Compare average insurance rates in Colorado Springs for 2026
🏠
Home
$2878
/year
🚗
Auto
$2070
/year
🏥
Health
$491
/month
💰
Life
$22
/month
🏢
Renters
$17
/month
💡 Are you overpaying? Most Colorado Springs residents pay 15-30% more than they should.
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Home Insurance in Colorado Springs, CO
The average cost of homeowners insurance in Colorado Springs, Colorado is $2,878 per year in 2026. This compares to the state average of $2,850 per year.
$2,878per year (avg in Colorado Springs)
$1717CO avg: $2,850$4040
Factors Affecting Home Insurance in Colorado Springs
🏠
Home Value Average: $530,000
🌪
Weather Risk high
🌊
Flood Zone 5% of properties
📈
Cost Index 1.01 (100 = national avg)
Home Insurance Coverage Comparison
Coverage Tier
Dwelling Coverage
Personal Property
Liability
Est. Annual Cost
Basic (HO-1)
$424,000
$212,000
$100,000
$2,158
Standard (HO-3)
$530,000
$265,000
$300,000
$2,878
Premium (HO-5)
$662,500
$397,500
$500,000
$3,885
Auto Insurance in Colorado Springs, CO
The average annual cost of auto insurance in Colorado Springs is $2,070, compared to the Colorado state average of $2,050.
$2,070per year (avg in Colorado Springs)
$1313CO avg: $2,050$2929
📋
Minimum Coverage in Colorado: 25/50/15
Auto Insurance Coverage Comparison
Coverage Level
Liability
Collision
Comprehensive
Est. Annual Cost
Liability Only
State Minimum
None
None
$1,138
Full Coverage
100/300/100
$500 deductible
$500 deductible
$2,070
Premium
250/500/250
$250 deductible
$250 deductible
$2,691
Health Insurance in Colorado Springs, CO
The average monthly health insurance premium in Colorado Springs is $491 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$491per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$353
$7,000
$9,100
Healthy, low usage
Silver
$491
$4,500
$9,100
Moderate usage
Gold
$613
$1,650
$8,700
Regular medical needs
Platinum
$736
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Colorado Springs
💰 Life Insurance
$22
per month (20-year term, $500K)
Life insurance rates in Colorado are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $22/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
$17
per month (avg in Colorado Springs)
Renters insurance in Colorado Springs covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Colorado Springs
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Colorado Springs, CO is $2,878 per year for a standard HO-3 policy. Rates range from $1,717 to $4,040 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Colorado Springs is $2,070 per year for full coverage. Liability-only coverage averages around $932 per year. Colorado requires minimum coverage of 25/50/15.
Insurance costs in Colorado Springs are close to the national average (cost index: 1.01). Home insurance averages $2,878/yr and auto insurance $2,070/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 1.01), moderate natural disaster risk, average home values ($530,000), your personal claims history, credit score, and at-fault insurance laws in Colorado.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Colorado Springs residents can potentially save $990+ per year.
Colorado requires minimum auto liability coverage of 25/50/15 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
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