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Money’s picks for the best homeowners insurance in Connecticut all offer standout coverage. Our list draws from our analysis for the national ranking of the best homeowners insurance providers. Below, we’ve also included other information to help you insure a home in the Nutmeg State, including coverage that will be especially important to Connecticut homeowners. Key takeaways about homeowners insurance in Connecticut Connecticut is among the costliest states to buy and own a home. Here are statistics on those costs: The average home in Connecticut is worth $435,982, according to real estate experts Zillow. That’s 3.9% higher than a year ago. Connecticut has some of the highest property taxes in the country. According to Quicken Loans, the average property tax rate in the state is 1.78% – which translates into an annual tax bill for the average Connecticut home of about $7,750. Compared with other states, Connecticut ranks in the middle of the pack – at #24 – when it comes to the cost of homeowners insurance. The average premium has been calculated at about $2,350. When mortgage costs and income are considered, Connecticut is the third least affordable state to buy a home. How we chose our top picks Money vetted 15 companies after conducting 1,000+ hours of research based on more than 20 data points. Money’s picks for the best homeowners insurance in Connecticut all offer standout coverage and closely mirror the selections in our national ranking of the best homeowners insurance providers. For more on how we select picks, see the methodology below. Our top picks for Connecticut’s best homeowners insurance Here, listed alphabetically, are Connecticut’s top five homeowners insurers. All offer standout coverage and are included in our national ranking of the best homeowners insurance. AIG Amica Mutual Chubb State Farm USAA HIGHLIGHTS Financial rating: A (Excellent) on A.M. Best Discounts: Undisclosed Bundling options: Undisclosed AIG is known as a luxury insurer that provides comprehensive coverage, from dwelling to cybersecurity insurance, for high-value properties worth up to $100 million. The company scores well above average for customer satisfaction in the J.D. Power U.S. Home Insurance Study. AIG offers guaranteed replacement cost (without any limits, according to the company) for homes valued from $750,000 all the way up to $100 million on an “all-risk” basis — meaning its policy covers all perils except the few specifically excluded. It also offers the option of ultra-high deductibles (up to $100,000). This could help significantly lower your premium, but you’ll also pay a lot more out of pocket. In addition to standard coverage, AIG offers services such as: kidnap, ransom and extortion coverage, landscaping coverage, multinational property coverage and business property coverage. Read our full review of AIG Homeowners Insurance. HIGHLIGHTS Financial rating: A+ (Superior) on A.M. Best Discounts: Bundling, loyalty, claim-free, autopay, electronic bill, alarm system, detection devices Bundling options: Auto, renters, life, umbrella Amica is known for top-notch service. The company scores well above average for customer satisfaction in the J.D. Power U.S. Home Insurance Study. Nationally, it has fewer complaints lodged with the NAIC than would be expected for an insurer of its size. Another standout aspect of the company when it comes to homeowners insurance is its Contractor Connection database. The resource lists thousands of vetted, licensed and insured contractors and guarantees their work with a five-year warranty. However, Amica rarely offers the cheapest homeowners insurance in price comparisons, so this is an insurer best suited to those who value top-of-the-line customer service over cost savings. Read our full review of Amica Homeowners Insurance. HIGHLIGHTS Financial rating: Superior (A++) on A.M. Best Discounts: Security and safety systems, new or renovated home, gated community, loyalty, claim-free, autopay, electronic bill, alarm system and more. Bundling options: Auto, renters, life, and umbrella Chubb scored well above average for customer satisfaction in the latest J.D. Power U.S. Home Insurance Study, as it customarily does. Also, the insurer’s Masterpiece policy offers unique benefits beyond the standard homeowners insurance policy, such as risk consulting services, coverage against hijacking, home invasions and more. A standout benefit is that policyholders can opt to get a cash settlement up to the policy’s limit if, after damages, they choose not to rebuild the property or opt to rebuild someplace else. Chubb’s also sells private flood insurance, and its policies offer maximum coverage of $15 million, which is notably high even for a private insurer. (By comparison, the federal NFIP program has a $250,000 maximum.) These rare benefits come at a cost. Chubb is widely regarded as one of the most expensive home insurers on the market, but if its rates fit your budget, it’s an excellent choice. In addition to its consistently fine showings in J.D. Power surveys, the insurer has one of the lowest NAIC complaint indexes of all the insurers we reviewed. HIGHLIGHTS Financial rating: A++ (Superior) on A.M. Best Discounts: Bundling, home security systems, resistant roofing Bundling options: Auto, renters, life State Farm is the largest home insurance company in the United States and offers a wide variety of policies, from life to car to condo. This gives customers the chance to bundle in various ways and not only get discounts but also have a more streamlined experience overall. One reality to State Farm, though, is that the company only works through captive agents. Its agent network is extensive in size, with local representatives in more than 80 communities in Connecticut. HIGHLIGHTS Financial rating: A++ (Superior) on A.M. Best Discounts: Bundling, protection devices, detection devices, multi-product (bundling with auto earns 10% discount, additional policies earn 5% discount), loyalty, claim-free Bundling options: Auto For military members and their families, USAA offers a great combination of low premiums and broad coverage. Its biggest plus, though, might be its customer service. USAA bested them all the picks on our list in the J.D. Power U.S. Home Insurance Study, even though those other companies all scored above average in customer satisfaction. USAA is also among the few home insurers that include Guaranteed Replacement Cost coverage as

