Updated: March 10, 2026
Advertising & Editorial Disclosure
Connecticut's best renters insurance: Amica
Most affordable renters insurance in Connecticut: Lemonade
Connecticut average renters insurance cost: $190 per year
Amica earned the top spot as Connecticut's best renters insurance provider with a MoneyGeek score of 4.9 out of 5. At $9 monthly, the company scores well for customer experience and affordability.
The five renters insurance companies in Connecticut with the highest MoneyGeek scores are:
| Amica | 4.91 | $9 | $110 |
| Lemonade | 4.83 | $7 | $90 |
| State Farm | 4.74 | $12 | $147 |
| Allstate | 4.69 | $8 | $98 |
| Farmers | 4.68 | $10 | $125 |
*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.
Best for Connecticut Renters
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
J.D. Power Renters Insurance Customer Satisfaction Score
Average Annual Premium
Average Monthly Premium
Connecticut renters can pay as little as $7 per month through Lemonade for $20,000 in personal property coverage. That's $9 less per month than Connecticut's $16 average, or $108 in annual savings.
Rates from the 10 most affordable companies range from $7 to $34 monthly for the same coverage. Seven of 10 insurers charge less than Connecticut's $16 state average, making cheapest renters insurance widely available across the state.
| Lemonade | $7 | $-8 |
| Allstate | $8 | $-8 |
| Amica | $9 | $-7 |
| Farmers | $10 | $-5 |
| State Farm | $12 | $-4 |
| Vermont Mutual Insurance | $15 | $-1 |
| USAA | $15 | $-0 |
| Progressive | $18 | $2 |
| Homesite Insurance | $29 | $13 |
| Travelers | $34 | $18 |
At $190 per year, renters insurance in Connecticut costs the same as the national average of $16 monthly. Connecticut renters pay this amount despite the state's higher population density creating more theft risks and frequent severe weather events that damage property. These local conditions usually drive up what insurers pay out in claims, affecting overall costs.
Somers offers Connecticut's most affordable renters insurance at $14 monthly ($170 annually), while New Haven tops the list at $16 per month ($196 annually). The spread across cities is narrow, with most near $16 per month statewide. Crime rates, weather exposure and local claims history account for these modest pricing differences across the state.
| Bridgeport | $16 | $195 |
| Guilford | $16 | $194 |
| Hartford | $16 | $191 |
| Milford | $16 | $192 |
| New Haven | $16 | $196 |
| Somers | $14 | $170 |
| Stamford | $15 | $184 |
| Waterbury | $16 | $193 |
For the highest coverage level in Connecticut, State Farm offers the lowest rate at $33 per month for $250,000 in personal property coverage and $300,000 in liability protection. Lemonade provides the lowest rates at the lower tiers, with the most affordable options for policies ranging from $20,000 to $50,000 in personal property coverage and $100,000 liability limits.
| $20K Personal Property / $100K Liability | Lemonade | $7 |
| $50K Personal Property / $100K Liability | Lemonade | $16 |
| $100K Personal Property / $100K Liability | Vermont Mutual Insurance | $23 |
| $250K Personal Property / $300K Liability | State Farm | $33 |
Getting the right coverage starts with knowing your coverage options, estimating what your belongings are worth and shopping around for quotes.
Price differences between insurers can be wide. Lemonade charges $7 monthly while Travelers charges $34 for identical $20,000 coverage, a $27 monthly gap. Getting quotes from at least three companies helps you find the lowest rate, and online tools make comparisons quick and simple.
Keeping your renters and auto policies with one insurer can slash 10% to 25% off both premiums. State Farm and Auto-Owners provide bundling discounts that cut your total insurance costs while giving you the convenience of single billing for both policies.
Choosing a higher deductible reduces your monthly premium but increases what you'll pay when filing claims. Before raising your deductible, confirm your emergency fund can handle the larger out-of-pocket expense if you need to file a claim.
Many discounts won't apply automatically, so ask what you qualify for. Connecticut insurers commonly offer savings for security systems, smoke detectors, claims-free records, and automatic payments. State Farm also provides good student discounts for renters under 25 maintaining a B average or higher.
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.
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.
Clothes, shoes, bags, belts, hats, gloves, etc.
Review our experts' answers to frequently asked questions below:
Amica earns the top spot for Connecticut's best renters insurance with a MoneyGeek score of 4.91 out of 5. At $9 monthly, the company offers high customer satisfaction at affordable rates.
Connecticut renters insurance costs $16 per month or $190 annually for $20,000 in personal property coverage. The state matches the national average of $16 monthly due to severe weather risks like hurricanes and higher property crime rates in metro areas.
You'll pay around $41 per month or $495 annually for renters insurance with $100,000 in personal property coverage in Connecticut. Vermont Mutual Insurance offers the cheapest rates at this coverage level for just $23 monthly. This higher coverage amount works best for renters with expensive belongings or collectibles, since most people choose $20,000 to $50,000 in coverage.
Connecticut doesn't require renters insurance by law, but most landlords require at least $100,000 in liability coverage as a lease condition. Your landlord sets specific requirements, which may vary based on rental history, credit score and whether you own pets. Check your lease agreement for exact coverage requirements.
We analyzed Connecticut renters insurance companies to find insurers with affordable rates and excellent service.
We based our quotes on renters with this profile:
Affordability accounted for 50% of each company's score. Customer satisfaction from industry research made up 40%. Add-on coverage options contributed 10%. Companies with the highest combined scores across all factors earned spots on our list of Connecticut's best renters insurance providers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
