Home Home insurance Average home insurance cost Cheapest homeowners insurance in Colorado Cheapest homeowners insurance in Colorado Written by: Les Masterson Les Masterson Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. In his career, he has covered everything from health insurance to presidential politics. | Reviewed by: Ashlee Tilford Ashlee Tilford Ashlee, a former managing editor, insurance, at QuinStreet, is a journalist and business professional. She earned an MBA in 2014 with a concentration in finance. She has more than 15 years of hands-on experience in the finance industry. | Updated on September 5, 2022 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Finding the cheapest home insurance in Colorado requires getting quotes from multiple home insurance companies. Home insurance companies don’t devise rates in all the same way. One may put a greater emphasis on one metric, such as a home’s claims history, while not caring as much about another, such as a person’s credit. That’s one reason why it pays to get quotes from multiple insurance companies. We found that Nationwide has the cheapest homeowners insurance rates in Colorado with an average annual premium of $2,153 or $179 per month for $300,000 dwelling and $300,000 liability coverage with a $1,000 deductible. Let’s take a look at the cheapest homeowners insurance in Colorado and how to find the best home insurance rates. Key TakeawaysIn Colorado, the cheapest homeowners insurance is offered by Nationwide at $2,153 per year for $300,000 dwelling coverage, $300,000 liability protection and $1,000 deductible.The zipcode 81503 in Colorado offers the homeowners insurance at the cheapest rate of $1,996 per year. Cheap homeowners insurance companies in Colorado Home insurance costs are a vital part of finding a homeowners insurance policy. Who has the cheapest homeowners insurance in Colorado? Nationwide, Travelers and American Family are the cheapest homeowners insurance companies in Colorado, on average. Here are average Colorado homeowners insurance rates for a policy with $300,000 dwelling coverage and $300,000 liability protection with a $1,000 deductible. CompanyAverage annual premiumAverage monthly premiumNationwide$2,153$179Travelers$2,530$211American Family$2,832$236Safeco$2,873$239Allied$2,976$248USAA$3,124$260Foremost$3,248$271Allstate$3,383$282Garrison$3,716$310State Farm$4,090$341Farmers$4,433$369First Liberty$7,787$649Fire Insurance$8,038$670 Compare cheap homeowners insurance in Colorado by ratings It’s a smart move to shop around to look for cheap homeowners insurance and compare policies and coverages from different insurance providers carefully. Here we have compared the cheapest home insurance companies in Colorado based on J.D. power score and AM Best ratings that help you to choose the best among the options available. CompanyJ.D. Power scoreAM Best ratingUSAA882A++State Farm835A++American Family831AAllstate829A+Farmers813ANationwide812A+Safeco810ALiberty Mutual806ATravelers800A++ How much is home insurance in Colorado The average cost of homeowners insurance in Colorado is $3,082 for $300,000 dwelling and $300,000 liability with a $1,000 deductible. The average Colorado home insurance costs are $777 more than the national average. Average annual premiumAverage monthly premium$3,082$257 Multiple factors play a role in homeowners insurance cost, including: Location, including ZIP code Level of coverage Home construction and age Your claims history Your home’s claims history The area’s claims history Deductible Credit history Home Insurance Calculator in Colorado See how the average annual home insurance rates vary with the options chosen. ZIP Dwelling Dwelling coverage pays for the rebuilding or repair of your physical home structure. Choose an amount that would cover the cost of rebuilding your home. $200,000 $300,000 $400,000 $500,000 $600,000 Liability Covers the medical expenses of people who are hurt while in your home or on your property, as well as damage you caused to others’ property. Also covers legal fees if you are sued by someone hurt in your home or on your property. Limits of $300,000 or $500,000 are recommended. $100,000 $300,000 Filter Average Annual Home Insurance Rates 80111 - Centennial $3,614 Average rate $9,866 Highest rate $1,636 Lowest rate Most expensive ZIP for home insurance in Colorado ZIP Code City Highest Rate 80726 Crook $4,327 80807 Burlington $4,159 80746 Paoli $4,157 80751 Sterling $4,149 Least expensive ZIP for home insurance in Colorado ZIP Code City Lowest Rate 81503 Grand Junction $1,735 81504 Clifton $1,745 81521 Fruita $1,749 81506 Grand Junction $1,768 Methodology Insure.com commissioned Quadrant Information Systems to field home insurance rates from major insurers in each state for nearly all ZIP codes in the country for 10 coverage levels based on various dwelling and deductible limits. The homeowner profile is a 35-year-old married applicant with excellent insurance score; new business HO3 policy for house built in 2000 with frame construction and composition roof. Other Structures: 10%. Loss of Use defaulted: 10%. Guest Medical limit: $5,000. Deductible limit: $1,000. Personal property: 50% of dwelling coverage for replacement value Cheapest homeowners insurance in Colorado by ZIP code 81503 has the cheapest homeowners insurance, among large cities surveyed, with average rate of $1,996 per year, which is $166 per month. Here are how Colorado cities rank for average home insurance rates: ZIP codeAverage annual premiumAverage monthly premium81503$1,996$16681504$2,010$16881506$2,027$16981501$2,033$16981601$2,037$17081505$2,059$17281521$2,064$17281650$2,078$17381623$2,086$17481520$2,098$17581615$2,101$17581635$2,115$17681637$2,120$17781526$2,121$17781631$2,129$177 Explore other insurance options in Colorado Average renters insurance cost in Colorado Average car insurance cost in Colorado Non-owner auto insurance in Colorado Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.Home insurance rates in Colorado by cityArvadaColorado SpringsMesaHow much is home insurance in other statesAlaska$1,799/YearAlabama$2,981/YearArkansas$3,439/YearArizona$1,976/YearCalifornia$1,166/YearConnecticut$1,961/YearWashington D.C.$1,488/YearDelaware$1,521/YearFlorida$3,439/YearGeorgia$2,555/YearHawaii$499/YearIowa$2,540/YearIdaho$1,842/YearIllinois$2,201/YearIndiana$2,423/YearKansas$3,931/YearKentucky$2,862/YearLouisiana$3,270/YearMassachusetts$1,920/YearMaryland$1,518/YearMaine$1,833/YearMichigan$2,153/YearMinnesota$3,010/YearMissouri$3,111/YearMississippi$3,340/YearMontana$2,809/YearNorth Carolina$2,009/YearNorth Dakota$2,601/YearNebraska$3,133/YearNew Hampshire$1,455/YearNew Jersey$1,744/YearNew Mexico$2,299/YearNevada$1,486/YearNew York$1,840/YearOhio$2,107/YearOklahoma$4,445/YearOregon$1,608/YearPennsylvania$1,720/YearRhode Island$2,125/YearSouth Carolina$2,678/YearSouth Dakota$3,172/YearTennessee$2,692/YearTexas$3,429/YearUtah$1,378/YearVirginia$1,956/YearVermont$1,212/YearWashington$1,514/YearWisconsin$1,732/YearWest Virginia$2,486/YearWyoming$2,083/YearShow moreLes MastersonContributor . .Les, a former managing editor, insurance, at QuinStreet, has more than 20 years of experience in journalism. 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