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: November 12, 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.
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.
Before shopping for quotes, try our renters insurance estimate calculator to understand how much coverage protects your furniture, electronics and other possessions.
Connecticut Renters Insurance Quote Estimates
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Rates updated:
Dec 10, 2025
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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:
$50K Personal Property / $100K Liability
Select
Claim free for 5+ years
Yes
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:
$50K Personal Property / $100K Liability
Select
Claim free for 5+ years
Good
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.
- 1Determine 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.
- 2Research 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.
- 3Compare providers
Check providers' reputations, prices and coverage options to find those matching your needs. This helps narrow your list before requesting quotes.
- 4Consider bundling
See if combining renters and auto insurance with your current provider saves money. Bundling discounts can sometimes make renters insurance very affordable.
- 5Compare 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.
- 6Compare 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 should know about these hazards that might require buying extra protection:
- Weather risks: Flooding happens more in Connecticut than any other natural disaster. Where you live determines whether hurricanes and snowstorms pose serious threats too. Your basic policy skips these disasters, so you'll buy separate protection.
- Crime risks: Connecticut places 12th for property crime and 21st for identity theft among all states. Look into add-ons or extra property damage coverage.
- Pet ownership: Whether you need pet liability protection depends on what animal you have. See how each company treats pet coverage and if they build it into standard plans.
- Property types: Your standard plan probably won't fully protect specialized tools, expensive belongings, electronics or amenities like pools where you rent. Search for companies selling targeted add-ons for these possessions.
How Does Renters Insurance Coverage Work?
Renters insurance usually handles property damage, legal liability when others get hurt, and living costs if you lose access to your rental. Extra options strengthen what your policy protects. Standard renters coverage types include:
Coverage Type | Standard or Add-on | Coverage Details |
|---|---|---|
Standard | Reimburses what you own inside your rental up to your chosen limit. Plans without replacement cost pay based on current value after depreciation. Replacement cost plans get you a brand-new equivalent item. | |
Standard | Shields you financially when visitors get hurt where you live. It handles their medical costs and your legal bills. Landlords usually demand this coverage. | |
Additional living expenses | Standard | Helps pay for restaurants, hotels and rides when disaster forces you out of your home. Insurers either cap this as a percentage of your belongings limit or set a fixed dollar amount. |
Natural disasters | Add-on | Handles belongings ruined by earthquakes and floods. Select companies sell these as standalone disaster policies. |
Parts/Equipment | Add-on | Standalone coverage protecting tools, appliances and utility systems where you live. |
Scheduled property | Add-on | Lets you protect specific high-value possessions up to dollar limits you choose. |
Identity theft | Add-on | Shields your finances when thieves steal your identity, covering stolen money and attorney costs. Some versions add monitoring that watches for identity theft attempts. |
Pet liability | Add-on | Covers medical costs and lawsuits when your animal hurts someone at your rental, though your basic plan might already include this. |
Modifications | Add-on | Handles improvements and custom changes you've made that weren't part of the original rental unit. |
Food loss | Add-on | Repays you for groceries and perishables ruined during covered disasters. |
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
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.