Average home insurance cost in Colorado
Colorado is one of the most expensive states in America for home insurance, ranking #42 of 51. The average policy runs about 57% above the national average — an extra $1,420 a year, a premium insurers charge for the state's severe-weather claim history.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Colorado compares with its neighbors
| State | Annual premium | Difference vs CO |
|---|---|---|
| Colorado | $3,910 | — |
| Wyoming | $1,805 | −$2,105/yr |
| Utah | $1,810 | −$2,100/yr |
| Kansas | $5,455 | +$1,545/yr |
| New Mexico | $2,800 | −$1,110/yr |
Colorado home insurance FAQ
How much is homeowners insurance in Colorado?
Home insurance in Colorado averages $3,910 per year — about $326 per month — for a benchmark policy with $400,000 in dwelling coverage, $300,000 liability and a $1,000 deductible. Your rate depends on your home's age, construction, location and claim history.
Is home insurance in Colorado more expensive than average?
Yes. Colorado's average of $3,910/year runs about 57% above the U.S. average of $2,490/year, ranking #42 of 51 (1 = cheapest).
How can I lower my home insurance bill in Colorado?
The four moves that reliably work: compare quotes from at least three carriers (the biggest lever — gaps of $1,000+ per year for identical coverage are common), raise your deductible to an amount you could cover in an emergency, bundle home and auto with one carrier for a 10–25% discount, and ask about discounts for wind-resistant roofing, monitored security systems and claim-free history.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare home insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.