The average renters insurance in Colorado is $191 per year — that's 34% below the U.S. average of $288, the 43rd least expensive of 51 states.
| Colorado average | $191 per year |
|---|---|
| U.S. average | $288 per year |
| Difference | −34% (−$97/yr) |
| Rank (most expensive) | 43rd of 51 |
Colorado sits in the West and ranks 43rd of 51 for renters insurance cost. Premiums stay lower thanks to hail and a growing wildfire threat along the Front Range. 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: bundling renters with your car insurance; raising your deductible; asking about security/safety discounts (alarms, deadbolts, smoke detectors); comparing a few carriers — renters policies are cheap but still vary. 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 Renters Insurance Rates — Free, 2 Minutes →The average renters insurance in Colorado is about $191 per year as of 2026 — 34% below the national average of $288 per year. Your own rate depends on your specifics, so comparing quotes is the only way to know yours.
Colorado ranks 43rd out of 51 for renters insurance cost. Rates run lower thanks to hail and a growing wildfire threat along the Front Range.
The fastest levers: bundling renters with your car insurance, raising your deductible, asking about security/safety discounts (alarms, deadbolts, smoke detectors). Re-shopping at renewal is the single biggest one — it's free and doesn't change your current policy.