🏠 Home insurance cost in Fort Collins, CO (2027)
Estimated average: $3,910 per year — +70% vs. the U.S. average of $2,300.
With about 169,810 residents, Fort Collins is a mid-size city and the #4 largest city in Colorado. Home insurance rates here are estimated at $3,910 per year, near 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 Fort Collins with other Colorado cities.
Estimate your home insurance in Fort Collins
Fort Collins home insurance estimator
Starts from the Fort Collins estimate. Get quotes to confirm your price.
Fort Collins home insurance FAQ
How much is home insurance in Fort Collins, CO?
The estimated average is $3,910 per year — about the state average (0% vs. the Colorado average of $3,910, and +70% vs. the U.S. average).
Is home insurance more expensive in Fort Collins than elsewhere in Colorado?
Fort Collins has about 169,810 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 Fort Collins?
Compare at least three quotes from insurers active in Fort Collins, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.