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Best homeowners insurance in Connecticut for 2023

USAA, Amica, State Farm, Travelers and Farmers have the best home insurance in Connecticut, according to Bankrate’s analysis.

Updated May 24, 2023
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Compare the best homeowners insurance companies in Connecticut

Across all carriers in the state, the average cost of homeowners insurance in Connecticut is $1,244 a year, or $104 a month, per data from Quadrant Information Services. Your rate may differ based on an array of factors, so experts recommend comparing quotes from several companies prior to choosing a home insurance provider.  

Our insurance editorial team analyzed AM Best financial strength ratings, J.D. Power customer satisfaction scores, average premiums, digital conveniences and more to inform our list of the best homeowners insurance companies. We awarded each a Bankrate Score out of five points to reflect our findings. Top performers include USAA, Amica, State Farm, Travelers and Farmers.

USAA
Rating: 3.7 stars out of 5
3.7
Bankrate Score
Info
AM Best
A++
J.D. Power
884
/1,000
Average monthly premium
$69
Average annual premium
$825
Get a quote
Amica
Rating: 3.5 stars out of 5
3.5
Bankrate Score
Info
AM Best
A+
J.D. Power
849
/1,000
Average monthly premium
$101
Average annual premium
$1,213
Read review
State Farm
Rating: 3.2 stars out of 5
3.2
Bankrate Score
Info
AM Best
A++
J.D. Power
829
/1,000
Average monthly premium
$87
Average annual premium
$1,041
Read review
Travelers
Rating: 3.3 stars out of 5
3.3
Bankrate Score
Info
AM Best
A++
J.D. Power
794
/1,000
Average monthly premium
$93
Average annual premium
$1,111
Get a quote
Farmers
Rating: 2.9 stars out of 5
2.9
Bankrate Score
Info
AM Best
A
J.D. Power
792
/1,000
Average monthly premium
$116
Average annual premium
$1,394
Get a quote
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

*USAA not officially ranked by J.D. Power due to eligibility restrictions

**Premiums are for $250K in dwelling coverage

The top 5 home insurance companies in Connecticut

USAA

Best for military-focused coverage

Rating: 3.7 stars out of 5
3.7 Bankrate Score
JD Power: 884 AM Best: A++

Average annual premium

$ 825 for $250k dwelling
USAA Review Get a personalized quote

Why USAA made our list: USAA offers Connecticut homeowners the cheapest rates on average among the carriers we studied, but it’s only available to active military service members, veterans and qualifying family members. For those eligible, USAA offers basic home insurance coverage types, with the option to add coverage for home sharing or uncontrollable events like earthquakes. Active-duty military members may also secure coverage for uniforms and equipment, and policyholders can get replacement cost coverage on contents in many cases. Although USAA only offers a few potential discounts, its affordable average rates and good customer service reputation might make up for it.

Who USAA may be good for: Active-duty military personnel and veterans who value military-focused coverage options.

Amica

Best for customer satisfaction

Rating: 3.5 stars out of 5
3.5 Bankrate Score
JD Power: 849 AM Best: A+

Average annual premium

$ 1,213 for $250k dwelling
Amica Review Get a personalized quote

Why Amica made our list: Amica received the highest official J.D. Power score of the Connecticut home insurers Bankrate reviewed, which may not be surprising given the company’s reputation for excellent customer service. Amica offers several optional coverage types and potential discounts that may help you customize your policy. The company’s most unique feature, though, is its dividend policy option, which may pay you back up to 20 percent of your annual premium. Amica typically offers below-average rates compared to the Connecticut average, as well.

Who Amica may be good for: Homeowners looking for an insurance company with higher-than-average customer satisfaction and claim satisfaction.

