Renters Insurance

The Best Cheap Renters Insurance in Connecticut

The Best Cheap Renters Insurance in Connecticut

Renters insurance isn't very expensive, but it can save you a lot of money if you ever experience a loss. We researched renters insurance companies across the state to find the best, most affordable option for Connecticut renters.

Compare Cheap Renters Insurance in Connecticut

Currently insured?
No spam. No hassle. No hidden costs.

The average cost of renters insurance in Connecticut is $19 per month, or $228 per year.

The lowest price for renters insurance in Connecticut is $13 per month; however, we don't always recommend buying based on price alone. Coverage options and customer service matter, too.

{"eventCategory":"Visual TOC Item","eventLabel":"Best for most people","cloudinaryImageName":"referral_logos\/us\/insurance\/statefarm-2","link":"#most","linkText":"Best for most people"}
{"eventCategory":"Visual TOC Item","eventLabel":"Most affordable","cloudinaryImageName":"referral_logos\/us\/insurance\/allstate-3","link":"#cheapest","linkText":"Most affordable"}
{"eventCategory":"Visual TOC Item","eventLabel":"Best coverage options","cloudinaryImageName":"referral_logos\/us\/insurance\/travelers-2","link":"#coverages","linkText":"Best coverage options"}


Best renters insurance for most people: State Farm

State Farm has the best overall blend of affordability, service and coverage options for most renters.
{"bannerDisclaimers":[],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Get a Quote","category":"auto_insurance_companies","cloudinaryImageName":"referral_logos\/us\/insurance\/statefarm-2","description":" State Farm has the best overall blend of affordability, service and coverage options for most renters.","details":[],"disclaimer":"","featuredTitle":"","link":"https:\/\/\/zero-click.html?cu=https:\/\/;V3-KqiM8njdUmnsgCxn7FDJD0uB3sJUh9wBJ1vHHWSJ0ejfGjMTDslMuO7nbOCg_6xpk_FXibtxuHjX68d0aQeJyivBQSQ","name":"State Farm Home Insurance","hideBanner":false,"hideDescription":false,"hideDetails":true,"hideDisclaimer":false,"hideTitle":true,"title":"State Farm Home Insurance"}

Read our full review of State Farm insurance.

The good:

  • Affordable prices
  • Standout customer service

The bad:

  • Average coverage options

We recommend State Farm as the best renters insurance provider for most people in Connecticut, as it has the best overall mix of low prices, great customer service and good coverage options.

The average price for renters insurance from State Farm is $15 per month. That's 21% cheaper than the statewide average. It's also the absolute lowest rate we found for many coastal cities like New Haven, Bridgeport and Stamford, where our cheapest pick didn't offer quotes.

State Farm has the best customer service of any insurer we looked at in the state. It has an impressively low Complaint Index from the National Association of Insurance Commissioners (NAIC) of just 0.38. This means State Farm received only 38% as many complaints as a typical company when adjusted for size, and customers are very likely to be satisfied with its service. It also received a commendable 850/1,000 in J.D. Power's renters insurance satisfaction survey — also the best score among insurers we looked at.

Coverage options from State Farm were good, but not great. You can get a few benefits beyond the basic options, like valuable items coverage and extended liability, but State Farm lacks replacement cost or water backup coverages. Renters looking for a full range of extra coverages should take a look at Travelers.

Most affordable: Allstate

Allstate has the best rates of all the companies we looked at.
{"bannerDisclaimers":[],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Get a Quote","category":"auto_insurance_companies","cloudinaryImageName":"referral_logos\/us\/insurance\/allstate-3","description":" Allstate has the best rates of all the companies we looked at.","details":[],"disclaimer":"","featuredTitle":"","link":"https:\/\/\/zero-click.html?cu=https:\/\/;V3-KqiM8njdUmnsgCxn7FDJD0uB3sJUh9wBJ1vHHWSJ0ejfGjMTDslMuO7nbOCg_6xpk_FXibtxuHjX68d0aQeJyivBQSQ","name":"Allstate Home Insurance","hideBanner":false,"hideDescription":false,"hideDetails":true,"hideDisclaimer":false,"hideTitle":true,"title":"Allstate Home Insurance"}

Read our full review of Allstate.

