Who Has The Cheapest Renters Insurance Quotes in Connecticut?

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To show how much the cost of insuring a rented apartment differs from place to place in Connecticut, we conducted a study of renters insurance quotes across 37 cities in the state. Our study showed that the location with the most expensive rate was 64% higher than the spot with the cheapest renters insurance in Connecticut. For the purposes of this study, we evaluated quotes for a benchmark property with roughly 1,000 square feet of living space and $100,000 in liability coverage. Since we used one sample property as a benchmark, rates have comparative value, but don't necessarily indicate what tenants can pay for their renters insurance. Read more below, or enter your zip code to start finding renters insurance quotes.

Cheapest Renters Insurance in Connecticut

We conducted a study to examine Amica, State Farm, Nationwide, Liberty Mutual, and Farmers to find which company offered the cheapest renters insurance in Connecticut. We used quotes for a sample property of 1,000 square-feet and found that Amica had the cheapest average annual rate at $182, which is 49% or $175 cheaper than the most expensive average annual rate provided by Farmers. The following table lists the average annual rates of the five main companies in Connecticut, ranked from cheapest to most expensive:

RankCheapest Renters Insurance CompanyAverage Annual Rates
1 Amica $182
2 State Farm 230
3 Nationwide 301
4 Liberty Mutual 338
5 Farmers 357
Average 282

These rates were obtained for a sample property. To find the best rate for yourself, we recommend looking for quotes from multiple insurance companies and comparing them.

Best Renters Insurance Rates in Connecticut: by City

Relative to other studies we’ve conducted using the same sample property, some places in Connecticut have much cheaper renters insurance compared to the average we obtained for the state. All of the top five cheapest places are located outside the major urban areas of Hartford, New Haven and Bridgeport. 

RankCityAverage Annual Rate% Difference vs State Average
1 Torrington $204 -28.0%
2 Vernon 228 -19.4%
3 Windham 230 -18.9%
4 West Hartford 239 -15.6%
5 Simsbury 246 -13.2%

*The Average Annual Rate has been rounded to the nearest whole dollar amount.

Torrington, CT

Torrington was originally known as Wolcottville. The first European settler here was Ebenezer Lyman Jr., who came from Durham, Connecticut in 1735. Industrial development was expedited after Frederick Wolcott built a woolen mill there in 1813. In 1923, Torrington was incorporated as a city. With renters insurance premiums 28% lower than the sample property average for the state, Torrington ranks with the cheapest renters insurance in Connecticut.

Vernon, CT

Textile manufacturing was one of the first industries to establish itself in Vernon. Early settlers built several mills along the Tankerhoosen and Hockanum rivers before the town was incorporated in 1808. It is said to have been named after George Washington's home at Mount Vernon, Virginia. Renters insurance quotes for our sample property are 19.4% lower than the average for the state, placing Vernon with the second best rates in CT.

Windham, CT

The community named after Windham, England was incorporated on May 12, 1692. Early farmers there grew barley, flax, wheat, rye, corn, hemp and raised livestock. Gradually, sawmills, blacksmith shops and gristmills were set up in Windham. Though not as cheap as Torrington or Vernon, renters insurance rates in Windham are still 18.9% lower than the average rate for the state.

West Hartford, CT

West Hartford was originally established in 1672 but in 1711 was granted parish privileges and named the Parish of Hartford. It wasn’t until 1854 that it was officially incorporated as the Town of Hartford. It was a rural town for many years, but West Hartford's population grew substantially after suburban living became popular. West Hartford premiums for our sample property are 15.6% lower than the state benchmark.

Simsbury, CT

Early European settlers in the area were from Windsor, Connecticut and incorporated it in 1670. The area was named after Symondsbury, England. In 1728, the first steel mill in the country opened in Simsbury. At 13.2% lower than the average sample property quote, Simsbury has the fifth cheapest renters insurance in Connecticut.

Most Expensive Renters Insurance in Connecticut 

The most expensive places to insure our sample rental property in Connecticut are all located on the southeast coastline of the state. While Branford tops the list, the others are not far behind in cost.

RankCityAverage Annual Rate*% Difference vs State Average
1 Branford $335 18.5%
2 Milford 335 18.2%
3 Fairfield 323 14.2%
4 East Haven 320 13.2%
5 Greenwich 317 11.9%

*The Average Annual Rate has been rounded to the nearest whole dollar amount.

Branford, CT

The Mattabesech Native Americans were the first inhabitants of what is now Branford. European settlers in New Haven bought the land, then known as Totoket, from them in 1638 and renamed it, reportedly after the town of Brentford, England. A trading post was set up there by the Dutch in the 1600s and the town itself was established in 1644. Salt produced in Branford was used to preserve meat for the Revolutionary army and it became a popular resort area in the mid-19th century. The most expensive place to insure our sample rental property in Connecticut is Branford, where premiums are 18.5% higher than the study average in the state.

