Renters and home insurance rates in Colorado
The NAIC's published average premiums for Colorado by policy form, with Census ACS housing records for every county: renter households, median gross rent and median home value.
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Figures are published averages, never quotes; methodology at the foot of the page.
- average renters premium (HO-4), per year
- $158
- average homeowners premium (HO-3), per year
- $2,079
- renter households
- 783,361
By county
By county
| Denver County | 167,670 | $1,770 | $586,700 |
|---|---|---|---|
| El Paso County | 95,198 | $1,609 | $431,000 |
| Arapahoe County | 88,547 | $1,812 | $526,000 |
| Jefferson County | 70,545 | $1,792 | $604,400 |
| Adams County | 57,572 | $1,713 | $458,400 |
| Larimer County | 54,080 | $1,677 | $532,200 |
| Boulder County | 50,769 | $1,893 | $713,900 |
| Douglas County | 30,265 | $2,095 | $674,000 |
| Weld County | 29,345 | $1,469 | $444,500 |
| Pueblo County | 21,487 | $1,059 | $271,800 |
| Mesa County | 18,146 | $1,154 | $349,400 |
| Broomfield County | 11,568 | $2,074 | $631,600 |
| Garfield County | 6,987 | $1,515 | $490,600 |
| Eagle County | 6,781 | $2,032 | $814,700 |
| La Plata County | 6,738 | $1,409 | $549,100 |
| Montrose County | 4,444 | $1,120 | $357,900 |
| Fremont County | 4,220 | $1,036 | $282,100 |
| Morgan County | 3,850 | $1,092 | $299,300 |
| Summit County | 3,801 | $1,851 | $850,700 |
| Delta County | 2,985 | $1,080 | $318,000 |
| Pitkin County | 2,935 | $1,880 | $1,131,200 |
| Alamosa County | 2,865 | $904 | $218,800 |
| Montezuma County | 2,747 | $974 | $308,100 |
| Gunnison County | 2,613 | $1,191 | $597,200 |
| Logan County | 2,583 | $1,027 | $228,100 |
| Routt County | 2,561 | $1,845 | $756,200 |
| Chaffee County | 2,488 | $1,514 | $598,500 |
| Otero County | 2,379 | $796 | $160,700 |
| Las Animas County | 2,003 | $875 | $214,500 |
| Teller County | 2,002 | $1,746 | $445,000 |
| Rio Grande County | 1,590 | $782 | $215,400 |
| Grand County | 1,526 | $1,451 | $507,200 |
| Moffat County | 1,479 | $1,051 | $262,500 |
| San Miguel County | 1,391 | $1,173 | $613,100 |
| Prowers County | 1,355 | $741 | $150,900 |
| Archuleta County | 1,331 | $1,409 | $451,400 |
| Yuma County | 1,193 | $897 | $215,600 |
| Park County | 1,065 | $1,942 | $489,300 |
| Kit Carson County | 924 | $916 | $221,400 |
| Saguache County | 813 | $746 | $200,000 |
| Conejos County | 793 | $724 | $162,100 |
| Clear Creek County | 787 | $1,230 | $572,800 |
| Lake County | 709 | $1,599 | $401,300 |
| Huerfano County | 644 | $739 | $256,700 |
| Bent County | 636 | $854 | $137,900 |
| Gilpin County | 628 | $1,340 | $512,600 |
| Rio Blanco County | 624 | $924 | $243,400 |
| Washington County | 585 | $991 | $218,300 |
| Lincoln County | 570 | $854 | $232,100 |
| Ouray County | 553 | $1,398 | $670,100 |
| Elbert County | 538 | $1,436 | $664,600 |
| Phillips County | 466 | $947 | $255,300 |
| Crowley County | 456 | $976 | $106,700 |
| Baca County | 448 | $490 | $122,000 |
| Custer County | 351 | $1,021 | $358,800 |
| Costilla County | 338 | $857 | $171,300 |
| Sedgwick County | 277 | $728 | $142,700 |
| Cheyenne County | 205 | $862 | $187,100 |
| Dolores County | 197 | $1,688 | $231,900 |
| Kiowa County | 174 | $869 | $148,600 |
| Jackson County | 170 | $1,484 | $250,000 |
| San Juan County | 161 | $1,076 | $406,900 |
| Mineral County | 114 | $903 | $413,000 |
| Hinsdale County | 96 | $1,099 | $438,800 |
Download the Colorado county-level dataset (CSV), free to reuse with citation.
Sources, citation and related pages
Cite or embed this figure
The average annual renters insurance premium in Colorado was $158 in 2022, across 783,361 renter households recorded in the HomeCover HQ Rates Index (NAIC premiums; Census ACS households).
Cite as: "HomeCover HQ Rates Index: Colorado", updated 2026-08-17, https://homecoverhq.com/rates/colorado/.