The good:

  • Great rates

The bad:

  • Not available near the coast
  • Mediocre customer service

For renters looking for the lowest possible insurance bill, we recommend Allstate. It had the cheapest rates of any company we looked at, with an average price of just $13 per month. That's 32% cheaper than the typical cost statewide, which results in savings of $72 per year for the same level of coverage.

The biggest drawback to Allstate renters insurance is that it's not available near the coast — including in major Connecticut cities like New Haven, Bridgeport and Stamford. (The good news for residents of these cities is that rates from other insurers are about the same as in other parts of the state.)

Customer service from Allstate is mediocre. It has a 0.76 Complaint Index from the NAIC, meaning that it's received 76% as many complaints as a typical insurer. That's below average nationwide, but highest among the renters insurance providers we looked at in Connecticut. Allstate's rating by J.D. Power was better, though, with an 814/1,000; that's the second-highest we found in the state.

We weren't impressed by Allstate's coverage options, though we didn't weigh these as heavily in our decision for our cheap pick. It offered only two extra coverage options beyond the basics: identity theft protection and extended liability.

Best coverage options: Travelers

Travelers has the best selection of optional coverages in Connecticut.
{"bannerDisclaimers":[],"buttonColor":"primary","buttonIcon":"lock","buttonText":"Get a Quote","category":"auto_insurance_companies","cloudinaryImageName":"referral_logos\/us\/insurance\/travelers-2","description":" Travelers has the best selection of optional coverages in Connecticut.","details":[],"disclaimer":"","featuredTitle":"","link":"https:\/\/\/","name":"Travelers","hideBanner":false,"hideDescription":false,"hideDetails":true,"hideDisclaimer":false,"hideTitle":true,"title":"Travelers"}

Read our full review of Travelers insurance.

The good:

  • Great coverage options
  • Better-than-average service

The bad:

  • High rates
  • You must pay your bill in annual installments

For 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 looked at, including a few options we didn't find anywhere else. However, Travelers' rates were substantially higher than our other top picks, and you have to pay for a year of coverage upfront.

Travelers has popular and 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. These include water backup coverage and equipment breakdown, among others.

The biggest drawbacks to Travelers pertain to price. Its rates were substantially more expensive than our top choices — going with Travelers over Allstate would cost you $72 more per year for the same amount of coverage.

Plus, Travelers requires renters to pay their entire bill upfront. Instead of paying for your coverage one month at a time, you have to put down enough for the whole year at once — $238. It's worth noting that you can cancel your policy mid-term if you're not happy with the service, though getting a refund is another hoop to jump through.

Customer service at Travelers was slightly better than average. It received a Complaint Index from the NAIC of 0.50. That means it received only 50% as many complaints as a typical insurer of its size, and suggests that customers tended to be happy with the service they received. It also has excellent financial strength, with AM Best's highest possible rating of A++.

How we chose the best renters insurance companies in Connecticut

To determine the best renters insurance companies in Connecticut, we considered three main factors: affordability, coverage options and customer service.

  • Affordability: Do the company's rates compare favorably to other insurers in the area for the same level of coverage?
  • Coverage options: Does the company offer a good selection of useful coverage options?
  • Customer service: Are customers usually satisfied with the service they receive from their insurer?

Affordability: Finding cheap renters insurance in Connecticut

The average cost of renters insurance in Connecticut is $19 per month, but we found a substantial difference among insurers. The cheapest option we found, Allstate, was just $13 per month. And the most expensive, Geico, was more than double that, at $28. Switching from the most expensive option to the cheapest would save you $180 per year.

