300,000 in liability, and a $1,000 deductible – renters insurance in Connecticut averages $325 per year.

If you reduce your personal property coverage to $20,000, that average drops to around $237 annually. Before making that adjustment, it’s worth confirming that $20,000 would genuinely cover the cost of replacing your belongings.

The table below compares average annual renters insurance costs in Connecticut at both the $20,000 and $40,000 coverage levels.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$232	$19
$20,000 with $500 Deductible and $300,000 Liability	$256	$21
$20,000 with $1,000 Deductible and $100,000 Liability	$213	$18
$20,000 with $1,000 Deductible and $300,000 Liability	$237	$20
$40,000 with $500 Deductible and $100,000 Liability	$328	$27
$40,000 with $500 Deductible and $300,000 Liability	$353	$29
$40,000 with $1,000 Deductible and $100,000 Liability	$300	$25
$40,000 with $1,000 Deductible and $300,000 Liability	$325	$27
$60,000 with $500 Deductible and $100,000 Liability	$421	$35
$60,000 with $500 Deductible and $300,000 Liability	$448	$37
$60,000 with $1,000 Deductible and $100,000 Liability	$385	$32
$60,000 with $1,000 Deductible and $300,000 Liability	$412	$34

People also ask: How much renters insurance coverage do I need?

Coverage needs vary from person to person, but a common starting range is $20,000 to $40,000 in personal property protection and at least $300,000 in liability coverage. The right amount ultimately comes down to the value of what you own, whether any of your items warrant separate endorsements, and how much of a financial cushion you want between you and an unexpected loss.

How much does renters insurance cost by city in Connecticut?

Your city within Connecticut can have a real impact on your renters insurance premium. Insurers factor in local variables like crime statistics, weather history, and how urban or suburban an area is when setting rates.

Here’s how average renters insurance costs break down across major cities in Connecticut.

Renters insurance rates in Connecticut by city

See rates in your city

Hartford

New Haven

Stamford

Does your ZIP code affect renters insurance rates in Connecticut?

When it comes to pricing renters insurance, your ZIP code carries a lot of weight. Insurers look at the risk profile of your specific area – including local theft levels, weather exposure, and claims history – to determine your rate. Two renters with identical policies can pay very different premiums simply because of where they live.

Across Connecticut, annual premiums range from around $289 in 6018 to $367 in 6498. The cheapest and most expensive ZIP codes in Connecticut are listed below.

Why your ZIP code affects renters insurance costs

Renters insurance premiums are calculated using localized risk data, so rates can vary considerably depending on your neighborhood and ZIP code.

Factors that influence pricing include:

Local rates of theft and vandalism
Exposure to weather events such as wildfires, floods, or hurricanes
Fire incident history and repair costs in your area

A change of just a few ZIP codes can meaningfully affect your monthly rate.

What are the most affordable ZIP codes for renters insurance in Connecticut?

Among all ZIP codes in Connecticut, 6018 has the lowest average annual renters insurance rate at $289.

Lower theft rates and fewer weather-related claims are the main drivers behind more affordable premiums in these areas.

ZIP code	City	Average annual rate	Average monthly rate
6018	Canaan	$289	$24
6031	Falls Village	$289	$24
6068	Salisbury	$289	$24
6024	East Canaan	$290	$24
6058	Norfolk	$291	$24
6039	Lakeville	$292	$24
6057	New Hartford	$293	$24
6021	Colebrook	$294	$25
6063	Barkhamsted	$295	$25
6763	Morris	$295	$25

What are the least affordable ZIP codes for renters insurance in Connecticut?

6498 carries the highest average renters insurance cost in Connecticut at $367 per year, or $31 per month.

Below are average annual renters insurance rates for every ZIP code in Connecticut.

How to lower your renters insurance, even in a high-cost ZIP code

Compare quotes from a minimum of 3 insurers – pricing for the same coverage can vary by over $100 within a single ZIP code
Bundle renters and auto insurance with the same provider to unlock savings of 5% to 15%
Look into discounts tied to safety features. Smoke detectors, deadbolts, security cameras, and smart home systems can all qualify
Consider raising your deductible to $1,000 if it’s currently $500 – the savings can be around 10% annually
Ask your insurer about claims-free discounts if you’ve gone 3 or more years without filing

ZIP code	City	Average annual rate	Average monthly rate
6498	Westbrook	$367	$31
6512	East Haven	$365	$30
6475	Old Saybrook	$364	$30
6405	Branford	$363	$30
6413	Clinton	$362	$30
6460	Milford	$362	$30
6615	Stratford	$362	$30
6650	Bridgeport	$361	$30
6414	Cobalt	$361	$30
6853	Norwalk	$358	$30

Is renters insurance worth it in Connecticut?

For most renters in Connecticut, a renters insurance policy protects your belongings from risks like fire, theft, vandalism, and certain weather events, and shields you from liability if someone is injured inside your home.

According to figures from the US Department of Commerce, the US Census Bureau, and the American Community Survey, approximately 48% of US renter households allocate more than 30% of their income toward rent and utilities. When housing already takes up a large share of your budget, it’s worth being thoughtful about every ongoing cost – including insurance.

Shopping around makes a real difference. Beyond price, look at what each policy actually covers, what the deductible is, and how the insurer performs when claims are filed. Slightly higher premiums can be worthwhile if the coverage is meaningfully better.

Frequently asked questions

What does renters insurance actually cover?

Renters insurance generally covers three things: your personal belongings, liability protection, and additional living expenses if your home becomes uninhabitable after a covered event. It can help with losses from fire, theft, and vandalism, as well as legal or medical costs if a visitor is injured on your property. Coverage specifics differ by policy, so reviewing your limits and exclusions carefully is important.

Do I really need renters insurance in Connecticut?

There’s no universal legal requirement for renters insurance, but the protection it offers is hard to replicate on your own. A single incident – whether it’s a break-in, a fire, or accidental damage – can result in thousands of dollars in losses. Renters insurance covers those costs so you’re not paying out of pocket. It’s also increasingly common for landlords in Connecticut to require it as part of the lease agreement.

Sources:

Insurance Information Institute. Facts + statistics: Renters insurance. Accessed May 2026.

How much is renters insurance in other states

$269/Year

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$406/Year

$275/Year

$300/Year

$224/Year

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$216/Year

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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.