Best and Cheapest Renters Insurance in Connecticut (2026)

Amica ranks first among the 10 Connecticut renters insurers compared, with a MoneyGeek score of 4.9 out of 5 and a premium of $110 a year, $80 below the $190 state average.

These five companies earned the highest MoneyGeek scores for renters buying $20,000 in personal property coverage.

*Rates for renters aged 26 to 64 with good credit and no claims history. Policy includes $20,000 in personal property coverage, $100,000 in liability coverage and a $500 deductible.

Amica ranks first because it pairs the best service score with a price $80 below the state average, not because it's the cheapest. We rate its customer experience a perfect 5.0, with one of the lowest NAIC complaint rates of any carrier. Lemonade has the most affordable rate for Connecticut renters at $21 cheaper than Amica. It has a positive digital-first expereince for renters who prefer handling claims online, but its NAIC complaint ratio of 3.5 comes in much higher than Amica's. Renters who want someone to call when they file a claim get more from Amica's extra $21 than from Lemonade's savings.

The bigger gap is how claims are paid. Amica and Allstate pay actual cash value unless replacement cost is added, so a three-year-old laptop that cost $1,000 may pay only $350 to $400 after depreciation, while Lemonade pays replacement cost as standard, a unique benefit.

Connecticut storms add a second reason to compare add-ons. Water backup, which Amica and State Farm offer, pays for backed-up drains and sump pump failures, the kind of water damage a storm can cause in basement and ground-floor units, but it does not cover rising floodwater, which standard renters policies exclude.

Lemonade is the cheapest Connecticut renters insurer at $90 a year ($7 a month) for $20,000 in personal property coverage, and seven of the 10 carriers compared price below the $190 state average.

The $316 gap between Lemonade and Travelers is more than three times Lemonade's premium, so pull at least three quotes and include Allstate ($98) and Amica ($110), the next two cheapest.

Housing already takes at least 30% of income for 54% of Connecticut renter households, so Lemonade's $101 in savings compared to the $190 state average leaves about $8 a month in budgets that rent already strains.

Lemonade is the cheapest carrier in five of the eight Connecticut cities we analyzed, and Allstate is the cheapest in the other three: Hartford, New Haven and Waterbury.

City averages sit within $26 of each other, from $170 in Somers to $196 in New Haven, so the renters insurance company you pick matters more than where you live: in Bridgeport, Lemonade ($77) and Travelers ($451) are $374 apart.

Allstate is the cheapest option in three of Connecticut's largest cities, so renters in Hartford, New Haven and Waterbury should quote it first (in Hartford it charges $92 compared to Lemonade's $108), while Lemonade is cheapest in the shoreline and suburban towns.

New Haven has the highest city average at $196 and sits in the Connecticut metro with the heaviest rent burden relative to income, according to USAFacts, so New Haven renters have the most to gain from Allstate's $102.

Renters near the shoreline or a river should also price flood contents coverage separately, because a standard renters policy excludes flood damage.

Lemonade is the cheapest Connecticut carrier at $20,000, $50,000 and $100,000 in personal property coverage, while State Farm is the cheapest at $250,000, where its $398 premium sits $677 below the $1,075 state average.

State Farm's price rank climbs as limits rise, from fifth at $20,000 to first at $250,000, where it charges $398 a year compared to $918 at Lemonade and $1,151 at Amica.

Add up the value of what you own before choosing a coverage level. A renter with $35,000 in belongings is $15,000 short at the $20,000 tier, and Lemonade's $50,000 tier costs $97 more a year than its $20,000 tier, so price that step first. Renters who own more than $100,000 in belongings, such as jewelry, instruments or camera gear, should get a State Farm quote at their actual limit.

Lemonade is the cheapest carrier in Connecticut, whether you have good or poor credit. It charges $90 on average for good credit and $115 for poor credit, and the typical carrier charges about twice as much to a poor-credit renter as to a good-credit one.

Lemonade's $26 increase and Amica's $55 are the two smallest of the eight, while State Farm's is $148 and Travelers' is $822, so a renter who pays $147 at State Farm with good credit pays $294 with poor credit, $179 more than Lemonade's $115.

Getting the right coverage starts with knowing your coverage options, estimating what your belongings are worth and shopping around for quotes.

Most Connecticut landlords require at least $100,000 in liability coverage, even though the state doesn't mandate renters insurance by law. Factors like pet ownership, credit score and rental history affect your coverage requirements. Your property value, local weather risks and crime rates should inform your coverage limits.

Use our calculator below to find out how much renters insurance you need.

Amica is Connecticut's best renters insurer at $110 a year and a 4.9 MoneyGeek score, and Lemonade is the cheapest at $90, so the choice comes down to Amica's service record against Lemonade's lower price and built-in replacement cost. Renters with more than $100,000 in belongings should start with State Farm.

To find Connecticut renters insurers that pair low rates with strong service, we compared rates and ratings for 10 carriers. Every company's rates were pulled for the same renter profile:

• Ages 26 to 64
• Good credit
• No claims in the last five years
• Apartment or condo
• $20,000 in personal property coverage
• $100,000 in liability coverage
• Replacement cost
• $500 deductible

Each company was then scored on three factors. Affordability carries 50% of the score and comes from the rates above. Customer experience accounts for 40% and draws on industry research. Add-on coverage options make up the remaining 10%. The five companies with the highest combined scores form the top 5.

Average costs are calculated using quote data from Quadrant Information Services. Credit, deductible and coverage level figures use the same profile with one variable changed. 

To learn more, see our renters insurance methodology.