Below, see our full breakdown of the cheapest options for renters insurance in Connecticut.

Bar chart comparing the most affordable options for renters insurance in Connecticut
Bar chart comparing the most affordable options for renters insurance in Connecticut

Compare Cheap Renters Insurance in Connecticut

Currently insured?
No spam. No hassle. No hidden costs.
Average cost
% difference from average
State Farm$15-21%
Liberty Mutual$2212%

Our selected levels of coverage were:

  • Personal property coverage: $30,000
  • Liability coverage: $100,000
  • Medical payments coverage: $1,000
  • Deductible: $500
  • Loss of use: $0

Coverage options: Comparing renters insurance policies and benefits

Every renter has unique coverage needs: Some people have a lot of valuable items they want fully protected, while others might want a guarantee they'd have a place to stay if their apartment was uninhabitable. With that in mind, we looked for insurers that had a wide range of useful coverage options.

Some key coverages we looked for include:

  • Valuables coverage: Pays to repair or replace valuable items like jewelry or high-end electronics, which often have limited coverage under a regular policy.
  • Replacement cost coverage: Pays for the full cost to repair or replace destroyed or stolen items, without factoring in depreciation.
  • Equipment breakdown: Pays to repair or replace appliances that stop functioning due to a mechanical problem (as opposed to a covered peril like fire or wind damage).

In addition, every insurer we considered offered all of the following basic coverage options. If you're looking at an insurer that doesn't offer all of these, consider that a red flag and try to find a company that has a better selection.

  • Personal property coverage: Pays to repair or replace property that's stolen or damaged by a covered peril.
  • Additional living expenses: Pays for a hotel or other housing if your home is uninhabitable due to a covered peril.
  • Liability coverage: Pays financial damages to others that you are responsible for, such as if your dog injures someone.
  • Medical payments coverage: Pays for medical care of guests who are injured on your property, without determining who is at fault. Pays out before liability coverage.

Customer service: Evaluating insurer quality in service and claims

Dependable customer service is essential from your renters insurance company. Great customer service will mean you have all your questions answered while buying a policy or filing a claim, and you'll be fairly and promptly paid after your claim has been approved.

When evaluating renters insurance companies' customer service, we used three key sources of information: the NAIC Complaint Index, J.D. Power's customer satisfaction survey for renters insurance and AM Best's Financial Strength Rating.

NAIC Complaint Index
J.D. Power rating
Liberty Mutual0.66792A
State Farm0.38850A++
  • NAIC Complaint Index: This rating compares the number of complaints an insurer has received with its size. A lower number indicates fewer complaints relative to its size, and the national average is 1.00.
  • J.D. Power ratings: This score is based on a national survey of renters insurance customer satisfaction. The scores are out of 1,000, and the average score among all insurers is 831.
  • AM Best Financial Strength Rating (FSR): This letter grade describes an insurer's overall financial health. Grades range from A++ to D, and a better grade indicates a better ability to meet claim demand, regardless of high claim demand or negative economic climate.

Connecticut renters insurance: Costs by city

Renters insurance costs can change based on where you live. Your bill might be lower if you live in an area with very little crime, or higher if you live near the coast. Here are the average rates we found for renters insurance across the state of Connecticut.

% difference from state average
New Haven*$2321%
New Britain$206%
West Haven*$2534%
Show All Rows

Allstate did not offer a quote in this city due to proximity to the coast.

^The only companies to offer quotes in Wallingford Center were Allstate and Geico.

To see how the cost of renters insurance in Connecticut compares to the cost in other areas of the U.S., take a look at our national study of renters insurance costs.


We collected renters insurance quotes from five major companies across 25 cities in the state of Connecticut. Our sample renter is a single 30-year-old man who hasn't had any recent renters insurance claims. He's protected himself with $30,000 of personal property coverage with a $500 deductible, plus $100,000 of liability protection.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.