- Best home insurance company in Colorado: Allstate
- Cheapest home insurance company in Colorado: Allstate
- Average home insurance cost in Colorado
- Colorado home insurance rates by ZIP code
- Colorado homeowners insurance rates by county
- Compare homeowners insurance rates by city in Colorado
- Methodology
- FAQ: Colorado homeowners insurance
- Compare Colorado homeowners insurance rates with other states
Best home insurance company in Colorado: Allstate
The best home insurance company in Colorado for 2026 is Allstate. State Farm, Nationwide, Farmers, and American Family are among other top home insurance companies in Colorado based on price, NAIC complaints, and AM Best financial ratings.
The total Insurance.com score is calculated out of five using these factors.
Cheapest home insurance company in Colorado: Allstate
Below are Colorado home insurance rates by company for five different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible.
Based on our analysis, State Farm offers the cheapest home insurance at $2,021 per year for $200,000 dwelling coverage. Meanwhile, Allstate is the most affordable option we found for $300,000, $400,000 and $600,000 dwelling coverage, priced at $2,517, $2,642 and $2,857 per year respectively. For the highest dwelling coverage of $1,000,000, Allstate is still the best choice for most homeowners at $3,224 annually.
| Company | $200,000 | $300,000 | $400,000 | $600,000 | $1,000,000 |
|---|---|---|---|---|---|
| State Farm | $2,021 | $2,557 | $3,059 | $4,168 | $5,457 |
| Farmers | $4,639 | $6,504 | $8,299 | $11,816 | $14,628 |
| Allstate | $2,317 | $2,517 | $2,642 | $2,857 | $3,224 |
| Nationwide | $4,130 | $5,940 | $7,543 | $10,562 | $14,933 |
| American Family | $5,585 | $7,231 | $8,704 | $11,317 | $12,052 |
| USAA | $3,109 | $4,315 | $5,388 | $6,723 | $7,715 |
Average home insurance cost in Colorado
The average cost of homeowners insurance in Colorado is $4,963 a year or $414 a month. This is based on coverage of:
- $300,000 dwelling
- $300,000 liability
- $1,000 deductible.
However, the average annual premium varies by the insurance company, your ZIP code, coverage type, and your home's age, among other factors. It’s a good idea to compare price quotes from different Colorado homeowners insurance companies to get the best deal.
Colorado home insurance rates by ZIP code
Home insurance rates vary widely depending on where the home is located. We compared home insurance rates by ZIP code in Colorado to see which areas are the most and least expensive.
Enter your ZIP code and desired coverage level in the search box to see the average home insurance rate for that area. You will also see the highest and lowest premiums from major home insurers. This will give you an idea of how much you can save by comparing home insurance rates. The difference between the highest rate and the lowest rate is how much you could save by shopping around.
Home insurance calculator by ZIP code
Average home insurance rates in TexasMost & least expensive ZIP codes for homeowners insurance in Texas
| ZIP code | City | Highest rate |
|---|---|---|
| 77550 | Galveston | $10,164 |
| 77586 | El Lago | $9,906 |
| 77551 | Galveston | $9,536 |
| 77554 | Galveston | $9,358 |
| ZIP code | City | Lowest rate |
|---|---|---|
| 78559 | Iglesia Antigua | $1,956 |
| 78593 | Santa Rosa | $1,999 |
| 79915 | El Paso | $2,008 |
| 79905 | El Paso | $2,009 |
The Colorado Division of Insurance says...
"Homes located in areas now considered higher risk due to changing weather patterns or those with changes in claims history may see premium increases. This adjustment reflects insurers' reassessment of risk in response to environmental changes and historical claims data."
- The Colorado Division of InsuranceThe most expensive ZIP codes in Colorado for home insurance
Colorado homeowners insurance rates are the most expensive for ZIP code 80807 with an average annual cost of $7,529.
