Below are our picks for the best home and auto insurance bundling companies in Connecticut:
Best Home and Auto Insurance in Connecticut
Updated: April 3, 2025
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Key Takeaways
USAA, State Farm and Allstate are the top home and auto insurance companies in Connecticut.
State Farm offers the best home and auto insurance discount, with savings of 19% on auto insurance and 34% on home insurance.
Connecticut's average annual cost of home and auto insurance is $2,810, about 9% lower than the national average.
Who Offers the Best Home and Auto Insurance Bundles in Connecticut?
| USAA | 98 | $2,332 | $278 |
| State Farm | 85 | $2,163 | $760 |
| Allstate | 68 | $3,346 | $328 |
| Progressive | 61 | $3,398 | $173 |
State Farm: Best Cheap Home and Auto Insurance in Connecticut
State Farm is the top choice for affordable home and auto insurance in Connecticut, offering discounts of 19% on auto insurance and 34% on home insurance. Young drivers can save with programs like Steer Clear. State Farm also ranks highly in customer satisfaction, placing second for auto insurance and seventh for home insurance in a J.D. Power study.
| Auto | $1,205 | $275 | 19% |
| Home | $958 | $485 | 34% |
USAA: Best Home and Auto Insurance in Connecticut for Military
USAA is an excellent choice for military members and their families in Connecticut, offering the second-lowest rates for home and auto insurance. Its SafePilot program helps safe drivers save up to 30%. USAA ranks at the top for customer satisfaction in both home and auto insurance, according to J.D. Power.
| Auto | $904 | $139 | 13% |
| Home | $1,429 | $139 | 9% |
Allstate: Best Home and Auto Insurance Coverage Options in Connecticut
Allstate is the third most affordable option for home and auto insurance in Connecticut. Its Drivewise program can save you up to 40% on car insurance. Allstate also provides unique coverage options, including accident forgiveness, new car replacement and green improvement reimbursement for eco-friendly upgrades.
| Auto | $1,570 | $39 | 2% |
| Home | $1,777 | $289 | 14% |
Connecticut Home and Auto Insurance Cost
The average monthly cost of home and auto insurance in Connecticut is $234, below the national average of $258. Monthly rates vary by insurer, ranging from $180 to $283.
| Connecticut home and auto insurance bundle | $2,810 | $284 | -9% |
| National home and auto insurance bundle | $3,094 | $0 | 0% |
Connecticut Home and Auto Insurance Quotes Without Bundling
While our research shows that bundling home and auto insurance is typically more cost effective, your quotes may vary. Below are the average costs of all coverage combinations using our top providers without bundling, from cheapest to most expensive.
| USAA | State Farm | $2,485 |
| USAA | Progressive | $2,925 |
| State Farm | USAA | $3,047 |
| Allstate | State Farm | $3,051 |
| USAA | Allstate | $3,108 |
| Progressive | State Farm | $3,131 |
| Allstate | USAA | $3,176 |
| Progressive | USAA | $3,256 |
| State Farm | Progressive | $3,362 |
| Allstate | Progressive | $3,491 |
| State Farm | Allstate | $3,545 |
| Progressive | Allstate | $3,754 |
Should I Bundle Home and Auto Insurance in Connecticut?
In Connecticut, bundling home and auto insurance is often more affordable than buying them separately. Evaluate your coverage needs and financial situation to find the best option.
Bundling discounts save you more than individual policies
In Connecticut, bundling home and auto insurance can save you money. The cheapest annual cost without bundling is $2,485, while bundling lowers it to $2,163.
Bundling makes policy management convenient
Bundling makes managing your insurance easier by allowing you to handle everything through a single account.
In rare cases, it might be better not to bundle in Connecticut
Choosing nonbundled insurance might not save you money, but it offers more flexibility in coverage options.
Best Auto and Home Insurance in Connecticut: Bottom Line
In Connecticut, the top companies for bundling home and auto insurance are State Farm, USAA and Allstate. Bundling can save you more money than buying separate policies. Compare quotes from multiple companies to find the best deal for your needs.
Home and Auto Insurance in Connecticut: FAQ
Find expert answers to common questions about Connecticut home and auto insurance here:
Who has the best home and auto insurance in Connecticut?
State Farm is the top overall home and auto insurance provider for most customers in Connecticut. For military members, USAA is the best option. If you're seeking various coverage options, Allstate is a strong choice.
Who has the cheapest home and auto insurance in Connecticut?
State Farm offers the most affordable home and auto insurance bundle in Connecticut at $2,163 annually. Customers save about $760 compared to the state average, with a 26% discount.
How much does home and auto insurance in Connecticut cost on average?
In Connecticut, the average annual premium for home and auto insurance bundles is $2,810, about 9% less than the national average of $3,094. Annual rates range from $2,163 to $3,398.
Is bundling home and auto insurance cheaper in Connecticut?
Bundling home and auto insurance is usually cheaper in Connecticut, but make sure the coverage aligns with your needs.
Best Auto and Home Insurance Bundle in Connecticut: Our Methodology
Bundle Scoring System
MoneyGeek used data from the Connecticut Insurance Department and Quadrant Information Services to calculate home and auto insurance rates. We supplemented this data with customer satisfaction ratings from leading agencies, including AM Best and J.D. Power, to generate individual scores for home and auto insurance. We also considered each insurer's bundle discounts to evaluate their savings potential.
Using this information, we calculated a “bundle score” out of 100 based on the following weighted categories:
- Home insurance score: 40%
- Auto insurance score: 40%
- Discounts: 20%
Car, Home and Buyer Profile in Connecticut
MoneyGeek’s typical profile includes:
- 40-year-old male
- Good driving history
- 2010 Toyota Camry LE
- 12,000 miles driven annually
- Home built in 2000
Coverage Levels in Connecticut
MoneyGeek analyzed rates for full coverage auto insurance with these limits:
- $100,000 property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for homeowners insurance with the following coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.