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This article offers the information you need about car insurance in Arizona. It identifies best choices among the insurers who write policies in the Grand Canyon State, as well detailing the car insurance you’re required to carry there. Also included is data about the state’s insurance costs and their drivers – such as how many drivers compared with other states tend to be uninsured, based on data from the Insurance Research Council. What to know about car insurance in Arizona Arizona is a relatively expensive state when it comes to buying car insurance, according to an analysis of a number of surveys of premiums across the country. The state’s minimum requirements for car insurance coverage are lower in some respects than those for some states. They include relatively low per-accident liability limits and the need to carry uninsured/underinsured driver liability. Arizona’s “Stupid Motorist Law” fines motorists who drive their vehicles into flooded areas and require emergency assistance to get out. How we chose the best car insurance in Arizona Money’s picks for the best car insurance in Arizona all offer standout coverage and are based on the selections in our national ranking of the best car insurance providers. We also consider how companies fared in the 2025 J.D. Power U.S. Auto Insurance Study, which includes a ranking of customer satisfaction in the Southwest, and complaints data from the National Association of Insurance Commissioners (NAIC). For more details on how we select picks, see the methodology below. Top picks for the best car insurance companies in Arizona Allstate Amica Auto-Owners Insurance GEICO Nationwide State Farm Reviews of the best car insurance companies in Arizona These insurers are top picks among those that write auto insurance policies in Arizona, based on their rates, customer satisfaction and variety of offerings. The best car insurance companies in Arizona have options for good drivers to lower their rates, discounts for bundling multiple policies and flexible coverage to help drivers save money. (See the methodology below for more details.) Listed in alphabetical order: HIGHLIGHTS Satisfaction About average in the Southwest: J.D. Power (627/1,000; average is 636). Complaints Better than most: NAIC (index of 0.7; 1.0 is average) Financial stability Superior (A.M. Best rating, A+) Allstate scored a little below average in the 2025 J.D. Power U.S. Auto Insurance Study for the Southwest. Its record of complaints with the NAIC is also better than the norm. It’s among the companies that offer a diminishing deductible to customers who make no claims within a certain period. The optional Allstate’s Deductible Rewards program lets drivers earn an immediate $100 off their collision coverage deductible, and another $100 in deductible savings for each year they drive without getting into an accident, up to a maximum savings of $500 – a relatively generous schedule. There are also decent discounts of up to 25% on both your car and homeowners insurance if you bundle both of those insurance types from Allstate. (However, Allstate car insurance premiums are often more expensive than competitors’, so be sure to research costs before assuming an Allstate bundle will necessarily be less expensive.) Other pluses include a comparatively high discount of up to 40% if Allstate’s Drivewise telematics program determines that you are a good driver. One big drawback: unlike some competitors’ telematics programs, your rates could rise if Drivewise identifies risky behavior. A Milewise pay-as-you-go policy option allows you to pay a daily rate plus a per-mile charge on days you drive. HIGHLIGHTS Satisfaction Insufficient data for J.D. Power’s Southwest ranking, but Amica ranks highly in other J.D. Power customer satisfaction surveys Complaints Much better than most: NAIC (Index: 0.57) Financial stability Superior: A.M. Best (Rating, A+) Amica is known for top-notch service. Dur to a lack pf data, Amica isn’t ranked for customer satisfaction in the Southwest from J.D. Power. But the insurer ranks very well in regions in which it’s listed by the company. Also, Amica has fewer complaints lodged with the NAIC than would be expected for an insurer of its size. It also has a standout B rating from body shops and other repair facilities that report their experiences with insurers to the Crash Network. (The Network grades most insurers as C or lower.) The company’s telematics program stands out for allowing customers to redeem good-driving rewards for gift cards with merchants such as Amazon and Target. Amica’s premiums tend to be more expensive than the norm in price comparisons, though, so this is an insurer best suited to those who value top-of-the-line customer service over cost savings. HIGHLIGHTS Satisfaction About average in the Southwest: J.D. Power (634/1,000; average is 636) Complaints Much better than most: NAIC (Index: 0.43, 1.0 is average Financial stability Superior: A.M. Best (Rating, A+) Auto-Owner’s Insurance stands out by offering a generally economic if fairly bare-bones option for car insurance. the company has premiums that tend to be less expensive than the norm in price comparisons. It scored about average on satisfaction in the Southwest in the 2025 J.D. Power U.S. Auto Insurance Study. It has a lot fewer complaints lodged with the National Association of Insurance Commissioners about its car insurance than would be expected for an insurer of its size. It’s another of the companies that offer a diminishing deductible that further reduces costs for customers who make no claims within a certain period. Over the years, the feature can escalate to deliver a maximum credit of $500 from the program. On the downside, the insurer requires you to buy its policies through independent insurance agents. There’s no ability to get even premium quotes online, which may frustrate insurance buyers who are accustomed to comparing the cost of car insurance without getting into a car or picking up a phone. HIGHLIGHTS Satisfaction Below average in the Southwest: J.D. Power (624/1,000: average is 636) Complaints Better than most: NAIC (index: 0.75; 1.0 is average) Financial stability Very superior: A.M. Best (Rating, A++) GEICO is a decent, though not outstanding, insurer in most respects. It scored