The most expensive ZIP codes in Colorado are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Burlington | 80807 | $7,529 |
| Bethune | 80805 | $7,523 |
| Stratton | 80836 | $7,522 |
| Kirk | 80824 | $7,519 |
| Seibert | 80834 | $7,483 |
The least expensive ZIP codes in Colorado for home insurance
The cheapest ZIP codes for home insurance in Colorado are:
| City | ZIP code | Average Annual Premium |
|---|---|---|
| Grand Junction | 81504 | $2,474 |
| Grand Junction | 81501 | $2,485 |
| Grand Junction | 81506 | $2,513 |
| Montrose | 81401 | $2,515 |
| Grand Junction | 81505 | $2,517 |
Colorado homeowners insurance rates by county
Home insurance rates in Colorado vary by county. Take a look at the average rates by county in Colorado below to see how costs compare.
| County | Average annual premium | Average monthly premium |
|---|---|---|
| Adams | $5,451 | $454 |
| Alamosa | $2,751 | $229 |
| Arapahoe | $5,863 | $489 |
| Archuleta | $2,722 | $227 |
| Baca | $6,960 | $580 |
| Bent | $6,852 | $571 |
| Boulder | $4,812 | $401 |
| Broomfield | $5,147 | $429 |
| Chaffee | $3,058 | $255 |
| Cheyenne | $7,288 | $607 |
| Clear Creek | $3,781 | $315 |
| Conejos | $2,724 | $227 |
| Costilla | $3,014 | $251 |
| Crowley | $6,820 | $568 |
| Custer | $4,331 | $361 |
| Delta | $2,671 | $223 |
| Denver | $5,910 | $492 |
| Dolores | $2,647 | $221 |
| Douglas | $5,773 | $481 |
| Eagle | $2,865 | $239 |
| El Paso | $5,860 | $488 |
| Elbert | $6,576 | $548 |
| Fremont | $4,017 | $335 |
| Garfield | $2,705 | $225 |
| Gilpin | $4,165 | $347 |
| Grand | $3,421 | $285 |
| Gunnison | $2,808 | $234 |
| Hinsdale | $2,566 | $214 |
| Huerfano | $4,298 | $358 |
| Jackson | $3,213 | $268 |
| Jefferson | $5,376 | $448 |
| Kiowa | $7,083 | $590 |
| Kit Carson | $7,488 | $624 |
| La Plata | $2,774 | $231 |
| Lake | $2,992 | $249 |
| Larimer | $4,810 | $401 |
| Las Animas | $5,303 | $442 |
| Lincoln | $7,200 | $600 |
| Logan | $6,873 | $573 |
| Mesa | $2,639 | $220 |
| Mineral | $2,691 | $224 |
| Moffat | $3,076 | $256 |
| Montezuma | $2,648 | $221 |
| Montrose | $2,674 | $223 |
| Morgan | $6,994 | $583 |
| Otero | $6,687 | $557 |
| Ouray | $2,632 | $219 |
| Park | $4,063 | $339 |
| Phillips | $7,078 | $590 |
| Pitkin | $2,906 | $242 |
| Prowers | $7,097 | $591 |
| Pueblo | $5,793 | $483 |
| Rio Blanco | $2,933 | $244 |
| Rio Grande | $2,729 | $227 |
| Routt | $2,954 | $246 |
| Saguache | $2,870 | $239 |
| San Juan | $2,619 | $218 |
| San Miguel | $2,865 | $239 |
| Sedgwick | $7,371 | $614 |
| Summit | $3,133 | $261 |
| Teller | $5,119 | $427 |
| Washington | $7,297 | $608 |
| Weld | $6,036 | $503 |
| Yuma | $7,409 | $617 |
Compare homeowners insurance rates by city in Colorado
Home insurance rates vary significantly across cities, influenced by various factors, including weather patterns and crime rates. Take a look at the average rates in major Colorado cities below.
City Annual insurance premium
Methodology
Insurance.com worked with Quadrant Information Services to field homeowners insurance rates in all 50 states and Washington, D.C. We analyzed 37,973,840 insurance quotes from 134 insurance companies across 34,595 ZIP codes to determine the average premiums.
The insurance rates are based on a sample profile of a homeowner with good credit and the following coverage level:
- $300,000 dwelling coverage
- $300,000 liability protection
- $1,000 deductible
- 2% hurricane deductible where appropriate.
To rank insurance companies, we used three important factors: average annual cost, NAIC complaint ratio and AM Best financial stability rating. Find the full best insurance companies rating methodology here. The quoted insurance rates are for comparison purposes, and your rates will vary.
FAQ: Colorado homeowners insurance
How do I buy flood insurance in Colorado?
Flood insurance may be available directly from your insurance provider. If not, you can purchase a separate policy from the National Flood Insurance Program (NFIP).
Why is homeowners insurance going up in Colorado?
Homeowners insurance rates in Colorado are rising due to both inflation and the increasing risk of wildfires. Shopping around is the best way to save.
