The average homeowners insurance in Colorado is $4,963 per year — that's 95% above the U.S. average of $2,543, the 5th most expensive of 51 states.
| Colorado average | $4,963 per year |
|---|---|
| U.S. average | $2,543 per year |
| Difference | +95% (+$2,420/yr) |
| Rank (most expensive) | 5th of 51 |
Colorado sits in the West and ranks 5th of 51 for home insurance cost. The main driver is hail and a growing wildfire threat along the Front Range — insurers price that risk straight into your premium. Either way, the same coverage is quoted very differently between carriers, so what you personally pay comes down to who you buy from.
Your state's full breakdown plus the discounts most people miss. Free, no obligation.
The levers that move your rate the most: raising your deductible; bundling home and auto with one carrier; adding wind/hail mitigation or a newer roof; asking about every discount (claims-free, security system, new-buyer). The biggest one is simply re-shopping at renewal — insurers raise rates on existing customers faster than they quote new ones, so loyalty quietly costs you.
Compare Colorado Home Insurance Rates — Free, 2 Minutes →The average homeowners insurance in Colorado is about $4,963 per year as of 2026 — 95% above the national average of $2,543 per year. Your own rate depends on your specifics, so comparing quotes is the only way to know yours.
Colorado ranks 5th out of 51 for home insurance cost. Rates run high largely because of hail and a growing wildfire threat along the Front Range.
The fastest levers: raising your deductible, bundling home and auto with one carrier, adding wind/hail mitigation or a newer roof. Re-shopping at renewal is the single biggest one — it's free and doesn't change your current policy.