We assessed renters insurance rates in 35 cities and towns in the state of Connecticut to determine which areas had the cheapest annual renters insurance costs. Based on our sample policy, Connecticut renters pay an average of $287 per year for renters insurance. State Farm had the best renters insurance rates compared to the insurers in our study. Below, we profile the most and least expensive cities in Connecticut for renters insurance. Read more about our findings, or use our quote tool above to find renters insurance quotes in your area.
- Cheapest Renters Insurance Companies in Connecticut
- The 5 Best Cities and Towns for Renters Insurance in Connecticut
- Top 5 Most Expensive Cities and Towns for Renters Insurance in Connecticut
Cheapest Renters Insurance Companies in Connecticut
We gathered quotes for our sample residence across 35 cities from State Farm, Farmers, and Liberty Mutual. Quotes from each company were then averaged to find which insurance companies had the best renters insurance rates in Connecticut. The graph below shows the mean annual costs to insure our sample residence by company compared to the state average:
Top 5 Least Expensive Cities and Towns for Renters Insurance in Connecticut
1. Torrington, CT
Torrington is located towards the northwestern part of Connecticut. It's a former mill town and is home to the Nutmeg Conservatory for the Arts, which trains ballet dancers. The Conservatory performs in the Warner Theatre, an auditorium built in 1931 by Warner Brothers, which initially served as a cinema.
Torrington has the most affordable renters insurance rates out of the 35 cities and towns in our study. Residents of the city pay an average annual renters insurance cost of $202, which is 30% less than the average in Connecticut. The best renters insurance rates were offered by Farmers, the state's most expensive insurer, at a cost of $174 per year, which is $28 less than the city average. Liberty Mutual offered the most expensive quote of $218 per year.
2. West Hartford, CT
West Hartford is a town located near the center of Connecticut and is adjacent to the state capital, Hartford. The town is known for its downtown area which is commonly referred to as "West Hartford Center." West Hartford is home to two universities, University of Hartford and the University of Saint Joseph.
West Hartford has the second cheapest renters insurance rates in Connecticut. We found that the average annual quote for renters insurance in the town was $250, which is 13% less than the state average and $48 more than Torrington's average renters insurance rate. State Farm offered the cheapest quote of $212. And Farmers quoted the highest rate of $303, which is $16 more than the state average.
3. New Britain, CT
New Britain is located less than 10 miles from West Hartford, the second cheapest area on our list and approximately 9 miles from the state capital of Connecticut, Hartford. The city is home to the headquarters of Stanley Black & Decker and is known for its history as a manufacturing center, which led to New Britain being nicknamed the "Hardware City."
New Britain is the third cheapest area for renters insurance in the state of Connecticut. On average, residents of the city pay $252 a year for renters insurance. That represents a rate that is $35 less than the state mean. State Farm and Liberty Mutual offered annual renters insurance quotes of $223 and $240, respectively. Farmers quoted the most expensive rate of $293 per year, which is $70 more than State Farm and $53 more than Liberty Mutual.
4. Windham, CT
The town of Windham is located towards the eastern part of Connecticut. It was incorporated in 1692 and named after Wyndham, England. Windham is made up of four parts: North Windham, Windham Center, South Windham, and Willimantic. Early industry in Windham consisted of sawmills, gristmills, and blacksmith shops that utilized the water power from streams and rivers located in the town.
Windham ranks as the fourth cheapest area in Connecticut for renters insurance. The average cost of renters insurance in the city is $256, which is $31 less than the state average. If you're looking for low cost renters insurance, State Farm quoted the most affordable rate for the town of $217. Farmers offered the most expensive quote at cost of $295 per year, which is $39 greater than the second highest quote of $256, from Liberty Mutual.
5. Stamford, CT
Stamford is the fourth largest city in the state of Connecticut and is located on the Long Island Sound. The city is home to four Fortune 500 Companies: Charter Communications, Starwood Hotels and Resorts, Pitney Bowes, and Frontier Communications. Stamford has one of the largest concentrations of corporations in the country.
