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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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How to get affordable renters insurance in Connecticut

Renters insurance isn't required, but it is important. A renters policy keeps your personal items protected. A renters insurance policy covers household items against fire or smoke damage, a wind storm, theft, vandalism and an array of other mishaps.

Unlike auto insurance, renters policies aren’t priced based on state-level legislation. Still, there are surprisingly large gaps in renters pricing by state. Renters rates in US states diverge based on the frequency and value of renters policy claims filed in the state, and also on the value of the belongings you're insuring.

Getting a renters policy in Connecticut is cheaper than the nationwide average. The average annual cost of renters insurance in Connecticut is $163, $22 less expensive than the national average.

The easiest way to acquire affordable renters insurance in Connecticut is to get quotes from as many insurers as possible. Learn more about renters insurance costs in Connecticut by referencing the below data. Remember: your rates will vary, depending on the value of your belongings and your coverage limits.

Jump to:
  1. Rates by company
  2. Rates by city
  3. Rates by coverage level
  4. Bundling discounts
  5. Frequently asked questions

Renters insurance prices in Colorado by company

Renters insurance prices in Connecticut will vary based on the insurance company you use. Allstate offers the cheapest renters insurance in Connecticut — just $116 each year. This is less than the state average price of $163, providing a 29% price break on average policy costs statewide.

Start shopping for affordable coverage by reviewing the most affordable Connecticut carriers, listed below.

Carrier Average Annual Rate in Connecticut
Allstate $116
Amica $127
State Farm $132
Homesite $137
MetLife $143

Connecticut renters insurance costs by city

Not all Connecticut cities have equal renters insurance rates. Policies are often priced on local variables such as the number of claims filed nearby, lending your ZIP code plenty of weight in deciding how much you pay.

The most affordable renters insurance in Connecticut is available in Torrington. In Torrington, the typical renters insurance policy costs $153 per year — $9 less than the average Connecticut rate. The below table shows the best places to live in Connecticut if you’re looking for cheap renters insurance.

City Average Annual Renters Insurance Rate
Torrington $153
Norwich $156
Manchester $157
Newington $158
Bristol $158

Renters insurance in CT by coverage tier

The cost of your renters insurance depends on the amount of coverage you opt to carry. The most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In Connecticut, the average annual cost difference between these tiers is roughly $71. If you can afford the up-front expense, it's worth considering.

Coverage Level Average Yearly Renters Insurance Rate in Connecticut
$25K Property $127
$50K Property $198

Tip: bundle auto and renters insurance in Connecticut

If you're looking for savings, consider carrying your renters and auto policies with the same insurance company. A renters and auto insurance bundle in Connecticut can save you a substantial sum each month on your auto insurance bill. In fact, bundling policies in Connecticut may earn you a yearly discount of $91.

Avg. Annual Rate (No Bundle) Avg. Annual Rate (w/ Bundle) Annual Savings ($) Annual Savings (%)
$1,550 $1,459 $91 6%

Connecticut renters insurance FAQs


Is renters insurance required in Connecticut?

You're not required to carry renters coverage in Connecticut unless the building you're renting does. Otherwise, it is an optional (but recommended) coverage.

What does Connecticut renters insurance cover?

In Connecticut, renters insurance will replace personal belongings should they be destroyed, lost, or stolen. Most policies will also provide liability coverage, medical payments to others, and will cover temporary housing costs should your home be unihabitable.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.