Allstate, State Farm and Chubb offer Connecticut's best cheap renters insurance. Allstate has the lowest rates starting at $15 monthly, while State Farm has a good balance of price, customer service and coverage. Chubb provides excellent coverage options.
Cheap Renters Insurance in Connecticut
Updated: April 22, 2025
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Key Takeaways
Allstate offers the cheapest renters insurance in Connecticut, starting at $179 annually. State Farm is the best overall company.
Renters insurance in Connecticut costs around $26 per month but ranges from $15 to $57.
To get the best and most affordable renters insurance, determine your coverage needs first, research costs and compare multiple quotes.
Connecticut Renters Insurance Quote Estimates
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Rates updated:
Apr 24, 2025
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Best Cheap Renters Insurance Companies in Connecticut
| State Farm | 93 | $21 | $251 |
| Chubb | 91 | $31 | $377 |
| Allstate | 91 | $15 | $179 |
| ASI | 73 | $42 | $502 |
| Homesite | 71 | $57 | $688 |
*This list shows rates for a renter with good credit, no claims history, $50K in property damage coverage, $100K in liability coverage, a $1,000 deductible and guaranteed replacement.
Compare Personalized Best Cheap Renters Insurance in Connecticut
While the list above covers most renters, it may not reflect the best options for your needs. Below is a filterable table tailored to match your profile, helping you find the best choice in Connecticut.
Data filtered by:Results filtered by:
Select
Coverage Level:$50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Claims History:Claim free for 5+ years
Select
Contents Replacement:Yes
Select
Credit Tier:Good
| Chubb | 96 | $17 | $200 |
| State Farm | 95 | $15 | $182 |
| Allstate | 91 | $15 | $175 |
| Farmers | 86 | $19 | $223 |
| ASI | 75 | $24 | $284 |
Best Connecticut Renters Insurance Reviews
Below are more details about our top picks for affordability, customer service and coverage options for renters insurance in Connecticut.
Allstate: Most Affordable Plans
pros
Lowest rates
Largest discount offering selection
High financial stability ratings
cons
Below-average customer satisfaction
Limited add-on coverage options
COMPANY HIGHLIGHTS
Allstate offers Connecticut's lowest renters insurance rates, starting at $15 monthly. It provides unique discounts for autopay enrollment and retirees over 55. However, the company ranks below average in J.D. Power's customer and claims satisfaction ratings.
State Farm: Best for Customer Service
pros
High customer satisfaction ratings
Strong discount options
Large add-on coverage selection
cons
Lower-than-average claims satisfaction score
COMPANY HIGHLIGHTS
State Farm is Connecticut's second-most affordable renters insurance option and leads our picks for customer satisfaction. It places seventh in J.D. Power's rankings for overall customer experience. The provider offers excellent add-on coverage options, including earthquake, flood and computer damage protection.
Chubb: Best for Coverage Options
pros
Most extensive add-on coverage selection
High claims and customer satisfaction ratings
cons
Less affordable for lower property damage coverage levels
COMPANY HIGHLIGHTS
Chubb costs more than other Connecticut renters insurance providers, but balances strong customer experience with robust coverage options. It ranks first in J.D. Power ratings for claims and overall customer satisfaction. The company offers unique options like coverage for high-value items.
Average Cost of Renters Insurance in Connecticut
The average cost of renters insurance in Connecticut is $316 per year, $74 higher than the national average of $242. These rates reflect a policy with $50K in personal property coverage, $100K in liability limits and a $1,000 deductible.
Your actual rate may vary based on your profile. Check our table below to see major factors affecting renters insurance premiums and find average costs for your profile.
Data filtered by:Results filtered by:
Select
Coverage Level:$50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Claims History:Claim free for 5+ years
Select
Credit Tier:Good
Select
Contents Replacement:Covered
| $50K Personal Property / $100K Liability | $26 | $316 |
Average Connecticut Renters Insurance Cost by City
Renters insurance costs vary widely by city. The average annual premium in Bridgeport is $295; in Stamford, it's $267 for a policy with $50K in personal property coverage and $100K in liability coverage. Check the table below for the average cost in your city.
| Bridgeport | $295 |
| Hartford | $286 |
| New Haven | $289 |
| Stamford | $267 |
| Waterbury | $281 |
*This table shows rates for a renter with good credit and no claims history. Policies include $50K property damage coverage, $100K liability coverage, a $1,000 deductible and guaranteed replacement.
Connecticut Renters Insurance: Buyer's Guide
Finding the right renters insurance in Connecticut can be challenging. This guide will help you choose coverage that fits your needs.
How to Find the Best Cheap Renters Insurance in Connecticut
With so many choices, finding affordable renters insurance that matches your needs can be difficult. Follow this step-by-step guide to select the best option for your situation.
- 1
Determine the right coverage level
Know how much coverage you need before shopping for renters insurance. List what you want to insure and its value. Think about weather risks, crime rates and pet-related factors in your area.
- 2
Research costs and discounts
Look up average costs for your situation to create a benchmark for comparing quotes. Find discounts you might qualify for to reduce your costs.