Milford, CT

English settlers purchased the land where Milford stands today from Ansantawae, the chief of the Paugussets. The settlers were originally residents of New Haven Colony and established industries in this region including farming, oystering and shipbuilding. Later, Milford became a popular beach destination for residents in the area. The city was incorporated in 1959. Renters insurance quotes for the study sample property are 18.2% higher than the average for the state.

Fairfield, CT

Fairfield ranked with the third most expensive renters insurance rates out of the 35+ cities and towns in the study. Annual average premiums for the sample property are 14.2% more expensive than the average for the state. The land the town sits on was initially purchased by Roger Ludlow, a framer and leader in the Puritan and Congregationalist community. More recently, World War I triggered a surge of development in the area. Today, residents enjoy access to five miles of shoreline facing hte Long Island Sound, and a number of recreational outlets at local beaches, marinas and parks.

East Haven, CT

East Haven was established on November 29, 1638, by Puritan settlers Theophilus Eaton and Reverend John Davenport, and traces its roots back to an ironwork mill built in the area. The town counts and maintains over 130 acres of school and park grounds, including 20 playing fields, for its residents. There's also access to waterfront on the Long Island Sound and Lake Saltonstall. Like Fairfield, tenants here pay 13.2% more to insure the sample property than average in Connecticut.

Greenwich, CT

The town of Greenwich was first settled in by Europeans in 1640 when residents of New Haven bought land from the Native Indians inhabiting the area. Money Magazine ranked Greenwich first on its list of “100 Best Place to Live in the United States” in 2005. Beginning in 2002, Initially, the beaches of Greenwich were open only to its residents, but after prolonged efforts to amend this rule, the town opened all four beaches to the public in 2002. Renters insurance premiums for our sample property are 11.9% higher than the average in the the state.

Average Cost of Renters Insurance in Connecticut: by City

The study gathered quotes from five major carriers across 37 cities in Connecticut to determine a mean renters insurance rate of $283 for the sample property. We then compared that mean rate to the rates in the individual cities. Luckily for residents of Connecticut, the difference between the most expensive places for renters insurance and the state average are not nearly as extreme as the cheapest, according to our analysis. The most expensive municipality or census designated place in Connecticut was 64% higher than the cheapest. In other states, the differene between the two is much greater. Premiums in the most expensive places of Texas are 74% higher than the cheapest and the most expensive in California are more than 2x the cheapest. 

This graph shows the 37 cities and towns in our study, ranked from those with the cheapest renters insurance rates to the highest'

Study Methodology

Our study examined renters insurance quotes for a 1,000-square-foot residence with at least $25,000 in personal property coverage and $100,000 in liability coverage. We then collected quotes for that sample residence from five of the major carriers that offer a renters insurance product in the state of Connecticut. We averaged rates for the sample home in each city as a benchmark to show which cities are relatively cheaper or more expensive. Those comparative values are not indicative of what tenants can expect to pay for an annual renters insurance premium.

RankCityAverage Annual Rate% Difference vs State Average
37 Branford $335 18.5%
28 Bridgeport 304 7.4%
10 Bristol 272 -3.8%
21 Cheshire 293 3.7%
24 Danbury 296 4.5%
13 East Hartford 274 -3.2%
34 East Haven 320 13.2%
35 Fairfield 323 14.2%
17 Glastonbury 282 -0.5%
33 Greenwich 317 11.9%
25 Hamden 297 5.0%
32 Hartford 312 10.4%
12 Manchester 274 -3.2%
23 Meriden 295 4.2%
19 Middletown 287 1.4%
36 Milford 335 18.2%
22 Naugatuck 294 3.7%
9 New Britain 261 -7.7%
30 New Haven 309 9.1%
31 New London 310 9.6%
11 Newington 273 -3.4%
27 North Haven 301 6.5%
20 Norwalk 288 1.7%
14 Shelton 277 -2.1%
5 Simsbury 246 -13.2%
6 Southington 247 -12.7%
8 Stamford 261 -7.8%
29 Stratford 308 8.8%
1 Torrington 204 -28.0%
15 Trumbull 278 -1.9%
2 Vernon 228 -19.4%
26 Waterbury 298 5.2%
4 West Hartford 239 -15.6%
16 West Haven 281 -0.9%
18 Westport 284 0.2%
7 Wethersfield 247 -12.6%
3 Windham 230 -18.9%

*The Average Annual Rate has been rounded to the nearest whole dollar amount.

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