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Best homeowners insurance in Colorado

USAA is the best homeowners insurance company in Colorado, based on a 2023 analysis by, with an overall rating of 4.95. State Farm is the best home insurance company in Arizona for non-military homeowners, with an overall rating of 4.24.

USAA offers the cheapest home insurance in Colorado for all coverage levels, while State Farm has the lowest rates for non-military homeowners.

With so many options out there, it is not easy to choose a homeowners insurance company in Colorado. You need a reliable company that will provide you with quality service at an affordable price. If this is what you're looking for, then keep on reading this guide.

Key takeaways

  • The average cost of homeowners insurance in Colorado is $3,388 a year or $282 a month.
  • The cheapest homeowners insurance company in Colorado is USAA with an average home insurance rate of $2,568 a year. For non-military homeowners, State Farm is the cheapest.
  • USAA ranks as the best homeowners insurance in Colorado for 2023, while State Farm is best for non-military homeowners.

Average home insurance cost in Colorado

The average cost of homeowners insurance in Colorado is $3,388 a year or $282 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.

Best home insurance companies in Colorado

The best home insurance company in Colorado for 2023 is USAA, followed by State Farm and American Family.

Below is a full list of the top Colorado insurance companies based on price, NAIC complaints, and AM Best financial ratings. The total score is calculated out of five using these factors.

Best home insurance companies in Colorado
Insurance companyAM BestAverage annual rateNAIC Complaint score
State FarmA++$3,0061.074.24
American FamilyA$3,1540.64.13

*USAA only provides coverage to military members, veterans, and their families.

Cheapest home insurance companies in Colorado

Below are Colorado home insurance rates by company for six different levels of dwelling coverage, each with $300,000 in liability and a $1,000 deductible. Based on our rate analysis, you’ll see USAA has the most affordable rates in every category, but for non-military homeowners, State Farm is a close second.

Cheapest home insurance rates in Colorado by coverage level
State Farm$2,325$3,006$3,674$4,525$5,010
American Family$2,564$3,154$3,677$4,156$4,595

Colorado home insurance rates by ZIP code and city

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.


Average home insurance rates in CALIFORNIA

94404 - Foster City
Dwelling $200,000, Deductible $1,000 and Liability $100,000.



Most & least expensive zip codes for homeowners insurance in California

Most Expensive

Zip CodeCityHighest Rate
92391Twin Peaks$1,426
92321Cedar Glen$1,425
92352Lake Arrowhead$1,423

Least Expensive

Zip CodeCityLowest Rate
95051Santa Clara$743

The most expensive ZIP codes in Colorado for home insurance

Colorado homeowners insurance rates are the most expensive for ZIP code 80731 with an average annual cost of $5,159.

The most expensive ZIP codes in Colorado are:

ZIP codeAverage annual rates

The least expensive ZIP codes in Colorado for home insurance

The cheapest ZIP codes for home insurance in Colorado are:

ZIP codeAverage annual rates

Frequently asked questions about 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.

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