State Farm

Best for local offices

Rating: 3.2 stars out of 5
3.2 Bankrate Score
JD Power: 829 AM Best: A++

Average annual premium

$ 1,041 for $250k dwelling
State Farm Review Get a personalized quote

Why State Farm made our list: State Farm is the largest insurance company in the U.S. by market share, so you may not be surprised to find it on our list of best homeowners insurance in Connecticut. With more than 75 agents across the state, State Farm could be a solid choice for homeowners who prefer to do business in person. It’s important to note, though, that State Farm scored second-highest in the J.D. Power 2022 U.S. Insurance Digital Experience Study, which may also appeal to tech-savvy customers. However, State Farm does have a higher-than-average number of complaints with the National Association of Insurance Commissioners (NAIC), so homeowners who prize top-notch customer service may want to do more research before making their decision.

Who State Farm may be good for: Homeowners who prefer to work with a local agent who may have firsthand knowledge of their area.

Travelers

Best for optional coverages

Rating: 3.3 stars out of 5
3.3 Bankrate Score
JD Power: 794 AM Best: A++

Average annual premium

$ 1,111 for $250k dwelling
Travelers Review Get a personalized quote

Why Travelers made our list: Besides the standard coverages you would likely expect from a home insurance company, Travelers offers several optional coverages, such as contents replacement cost coverage, water backup coverage, identity theft coverage, green home coverage and special personal property coverage. Travelers also has multiple discount opportunities available to those who qualify like multi-policy, home buyer, claims-free, protective devices and green home discounts. Unfortunately, Travelers falls far below average for customer satisfaction per the J.D. Power Home Insurance Study.

Who Travelers may be good for: Connecticut homeowners who want to add optional endorsements to their insurance policy.

Farmers

Best for customizable policies

Rating: 2.9 stars out of 5
2.9 Bankrate Score
JD Power: 792 AM Best: A

Average annual premium

$ 1,394 for $250k dwelling
Farmers Review Get a personalized quote

Why Farmers made our list: Although Farmers’ average homeowners insurance premium is higher than Connecticut’s average premium, it may still be worth getting a quote, especially if you want to customize your policy to your specific needs. Farmers offers home insurance in three packages: standard, enhanced and premier. Within these packages, you can choose optional endorsements to tailor your policy to suit your circumstances. You may also be able to save if you are a non-smoker by installing a home alarm system or bundling your home and auto coverage.

Who Farmers may be good for: Homeowners who only want to pay for the home insurance coverage types they need.

How Bankrate chose the best home insurance companies in Connecticut 

Bankrate uses several factors to determine the companies with the best homeowners insurance in Connecticut. We use Quadrant Information Services to gather updated rates for each company using a sample profile. Each home insurance quote is based on a 40-year-old married couple who is claims-free with good credit history. We also compare the same coverage limits and deductibles to get a true sense of the costs from company to company. 

To further assist shoppers, we created the Bankrate Score. Scores are rated on a five-point scale and consider variables including the company’s coverage offerings, mobile and online presence, digital capabilities, third-party performance rankings and more.

Clock Wait
46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed

How much is home insurance in Connecticut?

In Connecticut, the average cost of homeowners insurance is $1,244 per year for $250,000 in dwelling coverage, which is less than the national average of $1,428 per year. Connecticut homeowners may pay a lower premium than the national average due to many properties having a reduced risk of being impacted by major hurricanes (Categories 3 to 5). 

However, home insurance in Connecticut can still be somewhat expensive because of its coastal location. Additionally, the state’s harsh winter climate could expose homes here to burst pipes from freezing temperatures or roof damage from heavy snow.

In the table below, you can see the state’s average annual premiums by coverage level for the best home insurance companies.

$150K
$603
$250K
$825
$350K
$1,033
$450K
$1,236
$750K
$1,840
$150K
$812
$250K
$1,213
$350K
$1,590
$450K
$1,956
$750K
$3,079
$150K
$746
$250K
$1,041
$350K
$1,264
$450K
$1,556
$750K
$2,440
$150K
$736
$250K
$1,111
$350K
$1,479
$450K
$1,853
$750K
$3,096
$150K
$1,018
$250K
$1,394
$350K
$1,794
$450K
$2,263
$750K
$3,717
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Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

The Connecticut cities with the cheapest home insurance premiums are New Canaan, Shelton, Trumbull, Cos Cob and New Britain. These cities have average premiums that are well below the statewide average of $1,244. Below, you can see the average home insurance rates in the five cheapest cities in Connecticut, and how the rates compare to the state average.

