Connecticut Home Insurance Costs (2026)

How much is homeowners insurance in Connecticut?

Homeowners insurance in Connecticut averages $288 a month for the house we priced, with rates as of Sept. 30, 2026. The 4 major insurers we compared are Amica, State Farm, Liberty Mutual and Travelers, and each one priced our sample home in all 184 Connecticut ZIP codes in our data, which span 9 planning regions. For this house, Connecticut is the 18th most expensive of the 50 states and D.C.

Our figures are for a $300,000 dwelling; insuring a larger or costlier house for more usually costs more.

For the same insurers and ZIP codes, the Connecticut average rose 10.3% since Nov. 2025, from $3,133 a year ($261 a month) on Nov. 30, 2025, to $3,455 ($288) on Sept. 30, 2026, as State Farm’s rose 102.1%, Amica’s rose 4.7% and Liberty Mutual’s rose 2.9%.

Homeowners insurance averages by insurer in Connecticut for our sample home (rates as of Sept. 30, 2026)

Amica averaged $164 a month ($1,971 a year), State Farm $179 ($2,145), Liberty Mutual $343 ($4,120) and Travelers $465 ($5,584) for our sample home.

Same sample home: each insurer’s average yearly price in the same Connecticut ZIP codes, Nov. 30, 2025 and Sept. 30, 2026

All 4 insurers in the table priced the same 184 Connecticut ZIP codes on both dates.

By ZIP code: each insurer’s yearly price for the same house changed with the Connecticut address:

• Amica ran from $1,640 to $3,140 a year by ZIP code and priced all 184 Connecticut ZIP codes in our data.
• State Farm ran from $1,730 to $2,852 a year by ZIP code and priced all 184 Connecticut ZIP codes in our data.
• Liberty Mutual ran from $3,583 to $4,912 a year by ZIP code and priced all 184 Connecticut ZIP codes in our data.
• Travelers ran from $3,896 to $10,449 a year by ZIP code and priced all 184 Connecticut ZIP codes in our data.

Why one insurer stands out: Travelers’ average for our sample home, $465 a month, is about 2 times the other 3 insurers’ average. It stays in our figures. Without it, the Connecticut average would be $229 a month ($2,745 a year), 11.5% below the average of the 50 states and D.C.

Same sample home with all 4 insurers and without Travelers (rates as of Sept. 30, 2026)

The 50-states-and-D.C. figure includes every insurer we priced in each state.

Who has the cheapest homeowners insurance in Connecticut?

Amica had the lowest home average for our sample home of the insurers anyone can buy from, $164 a month ($1,971 a year), 8.1% below State Farm’s $2,145 a year, the next of those insurers. It may not be the lowest for your house, so compare a few quotes.

What changes your price: where the house sits, its value, age and roof, your deductibles, claims and credit, and whether you add a car. In Connecticut, ZIP code averages for this house ran from $245 a month in Danbury to $416 in Westbrook, while insurers’ statewide averages ran from $164 to $465.

Same house, different state: how does Connecticut compare?

Connecticut costs more for the identical house than all 3 of its neighbors: its $288 a month is 24.9% above Rhode Island’s $231.

Same sample home: average home insurance prices in Connecticut, neighboring states and the 50 states and D.C. (rates as of Sept. 30, 2026)

Same sample house in every state; each figure averages every insurer we priced there, so one high-priced insurer can lift a state’s average.

Of the other 49 states and D.C., 33 have a lower average for this house than Connecticut and 17 a higher one.

Compare all states: home insurance costs for the same house in all 50 states and D.C.

Is $200 a month a lot for home insurance in Connecticut?

It’s less than our sample home costs in Connecticut: $288 a month, the 18th most expensive of the 50 states and D.C. 2 of the 4 insurers we compared averaged under $200 for the same house: Amica ($164) and State Farm ($179). If a quote for your home is near $200, compare its dwelling limit and deductibles with ours ($300,000 and $1,000) before you decide.

What is the 80% rule in homeowners insurance?

A consumer guide from the National Association of Insurance Commissioners, the group of state insurance regulators, explains that many policies reduce a partial-loss payment if you insure for less than 80% of your home’s replacement cost, the cost to rebuild it. For our $300,000 sample house, that’s at least $240,000, so check your limit against a current rebuilding cost, not the home’s market value.

