Home Renters insurance Renters insurance cost Average renters insurance cost in Colorado Average renters insurance cost in Colorado Discover the average cost of renters insurance in Colorado and how factors like location and coverage levels can impact your rate. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University. | Updated on: March 3, 2026 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Renters insurance costs in Colorado vary depending on various factors, including the coverage amount, insurance company and individual circumstances. The average cost of renters insurance in Colorado is $224 per year or $19 per month for a coverage limit of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible. These are average rates, and actual premiums may differ. Key Takeaways The average cost of renters insurance in Colorado is $224 per year or $19 per month.State Farm provides the least expensive renters insurance in Colorado at an average rate of $171 annually.Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Colorado. Average renters insurance cost in Colorado per monthIn Colorado, the average monthly cost of renters insurance is $19. However, premiums can differ depending on factors such as your rental’s location, the value of your personal belongings and the level of coverage you select. Experts recommend comparing quotes from different insurance companies to find the best deal.Average renters ins cost per monthDifference compared to national average$19$5 lessPowered by:Average renters insurance cost in Colorado by companyAccording to our data, State Farm provides the most affordable renters insurance in Colorado, with an average annual rate of $171, followed by Allstate and Farmers.Getting quotes from multiple renters insurance companies in Colorado is a good idea, as prices can differ significantly among insurers.Below, you can find average annual and monthly renters insurance rates from various companies in Colorado.CompanyAverage annual rateAverage monthly rateState Farm$171$14Allstate$208$17Farmers$211$18Chubb$329$27American Family$355$30USAA*$188$16*USAA is only available to military community members and their families.Powered by: Renters insurance calculator in Colorado Select your state Colorado Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Personal property coverage Covers your personal belongings, such as your furniture, electronics, clothing, artwork, etc. Choose the amount you believe would cover all of your belongings. $40,000 $20,000 $40,000 $60,000 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. $300,000 $100,000 $300,000 Deductible Choose the amount you want to pay out-of-pocket before insurance kicks in. This applies to your dwelling and personal belongings claims. $1,000 $500 $1,000 Calculate $205/year Estimated renters insurance rates in Colorado $17 Monthly renters insurance cost in Colorado -24% Compared to national average Get quotes Average cost of renters insurance in Colorado by coverage levelOn average, Colorado renters pay $224 each year for insurance for a coverage limit of $40,000 in personal property, $300,000 in liability protection and a $1,000 deductible.Reducing your personal property coverage from $40,000 to $20,000 can lower your renters insurance cost in Colorado to $170 per year. This policy still includes $300,000 in liability protection and a $1,000 deductible. However, you should ensure that $20,000 is adequate coverage for your personal belongings before making this change.Below are the average annual renters insurance costs in Colorado for personal property coverage of $20,000 and $40,000.Coverage levelAverage annual renters insurance rateAverage monthly renters insurance rate$20,000 with $500 Deductible and $100,000 Liability$175$15$20,000 with $500 Deductible and $300,000 Liability$193$16$20,000 with $1,000 Deductible and $100,000 Liability$154$13$20,000 with $1,000 Deductible and $300,000 Liability$170$14$40,000 with $500 Deductible and $100,000 Liability$236$20$40,000 with $500 Deductible and $300,000 Liability$255$21$40,000 with $1,000 Deductible and $100,000 Liability$205$17$40,000 with $1,000 Deductible and $300,000 Liability$224$19$60,000 with $500 Deductible and $100,000 Liability$296$25$60,000 with $500 Deductible and $300,000 Liability$315$26$60,000 with $1,000 Deductible and $100,000 Liability$255$21$60,000 with $1,000 Deductible and $300,000 Liability$275$23Powered by:Average cost of renters insurance in Colorado by cityRenters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Colorado.Renters insurance rates in Colorado by citySee rates in your cityColorado SpringsMesaAverage cost of renters insurance in Colorado by ZIP codeIn Colorado, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.Most affordable ZIP codes for renters insurance in ColoradoIn Colorado, your ZIP code plays a major role in determining your premiums. Based on our data, 80513 is the most affordable ZIP code for renters insurance, with an average annual cost of $210.Comparing quotes from multiple insurers in Colorado is a smart way to find the best renters insurance rates for your ZIP code.ZIP codeCityAverage annual rateAverage monthly rate80513Berthoud$210$1880601Brighton$210$1880124Lone Tree$210$1880019Aurora$211$1880104Castle Rock$211$1880516Erie$211$1880622Galeton$211$1880126Highlands Ranch$211$1880642Hudson$211$1880538Loveland$211$18Powered by:Least affordable ZIP codes for renters insurance in Colorado80840 is the most expensive ZIP code for renters insurance in Colorado, at an average cost of $264 annually or $22 monthly.We’ve gathered and analyzed quotes from major insurance companies across all ZIP codes in Colorado. The table below shows the average annual renters insurance rates by ZIP code.ZIP codeCityAverage annual rateAverage monthly rate80840Air Force Academy$264$2281069Rye$247$2180809Cascade$246$2080106Elbert$246$2180819Green Mountain Falls$246$2080833Rush$246$2080864Yoder$246$2081023Beulah$244$2081025Boone$244$2080302Boulder$244$20Powered by:Final thoughts: Average renters insurance in ColoradoRenters insurance is a must-have for renters in Colorado. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.How much is renters insurance in other statesAlaska$269/YearAlabama$390/YearArkansas$406/YearArizona$275/YearCalifornia$300/YearConnecticut$325/YearDelaware$207/YearFlorida$215/YearGeorgia$353/YearHawaii$252/YearIowa$216/YearIdaho$190/YearIllinois$294/YearIndiana$268/YearKansas$254/YearKentucky$209/YearLouisiana$579/YearMassachusetts$229/YearMaryland$251/YearMaine$211/YearMichigan$471/YearMinnesota$218/YearMissouri$249/YearMississippi$429/YearMontana$284/YearNorth Carolina$436/YearNorth Dakota$200/YearNebraska$314/YearNew Hampshire$160/YearNew Jersey$238/YearNew Mexico$195/YearNevada$263/YearNew York$328/YearOhio$255/YearOklahoma$299/YearOregon$295/YearPennsylvania$325/YearRhode Island$560/YearSouth Carolina$314/YearSouth Dakota$208/YearTennessee$309/YearTexas$223/YearUtah$246/YearVirginia$270/YearVermont$181/YearWashington$249/YearWisconsin$185/YearWest Virginia$244/YearWyoming$142/YearShow more states No matches are found You might find interesting Explore related topics Average homeowners insurance cost in ColoradoBest and cheapest homeowners insurance companies in ColoradoCost of Living in Colorado in 2025How much does condo insurance cost in Colorado in 2025? 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Most Americans don’t 1/1 Related Articles $400K home insurance cost calculator By Zack Sigel Cost of living by state By Chris Kissell Cost of living calculator By Nupur Gambhir How much do claims increase home insurance premiums? By Les Masterson How to file a successful mold claim By Chris Kissell Home and auto insurance bundle: Best companies and rates By Chris Kissell On this page Average renters insurance cost in Colorado per monthAverage renters insurance cost in Colorado by companyAverage cost of renters insurance in Colorado by coverage levelAverage cost of renters insurance in Colorado by cityAverage cost of renters insurance in Colorado by ZIP codeFinal thoughts: Average renters insurance in Colorado ZIP Code Please enter valid ZIP See rates (844) 761-9316