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?

At $27 per month, renters insurance in Connecticut is based on a policy with $40,000 in personal property coverage and $300,000 in liability protection. Your premium will shift depending on your location, the coverage limits you set, and the total worth of your possessions. Shopping around and comparing quotes from different insurers is one of the most effective ways to keep costs manageable.

It’s worth remembering that a higher deductible might reduce your monthly premium, while broader coverage for valuables such as electronics or jewelry will increase it. Choose a deductible and coverage level that fits both your budget and replacement needs.

Renters insurance in Connecticut: Where to start

On average, renters insurance in Connecticut costs $325 per year, or $27 per month
Among all providers in Connecticut, Amica consistently comes in with the lowest average rates – around $162 per year
Because premiums can vary significantly from one insurer to the next, comparing multiple quotes before settling on a policy is always a good idea

Which companies offer the cheapest renters insurance in Connecticut?

The most affordable renters insurance in Connecticut comes from Amica, which averages $162 per year. Chubb and Allstate are also competitive options for budget-conscious renters.

Keep in mind that the cheapest policy isn’t always the right one – coverage limits, deductibles, and available discounts all matter. The table below compares average annual and monthly rates from leading 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.

Renters insurance rates in Connecticut by city

See rates in your city

Hartford

New Haven

Stamford

How much does renters insurance cost by city in Connecticut?

Renters insurance rates in Connecticut aren’t the same across the board – where you live within the state can make a noticeable difference. Local factors like crime rates, weather exposure, and population density all influence what insurers charge.

Here’s a look at how average rates compare across major cities in Connecticut.

Does your ZIP code affect renters insurance rates in Connecticut?

Your ZIP code is one of the biggest factors insurers use to set rates. Local risks like theft, fire and weather claims can drive premiums up or down, so two renters with the same coverage may pay very different prices.

In Connecticut, rates range from about $289 in 6018 to $367 in 6498. Here are the cheapest and most expensive ZIP codes for renters insurance in Connecticut.

Why your ZIP code affects renters insurance costs

Insurers use local risk data to calculate renters insurance premiums, which means rates can vary significantly by neighborhood and ZIP code.

Factors that affect renters insurance rates include:

Local theft and vandalism rates
Weather risks such as hurricanes, floods, or wildfires
Fire claims and rebuilding costs in your area

Even moving a few ZIP codes away can affect your monthly premium.

What are the 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, 6018 is the most affordable ZIP code for renters insurance, with an average annual cost of $289.

ZIP codes with lower theft rates and fewer severe weather claims tend to have more affordable renters insurance premiums.

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

Here are the average annual renters insurance rates for every ZIP code in Connecticut, based on quotes from major insurers.

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

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

Compare at least 3 quotes – rates for the same coverage can vary by $100+ between insurers in the same ZIP code
Bundle with auto insurance to save 5% to 15% on your renters policy
Ask about safety device discounts for smoke detectors, deadbolts, security systems, and smart-home monitoring
Raise your deductible from $500 to $1,000 to save around 10%
Check claims-free discounts if you haven’t filed a claim in 3+ years

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 typically covers your personal belongings, liability protection and additional living expenses if your rental becomes uninhabitable. This includes damage or loss from events like fire, theft and vandalism, as well as legal or medical costs if someone is injured in your home. Coverage details vary by policy, so it’s important to review limits and exclusions.

Do I really need renters insurance in Connecticut?

Renters insurance isn’t always required by law, but it’s often worth having because it protects your belongings and provides liability coverage. Even a basic policy can cover thousands of dollars in losses from theft, fire or damage, which can be costly to replace out of pocket. Many landlords also require renters insurance as part of the lease.

Sources:

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

How much is renters insurance in other states

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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.