Affordable Home Insurance in Connecticut
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What drives home insurance rates in Connecticut
Average homeowners premium, 2023
$2,036
The average homeowners policy in Connecticut cost $2,036 for a year of coverage in 2023, against $1,737 nationally.
Claims paid per premium dollar, 2023
58.2¢
Home insurers in Connecticut paid 58.2 cents in claims for every premium dollar in 2023; the median state was 64 cents.
Severe weather events, 2024
80
NOAA logged 1 tornado, 20 large-hail and 59 flash-flood event reports in Connecticut in 2024, counted per county or zone. Wind and hail claims fall on the homeowners policy; flood needs its own.
Natural-hazard loss rank
#35
FEMA ranks Connecticut #35 of 51 for expected annual loss from natural hazards; flood accounts for 73% of that loss, and flood damage needs a separate flood policy.
- Average homeowners premium, 2023: NAIC Homeowners Insurance Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Severe weather events, 2024: NOAA Storm Events Database, 2024
- Natural-hazard loss rank: FEMA National Risk Index
Largest home insurers in Connecticut
The ten insurer groups that wrote the most home premium in Connecticut in 2025, with their share of the state total of $2.6 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | Travelers Group | 10.36% | $264 million |
| 2 | State Farm Group | 9.19% | $235 million |
| 3 | Chubb Ltd Group | 7.16% | $183 million |
| 4 | Allstate Insurance Group | 6.07% | $155 million |
| 5 | United Services Automobile Association Group | 5.81% | $148 million |
| 6 | Liberty Mutual Group | 5.53% | $141 million |
| 7 | American Family Insurance Group | 4.33% | $111 million |
| 8 | Amica Mutual Group | 4.17% | $106 million |
| 9 | Farmers Insurance Group | 4% | $102 million |
| 10 | Hartford Fire & Casualty Group | 3.55% | $91 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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