Average Renters Insurance Cost in Connecticut

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Renters insurance costs in Connecticut vary depending on your coverage level, insurance provider, and personal circumstances. On average, renters in Connecticut pay $292 per year or $24 per month for a policy that includes $40,000 in personal property coverage, $300,000 in liability protection and a $1,000 deductible.

Key Takeaways

The average cost of renters insurance in Connecticut is $292 per year or $24 per month.
Amica Mutual provides the least expensive renters insurance in Connecticut at an average rate of $164 annually.
Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Connecticut.

Average renters insurance cost in Connecticut per month

The average cost of renters insurance in Connecticut is $24 per month. Your premium may vary depending on your location, the value of your belongings, and the coverage limits you select. It’s recommended that you compare multiple insurance quotes to find the best price.

Average renters ins cost per month	Difference compared to national average
$24	$2 more

Average renters insurance cost in Connecticut by company

Amica Mutual offers the most affordable renters insurance in Connecticut at an average annual rate of $164, followed by Allstate and Chubb Ltd, based on our data.

However, you should get multiple quotes from various renters insurance companies in Connecticut because the prices vary greatly among carriers.

Below, we have compared the average annual and monthly renters insurance rates of insurance companies across Connecticut.

Company	Average annual rate	Average monthly rate
Amica Mutual	$164	$14
Allstate	$181	$15
Chubb Ltd	$187	$16
State Farm	$211	$18
American Family	$345	$29
Farmers	$395	$33
National General Insurance	$402	$33
Travelers	$638	$53
USAA*	$252	$21

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

Renters insurance calculator in Connecticut

$265/year

Estimated renters insurance rates in Connecticut

$22

Monthly renters insurance cost in Connecticut

Compared to national average

Average cost of renters insurance in Connecticut by coverage level

The average annual cost of renters insurance in Connecticut is $292, with a personal property coverage limit of $40,000, $300,000 in liability coverage and a $1,000 deductible.

However, if you lower your personal property coverage from $40,000 to $20,000, you can expect to pay $212 a year for renters insurance in Connecticut. Make sure $20,000 is enough to cover your belongings before deciding to adjust your coverage.

The table below shows the average annual renters insurance costs in Connecticut for personal property coverage of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$203	$17
$20,000 with $500 Deductible and $300,000 Liability	$229	$19
$20,000 with $1,000 Deductible and $100,000 Liability	$187	$16
$20,000 with $1,000 Deductible and $300,000 Liability	$212	$18
$40,000 with $500 Deductible and $100,000 Liability	$289	$24
$40,000 with $500 Deductible and $300,000 Liability	$316	$26
$40,000 with $1,000 Deductible and $100,000 Liability	$265	$22
$40,000 with $1,000 Deductible and $300,000 Liability	$292	$24
$60,000 with $500 Deductible and $100,000 Liability	$373	$31
$60,000 with $500 Deductible and $300,000 Liability	$402	$34
$60,000 with $1,000 Deductible and $100,000 Liability	$341	$28
$60,000 with $1,000 Deductible and $300,000 Liability	$370	$31

Average cost of renters insurance in Connecticut by city

Renters insurance premiums can differ significantly depending on the city. To help you find the best policy for your needs, we’ve compiled a breakdown of average costs by city. Explore the typical renters insurance rates across various locations in Connecticut.

Renters insurance rates in Connecticut by city

See rates in your city

Hartford

New Haven

Stamford

Average cost of renters insurance in Connecticut by ZIP code

In Connecticut, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.

Most affordable ZIP codes for renters insurance in Connecticut

In Connecticut, your ZIP code plays a major role in determining your premiums. Based on our data, 6031 is the most affordable ZIP code for renters insurance, with an average annual cost of $255.

Comparing quotes from multiple insurers in Connecticut is a smart way to find the best renters insurance rates for your ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
6031	Falls Village	$255	$21
6068	Salisbury	$256	$21
6058	Norfolk	$256	$21
6018	Canaan	$256	$21
6024	East Canaan	$257	$21
6057	New Hartford	$258	$21
6063	Barkhamsted	$258	$22
6061	Pine Meadow	$259	$22
6094	Winchester Center	$259	$22
6069	Sharon	$259	$22

Least affordable ZIP codes for renters insurance in Connecticut

Your ZIP code, among other factors, affects how much you pay for renters insurance in Connecticut. 6498 is the least affordable ZIP code for Connecticut renters at an average cost of $331 a year or $28 monthly.

We have analyzed quotes from the major insurance carriers across all the ZIP codes in Connecticut. Below are the average annual renters insurance costs by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
6498	Westbrook	$331	$28
6615	Stratford	$329	$27
6475	Old Saybrook	$329	$27
6650	Bridgeport	$329	$27
6405	Branford	$328	$27
6460	Milford	$328	$27
6413	Clinton	$327	$27
6414	Cobalt	$326	$27
6890	Southport	$325	$27
6512	East Haven	$325	$27

Final thoughts: Average renters insurance in Connecticut

Renters insurance is essential for residents of Connecticut. It safeguards possessions against damage from fire, theft, vandalism, and natural disasters, ensuring protection in unforeseen circumstances.

To get the best renters insurance at an affordable price, shop around and compare quotes from various insurance carriers. In addition to insurance premiums, consider factors such as coverage options, deductibles, and customer reviews to make an informed decision.

Shivani Gite

Contributing Writer

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.