  • New Canaan: $1,072 per year — 14 percent lower than the state average
  • Shelton: $1,087 per year — 13 percent lower than the state average
  • Trumbull: $1,088 per year — 13 percent lower than the state average
  • Cos Cob: $1,104 per year — 11 percent lower than the state average
  • New Britain: $1,104 per year — 11 percent lower than the state average

Some cities in Connecticut have more expensive home insurance rates than others. According to average rate data from Quadrant, Ledyard, North Branford, Orange, Centerbrook and Killingworth have the most expensive average home insurance premiums in Connecticut. See how the rates in these cities compare to the statewide average home insurance premium below.

  • Ledyard: $1,375 — 11 percent higher than the state average
  • North Branford: $1,368 — 10 percent higher than the state average
  • Orange: $1,367 — 10 percent higher than the state average
  • Centerbrook: $1,363 — 10 percent higher than the state average
  • Killingworth: $1,357 — 9 percent higher than the state average

How to find the best cheap home insurance in Connecticut

Home insurance isn’t a legal requirement in Connecticut. But if you own a home, experts typically say purchasing home insurance to protect your investment is a smart idea. Here are the steps you may want to follow to find the cheapest and best home insurance in Connecticut:

  1. Think about your coverage needs: First, you may want to consider how much coverage you need for your home and your personal belongings. Also, you’ll probably want to think about what endorsements you might need, like flood insurance or valuable items coverage.
  2. Research insurance companies: Next, you might want to look into multiple insurance companies to see which ones can offer you the coverage you need within your budget. Also, consider reviewing discounts, third-party ratings and online/mobile policy management tools for each insurer.
  3. Get multiple quotes: Experts recommend getting quotes from several insurance companies. Ideally, you’ll want to get quotes for the same types and amounts of coverage (or as close as you can get) for the most accurate comparison.
  4. Purchase the policy that suits you best: You’ll most likely want to choose an insurance company that offers the coverage you want at the best price. Many providers make it easy to purchase coverage online after you receive your quote.

Common home insurance discounts in Connecticut

Many Connecticut home insurance companies offer discounts that can help those who qualify save money on their policies. Discount opportunities vary among providers, but here are some of the most common:

Types of home insurance in Connecticut

If you are buying home insurance in Connecticut, there are a few types of coverage that you may want to consider on top of the standard coverage types. Endorsements are optional coverages that can fill gaps in your regular policy. Here are some endorsements that might be beneficial to Connecticut homeowners:

  • Flood insurance: Damage caused by flooding is not covered by homeowners insurance, so you might want to purchase a separate flood insurance policy from the Federal Emergency Management Agency (FEMA) National Flood Insurance Program or a private insurer. You can use FEMA’s flood map to determine if your home is located in a high-risk flood zone, but be aware that flooding can happen anywhere. In fact, 90 percent of natural disasters in the U.S. involve flooding, according to the Insurance Information Institute.
  • Identity theft coverage: This optional coverage helps to pay for the costs associated with restoring your identity if it is stolen. Insurers usually offer professional guidance on how to handle identity theft, as well.
  • Roof replacement cost: The availability of this option will vary by insurer and will depend on the age of your roof. If your roof qualifies, this coverage pays out the actual cost of repairs or replacement if your roof is damaged, rather than the depreciated value.

Your circumstances will determine which optional coverage types suit you best, so talking with an insurance professional may be helpful when choosing endorsements.

Frequently asked questions

Written by
Elizabeth Rivelli
Insurance Contributor

Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others

Edited by
Jessa Claeys
Reviewed by Director of corporate communications, Insurance Information Institute