🏠 Home insurance cost in Colorado (2026)
The estimated average is $3,910 per year — above the national average (+70% vs. the U.S. average of $2,300).
Colorado is home to about 5.9 million people, and home insurance here runs above the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Denver typically differ from smaller towns.
Estimate your home insurance in Colorado
Colorado home insurance estimator
Starts from the Colorado average. Estimate only — get quotes to confirm.
Home insurance cost in Colorado cities
| City | Population | Est. home insurance |
|---|---|---|
| Denver | 713,252 | $4,223 |
| Colorado Springs | 483,956 | $4,066 |
| Aurora | 386,261 | $4,066 |
| Fort Collins | 169,810 | $3,910 |
| Lakewood | 155,984 | $3,910 |
| Boulder | 104,898 | $3,910 |
Colorado home insurance FAQ
How much is home insurance in Colorado?
The estimated average home insurance in Colorado is $3,910 per year, which is above the national average (+70% vs. the U.S. average of $2,300). Colorado ranks 7 of 51 states from most to least expensive.
Why is home insurance expensive in Colorado?
Home insurance pricing in Colorado reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the West.
How can I save on home insurance in Colorado?
Compare at least three quotes from insurers active in Colorado, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.