The Best Cheap Renters Insurance in Connecticut (2025)
Lemonade has the cheapest renters insurance in Connecticut, at $12 per month, on average.
However, the cheapest company isn't always the best choice. Amica renters insurance costs around $13 per month, and it offers much better customer service than Lemonade. That makes it the best option for most Connecticut renters.
Compare Cheap Renters Insurance Quotes in Connecticut
Best Cheap Renters Insurance in CT
To help you find the best renters insurance in Connecticut, ValuePenguin editors evaluated customer service reviews, coverage availability and average cost. To determine the cost of Connecticut renters insurance, editors gathered quotes from 25 of the largest cities across the state.
Cheapest renters insurance in Connecticut
Lemonade has the most affordable renters insurance in Connecticut.
A policy from Lemonade costs about $12 per month.
Amica and State Farm also have cheap rates, at around $13 per month. Both companies have better customer service reviews than Lemonade, so they're typically a better choice for most people.
Compare Cheap Renters Insurance Quotes in Connecticut
The average cost of renters insurance in Connecticut is $18 per month, or $218 per year.
Renters insurance in Connecticut is affordable compared to the rest of the country. Nationally, renters insurance usually costs about $23 per month.
CT renters insurance quotes by company
Company | Monthly cost | ||
|---|---|---|---|
| Lemonade | $12 | |
| State Farm | $13 | |
| Amica | $13 | |
| Allstate | $19 | |
| Assurant | $21 | |
| Progressive | $30 | |
Best renters insurance for most people: Amica
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Cost$13/moThis analysis used renters insurance quotes for 25 of the largest cities across Connecticut. Read our methodology.
Cheapest renters insurance rates in CT: Lemonade
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Cost$12/moThis analysis used renters insurance quotes for 25 of the largest cities across Connecticut. Read our methodology.
Best for bundling renters and auto insurance: State Farm
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Cost$13/moThis analysis used renters insurance quotes for 25 of the largest cities across Connecticut. Read our methodology.
Renters insurance CT: Cost by city
Middletown, a city on the Connecticut River, is the most expensive larger city for renters insurance in the state.
A policy in Middletown costs around $21 per month, which is $3 per month more than the state average.
Fairfield, a town west of Bridgeport, has the cheapest rates in large cities across Connecticut. Renters insurance in Fairfield costs an average of $16 per month.
CT renters insurance rates by city
City | Monthly rate | % from average |
|---|---|---|
| Bridgeport | $19 | 4% |
| Bristol | $19 | 6% |
| Danbury | $19 | 3% |
| East Hartford | $17 | -6% |
| Enfield | $18 | -2% |
Renters insurance costs vary by up to $5 per month based on where you live in Connecticut. Your bill might be lower in an area with a low crime rate, or it might be higher near the coast.
How to find the cheapest renters insurance in Connecticut
To find the cheapest renters insurance for you, start by figuring out how much coverage you need. Then, shop around for multiple quotes and ask about discounts.
Figure out how much coverage you need. Most basic renters insurance policies come with similar protection for your belongings and personal liability.
It's important to figure out how much of each coverage you need so you're properly protected. However, you don't want to pay for coverage you don't need.
You can figure out how much personal property coverage you need by taking inventory of your stuff. Then, consider how much each item would cost to replace.
You also need to consider whether you want replacement cost coverage for your belongings. This coverage pays for brand new items after your stuff is destroyed. Basic policies typically consider the current condition of your items, so you typically won't have enough money to replace them with brand new ones. But most companies offer replacement cost coverage for an extra fee.
Your personal liability insurance limit depends on the financial assets you have to protect, and any potential dangers in your home.
For example, if your rental home has a swimming pool, guests are more likely to slip and hurt themselves. This could lead to a lawsuit.
Some Connecticut renters may want to upgrade their protection with coverage add-ons.
For instance, if you live in a home with a sump pump in the finished basement, it may be worth it to add water backup coverage. This coverage pays for damage caused by broken or backed-up sump pumps, pipes or sewers.
Compare quotes from multiple companies. In Connecticut, there's a difference of about $18 per month between the most and least expensive renters insurance companies. That could add up to a savings of $211 per year.
In addition, each company calculates renters insurance rates differently. Some companies place more weight on your age, while others prioritize your insurance history. For that reason, the cheapest company for you may be different from that of your friends, family or neighbors.
Ask about renters insurance discounts. You can typically save the most money by bundling your auto and renters insurance policies with the same company. Many companies also offer discounts for having a fire, burglary or security system.
Other discounts are less common. But, you could save money if you:
- Live in a gated community
- Are a nonsmoker
- Are retired
- Pay for a full year of coverage up front
What renters insurance do I need in Connecticut?
Connecticut's location along the Atlantic coast means many homes have a high risk of wind damage due to nor'easters and other coastal storms. The large number of rivers and lakes can also contribute to flood damage.
Does CT renters insurance cover wind damage?
Most basic renters insurance policies cover wind damage.
This includes damage from nor'easters, tropical storms, hurricanes and winter storms.
If you're renting a home near the coast, your insurance policy may have a separate, higher deductible for wind or named storms.
That means you could end up paying more to replace your stuff if it's damaged by wind. It's important to know if you have a different deductible for these types of damage. That way, you can make sure you have enough money to cover your portion of the costs in an emergency.
Does renters insurance in CT cover flood damage?
Renters insurance doesn't cover flood damage from storm surges or overflowing lakes and rivers.
If you live near the coast or a body of water, or in a low-lying area, you should consider buying a separate flood insurance policy. This is the only way to protect your belongings from flood damage.
Start by seeing if your renters insurance company sells flood insurance. Having both policies with the same company will make your life much easier if a major storm damages your stuff. If both wind and water cause damage, you can work on both claims with the same company. Otherwise, you'll have to file one claim with your renters insurance company and another with your flood insurance company.
Connecticut renters insurance trends
Renters insurance prices have gone up 12.9% in Connecticut over the last six years.
Renters insurance prices, on average, saw little to no increase between 2020 and 2022, but jumped up by 10.9% across 2023 and 2024.
Among the major CT insurers, the biggest increases have been at The Hanover Insurance Group (38.7%), American Family Insurance (35.8%) and Allstate (28.6%).
Renters insurance rate change data was compiled using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
Frequently asked questions
How much is renters insurance in CT?
Renters insurance in Connecticut costs $18 per month, on average. The cheapest company, Lemonade, offers renters insurance for $12 per month in Connecticut.
Who has the best renters insurance in CT?
Amica is the best insurance company in Connecticut for most renters. A policy from Amica costs about $13 per month, which is $5 per month less than average. Amica also has excellent customer service reviews and lots of discounts.
Is renters insurance required in CT?
Renters in Connecticut aren't required by law to buy insurance. However, your landlord or property management company can require you to buy a policy as part of your lease agreement.
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. This can include protection for valuable items or flood insurance.
Methodology
To find the cheapest renters insurance companies in CT, ValuePenguin evaluated quotes from six major insurance companies in 25 of the largest cities across Connecticut.
Rates are for a 30-year-old unmarried woman who lives alone and has no recent renters insurance claims. Quotes include the following coverage limits:
- Personal property: $30,000
- Personal liability: $100,000
- Medical payments: $1,000
- Loss of use: $9,000
- Deductible: $500
ValuePenguin experts chose the best companies in CT by 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 survey and ValuePenguin's editors' rankings.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
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.
