Best and Cheapest Home Insurance Companies in Connecticut

Home insurance in Connecticut costs an average of $1,669 per year. However, the cost of insurance is only one of the many factors that determine the best plan for you. We collected thousands of quotes across hundreds of ZIP codes from Connecticut's top home insurance companies to see how they compare in terms of cost, customer service, reliability and benefits.

Best cheap home insurance in Connecticut

Cheapest home insurance quotes in Connecticut

The average annual rate for home insurance in Connecticut is $1,669. State Farm and Allstate offer cheaper rates on average, State Farm at $1,109 per year and Allstate at $1,103 per year.

Best for most homeowners in Connecticut: State Farm

State Farm is our recommendation for home insurance for most Connecticut homeowners. It is one of the cheapest home insurance companies in Connecticut, with an average price of $1,109 per year — 34% below the state average. While State Farm doesn't offer much in the way of discounts, its already-low rate covers all the basics for home insurance, including personal property and liability protection.

State Farm also has some of the best customer service ratings in the state, with customers filing complaints at a much lower rate than with other companies. You can expect affordable coverage and good support with State Farm, which is why it's a great option for most homeowners.

Cheapest home insurance in Connecticut: Allstate

Allstate has the cheapest home insurance in Connecticut, with a yearly average of $1,103, or $92 per month. If you plan on bundling your home and auto insurance, Allstate offers a large discount compared to its competitors, which could further reduce your overall cost.

While Allstate offers cheaper quotes than State Farm, it scored notably lower than State Farm in customer satisfaction. Also, while Allstate does offer an online quoting tool, we were unable to use it for quotes in Connecticut; instead, we were directed to contact Allstate for a quote. Homeowners in Connecticut may need to work with an agent to buy an Allstate policy.

Best for customer service: Amica

Amica offers the strongest customer service we found in the state of Connecticut. It receives only one-third of the customer service complaints of an average home insurance company its size, and it is well known for making it fast and easy to file any claims.

Amica also offers cheap quotes, with an average rate around 20% below the state average, and many standard discounts. While you can't get many add-ons to customize Amica's home insurance plans, Amica's policies do have solid general coverage that would work for most homeowners.

Best for high-value homes: Chubb

Chubb offers unique benefits with its policies for high-value properties, including risk consulting, home appraisals and cash settlement options in the case of a total loss of your home.

Chubb distinguishes itself from its competitors in Connecticut with its extended replacement cost coverage, allowing you to rebuild or repair your home to its original condition, even if the cost exceeds your policy limit. This will also protect you against the potential upgrade costs to make your home fit any new building codes in your area.

If you decide that you do not want to rebuild your home if it's completely destroyed, Chubb will simply pay you cash for the value of your home without depreciation, along with covering your housing and fees while you are changing locations.

While Chubb does have high monthly costs for homeowners, with rates 40% higher than the state average, it does have some of the most customizable policies so that customers with high-value homes can get exactly the coverage they need. Chubb also has a strong customer satisfaction rating, which is valuable in the midst of a hectic situation where you have to file a claim.

However, Chubb is often only available for homes above a certain value. You might not qualify for a policy from Chubb if your home is worth less than the median home value in Connecticut.

Connecticut home insurance rates by city

Bridgeport, the largest city in Connecticut, has an annual average rate of $1,714, which is 3% higher than the state average of $1,669. New Haven, the second-largest city, is 18% more expensive than the state average.

Best-rated home insurance companies in Connecticut

Amica and Andover both have low rates of customer complaints, indicating their policyholders are generally satisfied with their service. State Farm and Chubb also have strong customer service ratings in the state, each offering personalized service through individual agents.

Common homeowners insurance risks in Connecticut: Nor'easters

Connecticut's most common home insurance perils involve seasonal storms that blow from the ocean with high winds and heavy rains.

While some of the damage from these storms will be covered by most home insurance plans, such as heavy wind damage, some of the expenses homeowners could face would not be covered by most policies, like flooding or evacuation costs. You may want to consider purchasing additional coverage through your home insurance company.

Frequently asked questions

Methodology

To find the best home insurance in Connecticut, we collected quotes from the top eight home insurance companies in the state.

We compared quotes from these companies for a typical home built in 1965 with a value of $275,400, based on the median home age and value of Connecticut homes according to U.S. Census data.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Home insurance ratings are based on complaint data from the National Association of Insurance Commissioners (NAIC), the J.D. Power customer satisfaction survey, as well as ValuePenguin's ratings from the editorial staff.