Average insurance rates across 91 cities in Colorado
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Denver | 715,522 | $3,220 | $2,316 | $500/mo | $19/mo |
| Colorado Springs | 478,961 | $2,878 | $2,070 | $491/mo | $17/mo |
| Aurora | 386,261 | $3,107 | $2,234 | $497/mo | $19/mo |
| Fort Collins | 169,810 | $3,021 | $2,173 | $494/mo | $18/mo |
| Lakewood | 155,984 | $3,078 | $2,214 | $496/mo | $18/mo |
| Thornton | 141,867 | $3,021 | $2,173 | $494/mo | $18/mo |
| Greeley | 140,984 | $2,992 | $2,152 | $494/mo | $18/mo |
| Grand Junction | 138,416 | $2,992 | $2,152 | $494/mo | $18/mo |
| Arvada | 124,402 | $3,021 | $2,173 | $494/mo | $18/mo |
| Boulder | 118,090 | $2,992 | $2,152 | $494/mo | $18/mo |
| Westminster | 116,317 | $3,050 | $2,194 | $495/mo | $18/mo |
| Pueblo | 112,368 | $2,565 | $1,845 | $483/mo | $15/mo |
| Centennial | 107,702 | $2,992 | $2,152 | $494/mo | $18/mo |
| Longmont | 101,642 | $2,992 | $2,152 | $494/mo | $18/mo |
| Highlands Ranch | 101,514 | $2,992 | $2,152 | $494/mo | $18/mo |
Colorado residents pay an average of $2,850 per year for home insurance and $2,050 for auto insurance. Colorado follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 25/50/15.
Health insurance in Colorado averages $490 per month for an individual Silver marketplace plan. The weather risk level is high, with moderate natural disaster risk. Top insurance providers in Colorado include State Farm, USAA, American Family.
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Policygenius The ZebraThe average home insurance cost in Colorado is $2,850 per year. Rates range from $1,700 to $4,000 depending on home value, location, and coverage level.
Auto insurance in Colorado averages $2,050 per year for full coverage. The state minimum coverage is 25/50/15.
Yes, Colorado has above-average insurance costs, with home insurance at $2,850/yr and auto at $2,050/yr compared to national averages of $2,300 and $1,800 respectively.
Colorado requires minimum liability coverage of 25/50/15 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.