- 3
Compare providers
Check providers' reputations, prices and coverage options to find those matching your needs. This helps narrow your list before requesting quotes.
- 4
Consider bundling
See if combining renters and auto insurance with your current provider saves money. Bundling discounts can sometimes make renters insurance very affordable.
- 5
Compare multiple quotes through different channels
To find the best deal, get at least five similar quotes from different sources. Use comparison sites, provider websites, insurance brokers and direct calls to agents.
- 6
Compare rates annually
Insurance rates change often, so your current provider may not always offer the best price. Compare options yearly to keep your premium affordable.
How Much Renters Insurance Do I Need in Connecticut?
Renters insurance isn't required by law in Connecticut, but most landlords require at least $100K in liability coverage. Requirements may vary based on your rental history, credit and pet ownership. Consider how much property you want covered, weather risks, crime in your area and if you own a pet.
Use our calculator below to determine your ideal personal property limits and how much renters insurance you need.
Personal Property Coverage Calculator
When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.
clothing & accessories
Clothes, shoes, bags, belts, hats, gloves, etc.
Connecticut Renter Risk Considerations
Connecticut renters face certain risks that may require additional insurance coverage:
- Weather risks: Flooding is Connecticut's most common natural disaster, and, depending on your location, you may also be at high risk for hurricane and snowstorm damage. Standard coverage may not cover these threats, requiring a separate purchase.
- Crime risks: Connecticut ranks 12th nationwide for property crime rate and 21st for identity theft and fraud. Consider add-ons or supplemental property damage coverage.
- Pet ownership: You might need pet liability coverage depending on your pet. Check how different providers handle pet coverage and whether it's included in standard policies.
- Property types: Standard policies may not fully cover special tools, valuables, electronics or structures like pools on rented property. Look for companies offering specific add-ons for these items.
How Does Renters Insurance Coverage Work?
Renters insurance typically covers damage to your property, liability for harm to others and loss of use related to your rental home. Additional coverage options can make your policy more comprehensive. Common types of renters insurance coverage include:
Coverage Type | Standard or Add-on | Coverage Details |
|---|---|---|
Standard | Reimburses you for personal property within your rental up to a specified limit. Without replacement cost coverage, reimbursement is based on the item's actual cash value, not the original purchase price. Replacement cost coverage ensures you receive a new item of a similar kind and quality. | |
Standard | Protects you if someone is injured on your property. It covers medical expenses and legal costs and is often required by landlords. | |
Additional living expenses | Standard | Helps with expenses like meals, lodging and transportation if you lose access to your rental home. Depending on the insurer, the limit is either a percentage of your personal property coverage or a flat amount. |
Natural disasters | Add-on | Covers personal property damage caused by earthquakes and floods. Separate policies for these disasters are available through select providers. |
Parts/Equipment | Add-on | Separate policies that cover tools, appliances and utilities in your rental home |
Scheduled property | Add-on | Allows you to insure certain valuable items up to a specified limit |
Identity theft | Add-on | Protects you financially from identity theft, covering stolen funds and legal costs. Some policies also offer monitoring services to help prevent identity theft. |
Pet liability | Add-on | Protects against injuries caused by your pet on your rental property, though a standard policy may cover this |
Modifications | Add-on | Covers parts of your rental property that aren't original, including custom additions and modifications |
Food loss | Add-on | Reimburses you for food lost due to covered incidents |
Best Renters Insurance in Connecticut: Bottom Line
State Farm, Chubb and Allstate are Connecticut's best and cheapest overall renters insurance companies. While we recommend these options, research and compare multiple companies and quotes to get the best deal.
Renters Insurance in Connecticut: FAQ
Review our experts' answers to frequently asked questions below:
What is the cheapest renters insurance company in Connecticut?
Allstate offers the cheapest renters insurance in Connecticut, with an average annual premium of $179 or $15 per month.
What is the best renters insurance company in Connecticut?
State Farm is the best renters insurance company in Connecticut, with a MoneyGeek score of 93 out of 100 due to its great balance of affordability, customer service and coverage options.
How much does renters insurance cost in Connecticut?
The average cost of renters insurance in Connecticut is $316 per year or $26 per month, 31% higher than the national average. Annual premiums range from $179 to $688.
Is renters insurance required in Connecticut?
Renters insurance isn't legally mandated in Connecticut, but your landlord may require it. Evaluating your needs and circumstances can help determine whether buying a policy is right for you. Reasons to get renters insurance include financial protection against common perils and liability costs of third-party injuries.
How We Found the Best Cheap Renters Insurance Companies
We based our affordability score (60% of the total score) on quotes for a profile with:
- $50K personal property coverage
- $100K liability coverage
- $1,000 deductible
- Property replacement coverage
- Good credit score
Our complete scoring also considered:
- Customer satisfaction from industry research (25%)
- Add-on coverages (10%)
- Financial strength ratings (5%)
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.
sources
- Connecticut State Department of Public Health. "Natural Disasters." Accessed April 22, 2025.
- Insurance Information Institute. "Facts + Statistics: Identity Theft and Cybercrime." Accessed April 22, 2025.
- U.S. News. "Low Property Crime Rate." Accessed April 22, 2025.