How do hurricane and wind deductibles work in Connecticut?

Your deductible is the amount you pay out of pocket on each claim before your insurer pays. The house we priced has a $1,000 deductible for covered losses other than a hurricane, including wind and hail. Our sample home request also includes a 2% hurricane deductible, a setting we use in every state; real policies near the coast may carry a larger hurricane deductible, so ask for yours.

In Connecticut, a hurricane deductible can apply only when the National Weather Service has issued a hurricane warning for any part of the state and the storm has sustained winds of at least 74 mph, under the Connecticut Insurance Department’s coastal guidelines; wind and hurricane deductibles are generally a percentage of the home’s insured value.

Your wind and hail deductible in dollars (illustration only)

The table shows deductibles, not premiums. At 2%, the deductible on our sample home’s $300,000 dwelling is $6,000, more than the $3,455 a year that house averages in Connecticut.

A higher deductible usually lowers your premium, so weigh the lower price against the bigger bill you’d face after a storm.

What if an insurer won’t renew your Connecticut home?

Read the notice and your policy’s own cancellation and nonrenewal terms, then start shopping right away. If a notice doesn’t make sense to you, or you need help with a claim, call the Connecticut Insurance Department at 800-203-3447.

In our data, every insurer we compared priced our sample home in all 184 Connecticut ZIP codes.

How much is condo insurance in Connecticut?

Condo insurance for our sample condo averages $38 a month ($454 a year) in Connecticut. For our sample condo, prices among the 3 insurers we compared ranged from $31 to $50 a month, a $19-a-month gap for the same coverage.

Condo insurance averages by insurer in Connecticut for our sample condo (rates as of Sept. 30, 2026)

State Farm averaged $31 a month ($367 a year), Amica $33 ($396) and Allstate $50 ($598) for our sample condo.

State Farm had the lowest condo average for our sample condo of the insurers anyone can buy from, $31 a month ($367 a year), 7.4% below Amica’s $396 a year, the next of those insurers. Your unit may price differently, so get a few condo quotes.

Connecticut’s condo average is the 24th most expensive of the 50 states and D.C., 5.8% below their average of $40 a month ($481 a year).

For the same insurers and ZIP codes, the Connecticut condo average rose 3.9% since Nov. 2025, from $36 to $38 a month, as Allstate’s rose 6.8%, Amica’s rose 3.5% and State Farm’s didn’t change.

By ZIP code, the Connecticut condo average for our sample condo ran from $33 a month in New Hartford (06057) to $45 in New Haven (06511).

Our sample condo is a 2,000-square-foot unit in a building built in 2005, with $60,000 of coverage for the unit, $60,000 for belongings, $300,000 liability and a $1,000 deductible. The owner is 40, single, has good credit and no claims in 10 years.

• $60K unit coverage
• $60K belongings
• $1,000 deductible
• Built 2005

Which part of a Connecticut condo is yours to insure?

The association’s master policy covers the building, and your condo policy covers what the declaration and master policy leave to you. In our sample policy, $60,000 covers the inside of the unit and $60,000 your belongings, and that package averages $38 a month in Connecticut.

What to check with your HOA before you buy condo insurance

• The master policy: ask the association or manager for its certificate of insurance and declarations page.
• Bare walls or more: find out whether it stops at the bare walls or also covers fixtures and finishes; that sets your unit coverage.
• The master deductible: ask how large it is and whether the association can pass part of it to owners after a storm.
• Loss assessment: ask your insurer how much loss assessment coverage your policy includes (it can pay your share if the association bills owners for a covered loss to shared parts of the building).

Official resources for Connecticut homeowners

• Connecticut Insurance Department Consumer help, complaints and licensed insurers. Consumer line: 800-203-3447.
• National Weather Service The National Weather Service event summary (May 15, 2018).
• National Association of Insurance Commissioners: homeowners guide Coverage basics and the 80% rule.
• FEMA Flood Map Service Center The official source for FEMA flood maps.
• FloodSmart FEMA’s site for the National Flood Insurance Program.