Compare average insurance rates in Fort Collins for 2026
🏠
Home
$3021
/year
🚗
Auto
$2173
/year
🏥
Health
$494
/month
💰
Life
$22
/month
🏢
Renters
$18
/month
💡 Are you overpaying? Most Fort Collins residents pay 15-30% more than they should.
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Home Insurance in Fort Collins, CO
The average cost of homeowners insurance in Fort Collins, Colorado is $3,021 per year in 2026. This compares to the state average of $2,850 per year.
$3,021per year (avg in Fort Collins)
$1802CO avg: $2,850$4240
Factors Affecting Home Insurance in Fort Collins
🏠
Home Value Average: $530,000
🌪
Weather Risk high
🌊
Flood Zone 5% of properties
📈
Cost Index 1.06 (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
$2,265
Standard (HO-3)
$530,000
$265,000
$300,000
$3,021
Premium (HO-5)
$662,500
$397,500
$500,000
$4,078
Auto Insurance in Fort Collins, CO
The average annual cost of auto insurance in Fort Collins is $2,173, compared to the Colorado state average of $2,050.
$2,173per year (avg in Fort Collins)
$1378CO avg: $2,050$3074
📋
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
$1,195
Full Coverage
100/300/100
$500 deductible
$500 deductible
$2,173
Premium
250/500/250
$250 deductible
$250 deductible
$2,824
Health Insurance in Fort Collins, CO
The average monthly health insurance premium in Fort Collins is $494 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
$494per month (avg individual plan)
Health Insurance Plan Tiers
Plan Tier
Avg Monthly Premium
Typical Deductible
Out-of-Pocket Max
Best For
Bronze
$355
$7,000
$9,100
Healthy, low usage
Silver
$494
$4,500
$9,100
Moderate usage
Gold
$617
$1,650
$8,700
Regular medical needs
Platinum
$741
$0
$4,500
High usage / families
Life Insurance & Renters Insurance in Fort Collins
💰 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
$18
per month (avg in Fort Collins)
Renters insurance in Fort Collins 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 Fort Collins
Estimate your total annual insurance costs based on your personal profile.
The average home insurance cost in Fort Collins, CO is $3,021 per year for a standard HO-3 policy. Rates range from $1,802 to $4,240 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Fort Collins is $2,173 per year for full coverage. Liability-only coverage averages around $978 per year. Colorado requires minimum coverage of 25/50/15.
Insurance costs in Fort Collins are close to the national average (cost index: 1.06). Home insurance averages $3,021/yr and auto insurance $2,173/yr. Higher costs are driven by moderate natural disaster risk.
Key factors include: local cost of living (index: 1.06), 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. Fort Collins residents can potentially save $1,039+ 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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