Best Homeowners Insurance in Connecticut (2024)
Amica has the best claims satisfaction history of home insurance companies in Connecticut.
Connecticut’s cheapest home insurance companies
Connecticut homeowners find the cheapest home insurance with Allstate, at an average rate of $1,737 a year.
State Farm is the second-cheapest choice, at $1,810 a year.
For comparison, the average cost of home insurance in Connecticut is $2,618 a year.
Cheapest companies in Connecticut
| Company | Average annual rate |
|---|---|
| Allstate | $1,737 |
| State Farm | $1,810 |
| Amica | $2,020 |
| Homesite | $2,876 |
| Merrimack | $3,175 |
| Travelers | $3,530 |
| Great Northern | $3,774 |
| USAA* | $2,022 |
Best homeowners insurance companies in Connecticut
Allstate, Amica, Great Northern and USAA are the best home insurance companies in Connecticut, based on our research.
Allstate has the cheapest average homeowners rates in Connecticut and an excellent range of discounts.
Amica has the highest J.D. Power overall property claims satisfaction rating. Great Northern has the lowest complaint rating, and USAA is the best for currently serving and veteran military, as well as their families.
| Company | Average annual rate | Overall satisfaction* | Complaint index** |
|---|---|---|---|
| Allstate | $1,737 | 868 | 1.79 |
| Amica | $2,020 | 906 | 1.90 |
| Great Northern | $3,774 | NA | 0.26 |
| USAA* | $2,022 | 899 | 0.49 |
| Average | $2,618 in Connecticut | 869 | 1.0 |
*Source: J.D. Power’s 2023 U.S. Home Insurance Study. Higher scores are better; 819 is average.
**Source: NAIC Complaint Index data from 2023. Lower scores are better; 1.0 is average.
Best for cheap rates: Allstate
Allstate has the cheapest rates of the major home insurance companies we looked at in Connecticut, an average rate of $1,737 a year. This is 33% cheaper than the average Connecticut home insurance rate of $2,618 a year.
| Pros | Cons |
|---|---|
Cheapest average rate in Connecticut Rateguard program lets you file one claim every five years without a rate increase Deductible Rewards program can lower your deductible if you don’t make a claim Many discounts for qualified homeowners | Allstate’s Enhanced Package purchase required to take part in RateGuard and Deductible Rewards programs High complaint rating Overall satisfaction slightly below national average |
Home insurance companies offer discounts to their policyholders to stay competitive. When you compare home insurance quotes, be sure to ask if you might qualify for any discounts.
Best claims satisfaction: Amica
Amica has a J.D. Power property claims satisfaction of 906, the highest rating of home insurance providers J.D. Power surveyed.
| Pros | Cons |
|---|---|
Top-tier property claims satisfaction A+ financial strength rating from A.M. Best Low average home insurance rate in Connecticut | Only uses independent agents Few discounts compared to competitors |
Best complaint index rating: Great Northern
Great Northern has a National Association of Insurance Commissioners (NAIC) Complaint Index rating of 0.26. This is the best complaint rating of the home insurance companies we surveyed in Connecticut.
| Pros | Cons |
|---|---|
Good complaint rating A++ rating from A.M. Best | Little website info regarding policy pricing and discounts No mobile app access High average rate in Connecticut |
Best for military members: USAA
USAA has homeowners insurance policy offerings specifically for active-duty and retired military members and their families. Its J.D. Power claims satisfaction rating is second only to Amica.
| Pros | Cons |
|---|---|
Excellent property claims satisfaction Active-duty service members get coverage for military equipment and uniforms with no deductible Personal property coverage at replacement cost | No dedicated agents Only available to active-duty and veteran military and their families Few discounts compared to competitors |
Connecticut home insurance rates by coverage amounts
The dwelling limit you choose for your homeowners insurance policy affects your premium. The higher the coverage limit you choose, the higher your premium.
For example, in Connecticut you pay an average of $558 more a year for a home insurance policy with a $450,000 dwelling coverage limit than one with a $350,000 limit.
Average annual rate by dwelling coverage
| Dwelling coverage limit | Average annual rate |
|---|---|
| $350,000 | $2,342 |
| $400,000 | $2,618 |
| $450,000 | $2,900 |
A good way to counteract this cost difference is to choose a lower deductible. The higher your deductible, the lower your premium.
Cost of homeowners insurance in Connecticut
The average cost of home insurance in Connecticut is $2,618 a year, which is slightly below the national average home insurance rate of $2,801 a year.
Insurers calculate your home insurance quote by weighing different risk factors, including your:
- ZIP code
- Home’s age
- Construction materials used
- Coverage limits and deductible
- Insurance claim history
Standard homeowners insurance policies tend to be similar from company to company. However, as you can see, premiums vary. This is due to homeowners insurance companies weighing risk factors differently. This is why comparing quotes is crucial to getting the best combo of cost and coverage for your needs.
Connecticut home insurance rates by city
Of the 25 most populated cities in Connecticut, Bristol has the cheapest average home insurance rate of $2,097 a year. New Haven has the most expensive average rate of $3,209.
Average home insurance rate by city
| City | Average annual rate |
|---|---|
| Bridgeport | $2,697 |
| Bristol | $2,097 |
| Danbury | $2,109 |
| East Hartford | $2,156 |
| Enfield | $2,100 |
| Fairfield | $2,863 |
| Greenwich | $2,316 |
| Hamden | $2,579 |
| Hartford | $2,815 |
| Manchester | $2,151 |
| Meriden | $2,532 |
| Middletown | $2,443 |
| Milford | $2,925 |
| New Britain | $2,205 |
| New Haven | $3,209 |
| Norwalk | $2,660 |
| Norwich | $2,519 |
| Shelton | $2,200 |
| Southington | $2,130 |
| Stamford | $2,403 |
| Stratford | $2,830 |
| Wallingford | $2,542 |
| Waterbury | $2,874 |
| West Hartford | $2,117 |
| West Haven | $2,847 |
Methodology
The rates shown in this article are based on nonbinding quotes collected from Quadrant Information Services. Your rates may vary. Average rates were compiled from rates in Connecticut.
The following coverages and deductible were used unless otherwise noted:
- $400,000 dwelling coverage
- $40,000 other structures
- $200,000 personal property
- $80,000 loss of use coverage
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible
*USAA is only available to active-duty and veteran military members and their families.