🏠 Home insurance cost in Denver, CO (2027)
Estimated average: $4,223 per year — +84% vs. the U.S. average of $2,300.
With about 713,252 residents, Denver is a major metro and the largest city in Colorado. Home insurance rates here are estimated at $4,223 per year, above the Colorado average of $3,910 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Denver with other Colorado cities.
Estimate your home insurance in Denver
Denver home insurance estimator
Starts from the Denver estimate. Get quotes to confirm your price.
Denver home insurance FAQ
How much is home insurance in Denver, CO?
The estimated average is $4,223 per year — above the state average (+8% vs. the Colorado average of $3,910, and +84% vs. the U.S. average).
Is home insurance more expensive in Denver than elsewhere in Colorado?
Denver has about 713,252 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Denver?
Compare at least three quotes from insurers active in Denver, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.