Home insurance in Connecticut costs about $224 monthly or $2,693 annually on average. Residents pay $5 more per month, or $58 more annually, than the national average, making it the 16th most expensive in the country.
Average Home Insurance Cost in Connecticut
Updated: June 3, 2025
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Rates updated:
Jun 06, 2025
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Key Takeaways
Home insurance costs in Connecticut range from $1,669 to $17,640 per year, depending on various factors.
Connecticut's home insurance premiums are the 16th most expensive in the country, at 2% over the national average.
To find the best home insurance in Connecticut, determine your coverage needs, research providers and costs, and gather multiple quotes.
How Much Is Home Insurance in Connecticut?
| Connecticut Average | $224 | $2,693 | 2% |
| National Average | $220 | $2,635 | 0% |
*These rates represent a home built in 2000 out of frame with $250,000 dwelling, $125,000 personal property and $200,000 liability coverage with a $1,000 deductible.
Average Home Insurance Cost By City
Depending on your city, various risk factors, including your property’s age, weather-related factors and home valuations, change drastically, affecting home insurance costs. For example, the average monthly home insurance cost in Bridgeport is around $227; in Hartford, it’s lower at $187.
| Bridgeport | $227 | $2,730 |
| Hartford | $187 | $2,244 |
| New Haven | $231 | $2,773 |
| Stamford | $198 | $2,377 |
| Waterbury | $193 | $2,315 |
*These rates represent a home built in 2000 out of frame with $250,000 dwelling, $125,000 personal property and $200,000 liability coverage with a $1,000 deductible.
Why Is Home Insurance so Expensive in Connecticut?
Home insurance is expensive in Connecticut because of the increasing number of claims, the high risk of severe weather and natural disasters, rising material and labor costs and state insurance laws. Below, we explain each factor in detail.
Rising Claims
Increased frequency or cost of claims in a region signals higher risk to insurers, leading to elevated home insurance prices to cover potential payouts.
High Weather Risks
Areas prone to severe weather, such as hurricanes or wildfires, face higher home insurance rates due to the greater likelihood of damage-related claims.
Rising Material and Labor Costs
As the cost of building materials and labor rises, home repairs become more expensive, prompting insurance companies to raise premiums to cover these increased costs.
State Insurance Laws
State-specific regulations can affect insurance costs. Mandates for higher coverage limits or other rules can result in increased home insurance premiums.
What Affects Connecticut Home Insurance Costs?
Like for most home insurance companies, regardless of state, pricing is mostly affected by these factors:
- Location
- Coverage chosen
- Home build details
- Provider chosen
- Credit
- Claims history
We've highlighted below how much each factor affects rates specific to Connecticut.
How Much Does Location Affect Home Insurance Costs?
Location is the biggest factor affecting home insurance rates in Connecticut, with rates varying by up to 31%. Weather risks, home value and population density in your area play a major role in determining costs.
| Lowest | Connecticut State Remnant Tier Aggregate | $156 | $1,867 |
| Highest | Connecticut Small Tier Aggregate | $271 | $3,253 |
How Much Does Coverage Affect Home Insurance Costs?
Coverage choices are the second most influential factor in Connecticut home insurance rates, averaging from $1,371 to $8,728 per year. Higher coverage limits and lower deductibles increase premiums, while lower limits and higher deductibles reduce costs.
| Lowest | $100K Dwelling / $50K Personal Property / $100K Liability | 2000 | $114 | $1,371 |
| Highest | $1MM Dwelling / $500K Personal Property / $1MM Liability | 500 | $727 | $8,728 |
How Much Do Home Details Affect Home Insurance Costs?
Home details like age, construction materials and roof type are the third most influential factor in Connecticut homeowners insurance rates, averaging from $92 to $241 per month. These factors affect replacement costs and the risk of damage or theft, leading to rate differences.
| Lowest | New | Superior | Tile | $92 | $1,100 |
| Highest | Old | Frame | Shake-Treated | $241 | $2,888 |
How Much Does the Provider You Choose Affect Home Insurance Costs?
