Average Renters Insurance Cost in Connecticut

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Renters insurance costs in Connecticut vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Connecticut is $325 per year or $27 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ.

Key Takeaways

The average cost of renters insurance in Connecticut is $325 per year or $27 per month.
Amica provides the least expensive renters insurance in Connecticut at an average rate of $162 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

In Connecticut, the average cost of renters insurance is $27 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.

Average renters ins cost per month	Difference compared to national average
$27	$3 more

Average renters insurance cost in Connecticut by company

Amica offers the most affordable renters insurance in Connecticut at an average annual rate of $162, followed by Chubb and Allstate, 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	$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.

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

Average cost of renters insurance in Connecticut by coverage level

The average annual cost of renters insurance in Connecticut is $325, 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 $237 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	$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

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

How much Connecticut renters pay for insurance depends on the ZIP code they live in. 6018 is the most affordable ZIP code for renters insurance in Connecticut among all the ZIP codes analyzed, at $289 a year on average.

Rates vary by ZIP code, so comparing quotes is one of the easiest ways to get the best deal on renters insurance in Connecticut.

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

Least affordable ZIP codes for renters insurance in Connecticut

6498 is the most expensive ZIP code for renters insurance in Connecticut, at an average cost of $367 annually or $31 monthly.

We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Connecticut. The table below shows the average annual renters insurance rates by ZIP code.

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

Final thoughts: Average renters insurance in Connecticut

Renters insurance is a must for Connecticut renters. It protects personal belongings from damage caused by fire, theft, vandalism and natural disasters, giving renters confidence and peace of mind.

Finding the most affordable renters insurance requires shopping around and comparing quotes from multiple insurers. To make an informed choice, consider not just the price but also the coverage options, deductibles, and customer reviews.

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.