The city of Stamford had the fifth lowest average renters insurance rates in the state of Connecticut. Based on our study, residents pay $22 less than the state average, which represents an 8% savings. State Farm offered the best renters insurance quote for the city of $208 per year, which is $59 less than Liberty Mutual's rate of $267. The highest rate was quoted by Farmers at $321.
Top 5 Most Expensive Cities and Towns for Renters Insurance in Connecticut
1. Hartford, CT
Hartford, the capital of Connecticut, is the third most populous city and the most expensive city for renters insurance in the state. It is known as the "Insurance Capital of the World" due to the number of insurance company headquarters located in the city. Hartford is also home to the oldest public art museum and the oldest publicly funded park in the United States.
Based on our study, residents pay an average of $405 for renters insurance, which is 41% more expensive than the state average. The cheapest rate was offered by State Farm at an annual cost of $212. Farmers' rate of $744 was over three time the rate offered by State Farm and $485 more than Liberty Mutual's rate of $259.
2. Waterbury, CT
Waterbury is the fifth largest city in Connecticut and the 10th largest city in the New York Metropolitan Area. In the 20th century, Waterbury was a hub for manufacturing brassware, including castings and finishings. It was then named the "Brass City" with the motto Quid Aere Perennius, which means "What Is More Lasting than Brass?"
Waterbury is the second least affordable city for renters insurance in the state of Connecticut. The best renters insurance rate in Waterbury was offered by State Farm at an annual cost of $223. The most expensive renters insurance policy was offered by Farmers at $528, which is more than twice State Farm's quote. Based on our study, the average renters insurance cost in the city is $344, which is 20% more than Connecticut's average.
3. Naugatuck, CT
Naugatuck is a consolidated town and borough located towards the northwestern part of Connecticut, surrounding the Naugatuck River. The town used to be a farming community until the industrial revolution, when rubber became the main manufactured product in Naugatuck. The United States Rubber Company was founded in the city, which was a consolidation of nine rubber companies.
According to our study, annual renters insurance quotes in Naugatuck vary by $193. Naugatuck is the third most expensive city for renters insurance in Connecticut. On average, residents pay $332 each year, which is 16% greater than the state mean. The best quote was offered by State Farm at a rate of $223. The second most affordable insurance company in the state, Liberty Mutual, offered the highest rate of $416.
4. Shelton, CT
Shelton is located less than 15 miles from the second largest city in Connecticut, New Haven. It is bordered by the Housatonic River, which flows into the Long Island Sound. Shelton was incorporated as a city in 1915 and was merged with the town of Huntington in 1919 to establish present-day Shelton.
The cheapest rate in Shelton was quoted by State Farm at $216 annually. Farmers offered the highest rate of $411, which is $195 more than State Farm's quote and $124 more than Liberty Mutual's quote of $287. Based on our study, Shelton ranked as the fourth most expensive city for renters insurance in Connecticut with an average renters insurance cost of $305, which is 6% higher than the state average.
5. Fairfield, CT
Fairfield is a town that lies on the Long Island Sound. It is located near the most populous city in Connecticut, Bridgeport, and is around 50 miles from New York City. The town consists of five beach towns and two public golf courses. Fairfield is also home to Fairfield University and Sacred Heart University.
Fairfield ranked as the fifth most expensive city for renters insurance in the state of Connecticut. State Farm quoted the least expensive renters insurance rate in the town at $212 annually, which is $75 less than Liberty Mutual’s quote of $287. Farmer quoted the most expensive rate of $411 per year, which is $199 more than State Farm's quote for the city. Residents pay an average of $303 per year for renters insurance.
We evaluated 35 cities and towns, spread throughout the state of Connecticut. The sample renters insurance policy we collected quotes for included $30,000 of coverage. Rates were obtained from State Farm, Farmers, and Liberty Mutual insurance companies. We then averaged the quotes to arrive at a mean value for each city and town. To see an alphabetical list of all the cities and towns included in the comparison analysis, please see below. We’ve displayed all areas with the average annual cost of insurance for our benchmark policy and how much each area costs relative to the statewide average.
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