Your choice of insurer is the fourth most influential factor in Connecticut home insurance rates, with prices ranging from 49% below to 127% above the state average.
| Lowest | Farmers | $108 | $1,297 |
| Highest | Travelers | $485 | $5,822 |
How Much Does Credit Affect Home Insurance Costs?
A higher credit score makes you appear more reliable, which can lower your home insurance costs. Premiums vary by up to 63%, with annual average rates ranging from $1,750 to $6,134.
| Lowest | Excellent | $146 | $1,750 |
| Highest | Poor | $511 | $6,134 |
How Much Does Claims History Affect Home Insurance Costs?
In Connecticut, claims history has a smaller impact on cost than other factors, affecting rates by up to 16% or $977 annually. Filing more claims increases perceived risk, leading to higher premiums.
| Lowest | Claim free for 5+ years | $213 | $2,559 |
| Highest | 2 claims in past 5 years | $295 | $3,537 |
Tips to Save on Connecticut Home Insurance
With high home insurance costs in Connecticut, saving on premiums is important when buying a home or cutting expenses. Below are tips to help you secure the best and cheapest home insurance in Connecticut.
- 1
Find How Much Coverage You Need Beforehand
Determining how much home insurance you need before buying allows you to frame how you search for coverage and avoid being oversold by agents. In addition to standard coverage options, you should also consider if you need add-ons to protect any additional items you own.
- 2
Research Costs and Discounts Beforehand
To determine if you’re getting a good deal, understand the average costs for you and your home. Also, ask agents about all available home insurance discounts, as some insurers apply certain reductions only if requested.
- 3
Compare Multiple Providers Through Different Avenues
Compare multiple insurers apples to apples to find the best coverage for your needs. Use various methods, including online comparison sites, brokers, provider websites, and agents, as quotes vary significantly across these channels.
- 4
Consider Bundling Policies
Bundling policies can lead to significant savings. For example, combining home and auto insurance in your area can save a notable percentage on home insurance and bring annual savings on both policies.
- 5
Reduce Your Personal Risk Profile
To get cheaper premiums on your home, consider making improvements like adding storm shutters or home security systems. Also, improving your credit score can decrease premiums drastically. For example, moving from a fair to a good credit score can save you 28% on average.
- 6
See if You Are Eligible for State Programs
Talk with state resources to get affordable coverage if traditional coverage is denied.
Connecticut Home Insurance Calculator: Bottom Line
Home insurance costs depend on several factors, with location and coverage level being the most important. To secure the best rates, research your needs and average prices, then use our estimate tool to find the best deal.
Homeowners Insurance Calculator Connecticut: FAQ
The cost of homeowners insurance in Connecticut depends on several factors. To help you estimate your expenses, MoneyGeek answers common questions about home insurance in the state.
How much does homeowners insurance cost in Connecticut?
Connecticut's average monthly home insurance cost is $224 for a dwelling coverage of $250,000. However, your rate will depend on factors like your credit score, liability and property coverage limits and deductible.
How do I know how much dwelling coverage to get?
Homeowners can estimate their required dwelling coverage by calculating the cost to replace their home after damage, often with help from an appraiser. While this study uses a baseline coverage of $250,000, the MoneyGeek homeowners insurance calculator can help you determine the best coverage limit for your needs.
What factors affect home insurance costs the most?
The biggest factors affecting home insurance costs are your location, chosen coverage level and provider. Your credit score and home details also play a crucial role.
How We Determined Our Connecticut Home Insurance Estimates
When determining the average cost of home insurance in Connecticut, we used a base profile for a simple estimate consistent with the following:
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Home built year: 2000
- Construction type: Frame
- Roof type: Composition
- $1,000 deductible
- No claims in the past 5+ years
- Fire protection level of 3
However, rates will vary widely depending on factors such as coverage level, provider chosen, the age of the home, other features of the home, insured credit and claims history, among other factors. All other combinations presented in this article assume the home was built in 2000.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.