Updated: January 7, 2026
Advertising & Editorial Disclosure
Colorado homeowners save 57% choosing Auto-Owners at $1,733 annually versus the state average of $4,030.
Location matters. Auto-Owners costs $2,105 in Pueblo but just $1,289 in Winter Park.
Compare quotes from multiple insurers, ask about discounts and bundle policies to find savings on your home insurance.
You'll pay $4,075 on average for Colorado home insurance, but rates vary by provider. You can save over 57% on home insurance by choosing the right provider.Â
Auto-Owners is the cheapest home insurance company in Colorado at $1733 annually. State Farm provides affordable policies at $2,349, and Allstate rounds out the top options at $2,796 per year.
| Auto-Owners Insurance | 5.00 | $1,733 | -57% |
| State Farm | 4.86 | $2,349 | -42% |
| Allstate | 4.76 | $2,796 | -31% |
| Chubb | 4.50 | $3,949 | -3% |
| USAA | 4.41 | $4,314 | 6% |
*These rates are based on a house built in 2000 with $250,000 in dwelling coverage, $125,000 in personal property coverage, $200,000 in liability coverage and a $1,000 deductible. We assumed good credit and no claims in the past five years.
Price matters when choosing home insurance, but customer service and coverage options affect your claims experience. Our separate guide to the best home insurance companies in Colorado compares insurers across multiple factors beyond cost.
Your home's value affects your insurance costs more than any other factor. A $100,000 home in Colorado costs less to insure than a $1 million property. Auto-Owners offers the lowest rates across all coverage levels in our analysis. The table below shows the cheapest insurers for your dwelling coverage amount.
| Auto-Owners Insurance | $83 | $999 |
| State Farm | $106 | $1,275 |
| Chubb | $134 | $1,612 |
| USAA | $171 | $2,052 |
| Allstate | $202 | $2,422 |
Your city affects your home insurance rates due to local crime rates, weather risks and construction costs. Auto-Owners charges Pueblo residents $2,105 annually but only $1,289 in Winter Park for identical coverage. Auto-Owners offers the lowest rates in all 16 cities we analyzed. Compare insurers in your area below.
| USAA | $349 | $4,191 |
| Auto-Owners Insurance | $143 | $1,718 |
| State Farm | $196 | $2,349 |
| American Family | $331 | $3,974 |
| Allstate | $242 | $2,906 |
Your personal profile affects your home insurance rates as much as your property details. Credit score and claims history create the largest rate differences among Colorado homeowners.
Insurers use credit scores to predict claim likelihood, which affects your premium by hundreds of dollars annually. Auto-Owners offers the lowest rates across all credit tiers in Colorado.
| State Farm | $216 | $2,597 |
| Allstate | $223 | $2,679 |
| Auto-Owners Insurance | $374 | $4,493 |
| American Family | $403 | $4,838 |
| USAA | $420 | $5,038 |
Filing claims increases your premiums, but the rate increase varies by insurer. Auto-Owners maintains the lowest rates for Colorado homeowners regardless of claims history.
| Auto-Owners Insurance | $167 | $2,009 |
| State Farm | $227 | $2,723 |
| Allstate | $270 | $3,241 |
| Chubb | $381 | $4,577 |
| USAA | $417 | $5,001 |
Finding affordable home insurance in Colorado takes effort, but you can lower your costs. Here's how to save on your policy.
Decide on your coverage limits before shopping to avoid buying more than you need. Understand dwelling coverage, personal property limits and liability protection to get adequate coverage without overpaying.
Compare quotes from at least three insurers for identical coverage levels. Colorado home insurance rates vary by hundreds of dollars annually between companies, even for the same home and profile. Gather quotes online, through agents and directly from insurers to find your best rate.
Save 15% to 25% by bundling your home insurance with auto coverage. Most Colorado insurers offer multi-policy discounts that reduce both premiums.
Ask agents about every discount you qualify for, as insurers won't apply them automatically. Common Colorado discounts include protective device discounts for monitored alarm systems (5% to 20% savings), claims-free discounts and new home discounts. Wind and hail-resistant roofing can lower your premium.
Colorado allows credit-based insurance scoring, so improving your credit can lower your rates. Pay bills on time and reduce credit card balances to see premium reductions at your next renewal.
Auto-Owners leads Colorado for affordable home insurance at $1,733 annually, but your best rate depends on your home's value, location and personal profile. Compare quotes from at least three insurers to find the best cost and coverage for your needs. Start with the companies on our list and ask about available discounts to maximize your savings.
Get answers to common questions about affordable home insurance in Colorado.
Older homes cost more to insure due to outdated electrical, plumbing and roofing systems. Lower your premium by updating these systems and providing documentation to your insurer. Replacing knob-and-tube wiring, updating your roof and installing a modern HVAC system can reduce your rates. Some insurers offer renovation discounts when you complete major updates.
Roof age affects your premium and coverage eligibility. Most Colorado insurers charge higher rates for roofs over 15 years old, and some won't cover roofs over 20 years without inspection. A new roof can lower your premium and qualify you for discounts. Insurers provide actual cash value coverage instead of replacement cost for older roofs, paying less when you file claims.
Some dog breeds increase your liability premium or disqualify you from coverage entirely. Insurers consider pit bulls, Rottweilers, German shepherds and Dobermans high-risk breeds. You'll pay more for liability coverage with these breeds, and some insurers won't cover you at all. Disclose your dog when applying, as hiding this information can lead to claim denials.
Colorado doesn't require flood insurance unless you have a federally backed mortgage in a high-risk flood zone. Standard home insurance doesn't cover flood damage, so you need separate flood insurance through the National Flood Insurance Program or private insurers.
MoneyGeek analyzed Colorado rates to identify which companies offer the lowest premiums for homeowners across the state.
We gathered quotes from major insurers through Quadrant Information Services for a standard Colorado home profile. The data shows which companies price competitively for typical homeowners.
Sample Home Profile
We gathered quotes using these specifications to represent a common Colorado homeowner:
This profile reflects a moderately valued home with a clean claims history. Newer homes (built after 1990) get better rates than older properties with outdated electrical and plumbing systems. The $1,000 deductible balances affordable premiums with reasonable out-of-pocket costs when filing claims.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
