Homeowners Insurance in Connecticut

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Best Homeowners Insurance in Connecticut (2022)

Allstate, Amica and MetLife are the best homeowners insurance companies in Connecticut, based on our survey of the state’s providers.

Among them, Allstate offers the best home insurance rates, with an average annual premium of $964. That’s more than $600 a year cheaper than the state average of $1,579.

Allstate isn’t the only provider of cheap homeowners insurance in Connecticut. Keep reading to learn which companies may be best for your needs.

In this article:

Who has the best home insurance rates in Connecticut?

Allstate has the best home insurance rates in Connecticut, according to our research, with an average premium of $964 a year.

MetLife also offers cheap homeowners insurance to Connecticut residents, with an average premium of $994 a year.

Amica, State Farm and USAA offer home insurance rates that are below the state average of $1,579, too.

Connecticut home insurance rates by company
Company Average annual premium
Allstate $964
Amica $1,284
Chubb $2,347
Homesite $1,807
MetLife $994
State Farm $1,387
Travelers $2,473
USAA $1,374
State average $1,579
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Keep in mind that these average rates are based on a home built in 1965 and valued at $286,575, as well as a homeowners insurance policy with a $1,000 deductible.

The home insurance quotes you receive from companies serving Connecticut may be higher or lower than these amounts depending on the age and value of your home, as well as the deductible you choose for your policy, among other rate factors.

What are the best homeowners insurance companies in Connecticut?

Allstate is the best homeowners insurance company in Connecticut if you’re looking for the cheapest rate.

Amica, MetLife and USAA are among the best home insurance companies in the state, too, for reasons explained below.

Best rates: Allstate

Allstate offers the best homeowners insurance rates in Connecticut, our data shows, with an average premium of $964 a year. This is the cheapest average premium in Connecticut, and is well below the state average of $1,579.

Allstate offers Connecticut homeowners more than just cheap premiums, too. The company earned a score of 829 out of 1,000 in the J.D. Power 2021 U.S. Home Insurance Study, which examines customer satisfaction. The segment average is 825.

Runner-up for best rates: MetLife

MetLife also offers cheap home insurance coverage to Connecticut residents, with an average premium of $994 a year — just $30 a year more than Allstate’s average premium.

Another reason beyond low rates to consider MetLife for homeowners insurance: current policyholders seem pretty happy with the company. Very few of them file complaints against the insurer with state regulators, according to data from the National Association of Insurance Commissioners (NAIC).

Best for customer satisfaction: Amica

Amica is a big hit with customers. It earned high marks in the J.D. Power 2021 U.S. Home Insurance Study. In fact, its score of 854 is the highest of any company included in the study, which measures customer loyalty and satisfaction.

Amica also receives few complaints from policyholders. Its NAIC Complaint Index score is 0.51, which is well below the median score of 1.0. Numbers lower than 1.0 mean a company gets fewer complaints than expected for the market. Higher numbers mean the company gets more complaints than expected.

This insurer is no slouch when it comes to policy premiums either. Amica offered our sample homeowner an average annual rate of $1,284. This is more expensive than what Allstate and MetLife offered, but only just. And it’s still quite a bit cheaper than the state average.

Best for military and their families: USAA

If you or a family member are past or present military, consider getting home insurance from USAA. Although J.D. Power didn’t rank USAA in its most recent home insurance study, it still gave the insurer a score of 882. This means USAA customers are both very satisfied and very loyal.

USAA also receives relatively few complaints from customers, with a NAIC Complaint Index of 0.73.

How much does homeowners insurance cost in Connecticut?

The average home insurance rate in Connecticut is $1,579 a year, based on our data.

This means that home insurance in Connecticut tends to be cheaper than the national average, which is $1,735 a year.

The average cost of homeowners insurance in Connecticut is cheaper or more expensive as you raise or lower your policy deductible.

Average cost of home insurance in Connecticut by deductible
Deductible Annual average premium
$500 $1,776
$1,000 $1,579
$1,500 $1,497
$2,000 $1,386
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

For example, if you lower your home insurance policy deductible to $500, your average premium in Connecticut increases to $1,776 a year.

If you raise your policy deductible to $2,000, your average premium drops to $1,386.

Where you live in Connecticut impacts how much you pay for homeowners insurance, too. If you live in Danbury, your average annual premium for home insurance is $1,271. That’s the cheapest in Connecticut.

Connecticut home insurance rates by city
City Average annual premium
Bridgeport $1,689
New Haven $1,880
Stamford $1,443
Hartford $1,584
Waterbury $1,650
Norwalk $1,616
Danbury $1,271
New Britain $1,334
West Hartford $1,296
Greenwich $1,399
State average $1,579
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

If you live in New Haven, though, your average annual premium for homeowners insurance is $1,880. The other cities in Connecticut we surveyed sit between Danbury and New Haven in terms of average annual premiums.

Where you buy your homeowners insurance in these Connecticut cities also impacts what you pay for a policy.

If you live in Bridgeport, Connecticut, and get homeowners insurance from Allstate, your average premium is $1,274 a year. Get your policy from MetLife instead, though, and that average premium jumps to $1,459.

Allstate average home insurance rates in Connecticut
City Average annual premium
Bridgeport $1,274
New Haven $1,274
Stamford $1,119
Hartford $1,192
Waterbury $992
State average $1,579
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

On the other hand, residents of Stamford, Connecticut, pay an average home insurance premium of $951 a year if they buy coverage from MetLife, while those who get a policy from Allstate pay an average of $1,119 a year.

MetLife average home insurance rates in Connecticut
City Average annual premium
Bridgeport $1,459
New Haven $1,857
Stamford $951
Hartford $1,145
Waterbury $909
State average $1,579
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

The key takeaway here is that you need to shop around and compare quotes from multiple companies to get your best homeowners insurance rate for the coverage you need.

Methodology

QuoteWizard analyzed quotes from every ZIP code in Connecticut for a standard HO-3 homeowners insurance policy. We used the following coverage limits:

  • $275,000 dwelling*
  • $27,500 other structures
  • $137,500 personal property
  • $55,000 loss of use
  • $100,000 liability
  • $5,000 medical payments
  • $1,000 deductible*

*when not stated otherwise

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