Lemonade has the best prices for renters insurance in Connecticut, with an average rate of $141 per year, or about $12 per month.
Compare Cheap Renters Insurance Quotes in Connecticut
Best cheap renters insurance in CT
Cheapest renters insurance companies in Connecticut
The average cost of renters insurance in Connecticut is $16 per month, or $194 per year.
Lemonade has the cheapest renters insurance in Connecticut, at an average price of about $12 per month. Amica, State Farm and Allstate also offered rates below the state average.
Compare Cheap Renters Insurance in Connecticut
Renters insurance in Connecticut is relatively affordable compared to the rest of the country. Nationwide, renters insurance usually costs about $18 per month.
Cheapest renters insurance companies in Connecticut
Best renters insurance for most people: Lemonade
We recommend Lemonade as the best renters insurance for people in Connecticut. It has low rates of just $141 per year, or about $12 per month. That's the cheapest we found statewide and 27% less than the average cost overall.
Lemonade insurance is only sold online, and you'll manage your policy exclusively through its mobile app. The app is well-designed and easy to use, but if you'd prefer to talk on the phone (or in-person) with an agent, Lemonade is not the right option.
Lemonade's customer service is not especially well-rated. Its NAIC complaint index is high, at 1.94, which means it's received about twice as many complaints as a typical insurance company of its size.
Founded in 2015, Lemonade is also a new company, relative to other insurers. If you're looking for a more longstanding insurer with top-notch customer service, we recommend Amica instead.
Best customer service: Amica
For renters looking for high-quality service at an affordable price point in Connecticut, we recommend Amica. It's just a few dollars more expensive per year than our top pick and has generally well-rated service.
The average price we found at Amica is $142 per year — only $1 more annually than our top pick, and 27% less than the average overall.
Amica also has generally well-rated service. It received a 4/5 in our renters insurance service ratings, reflecting its customers’ generally positive experiences.
We also like that Amica offers car insurance in addition to renters coverage. If you own a car, bundling your renters and auto policies together will simplify your monthly bills, and you’ll qualify for a small discount.
The drawback that keeps Amica from being our top pick is its limited online availability, especially in coastal regions. In cities like Stamford, New Haven and Greenwich, Amica wasn't able to offer us a quote through the web. Instead, residents of these areas will have to call Amica for a quote.
Best coverage options: Travelers
For Connecticut renters who want the best possible selection of coverage options from their renters insurance company, we recommend Travelers. It has more choices than any other insurer we reviewedt, including a few options we didn't find anywhere else. However, Travelers' rates are substantially higher than our other top picks, and you have to pay for a year of coverage upfront.
Travelers has useful coverage options like replacement cost coverage, valuable items coverage and extended liability. It also offers a few options we didn't see at other insurers, like water backup coverage.
The biggest drawback to Travelers is its high price. At an average price of $220 per year, its rates were substantially more expensive than our top choices — going with Travelers over Lemonade would cost you $79 more per year. You'll also have to pay the entire premium up-front.
Customer service at Travelers was about average. It received a Complaint Index score from the NAIC of 0.95. That means Travelers received slightly fewer complaints than a typical insurer of its size, suggesting customers are happy with the service they received. It also has excellent financial strength, with AM Best's highest possible rating of A++.
Connecticut renters insurance: Costs by city
The most expensive city for renters insurance in Connecticut is Stratford, where we found a typical price of $254 per year.
That's 45% more than the price in the cheapest city, Enfield, where the typical cost is only $175 per year.
Renters insurance costs can change based on where you live. Your bill might be lower if you live in an area with a low crime rate, or higher if you live near the coast. Here are the average rates we found for renters insurance across Connecticut.
Average annual cost
Difference from state average (%)
Top-rated renters insurance companies in Connecticut
USAA and Amica have the best customer service among renters insurance companies in Connecticut.
These companies have generally favorable reviews and few complaints, according to the NAIC. They both also have strong ratings from ValuePenguin editors, and USAA is J.D. Power's top pick for customer satisfaction.
However, USAA is only available to people affiliated with the military, which kept it from being one of our top picks.
Great customer service means you’ll have your questions answered while buying a policy or filing a claim, and you'll be fairly and promptly paid after your claim isapproved.
Frequently asked questions
How much is renters insurance in CT?
Renters insurance in Connecticut costs $16 per month, on average. The cheapest companies, Lemonade and Amica, offer renters insurance for $12 per month in Connecticut.
Who has the best renters insurance in CT?
Lemonade is the best insurance company in Connecticut for most renters. A policy from Lemonade costs about $12 per month — the cheapest quote in the state. It also has a great online experience that makes buying a policy or filing a claim easy.
Do you need renters insurance in CT?
Renters in Connecticut are not required by law to buy insurance. However, your landlord or property management company can require you to purchase coverage.
What does renters insurance cover in CT?
Renters insurance should always include four basic coverages: property damage, personal liability, medical payments and loss of use. Many major insurance companies offer additional coverage options for an extra cost, like protection for valuable items or flood insurance.
We evaluated quotes from seven major insurance companies in 25 cities across Connecticut. All sample rates are for a 25-year-old unmarried renter who lives alone and has no recent renters insurance claims.
|Loss of use||$9,000|
Listed coverage applied where available.
Top picks are selected by our experts analyzing rates, customer service and coverage options. Renters insurance star ratings are based on the National Association of Insurance Commissioners (NAIC) Complaint Index, the J.D. Power customer service satisfaction index and ValuePenguin's editors' rankings.