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Colorado Home Insurance Estimator โ€” Updated 2026

State abbreviation: CO

Homeowners insurance in Colorado averages $1,440/year, depending on home value, location (wildfire/flood zones), age, and coverage limits. For a home valued at $525,000, you should budget 0.27% of its value annually for insurance. Insurance costs here are near or below the national average.

Colorado Financial Data (2026)

State Tax Rate
4.63%
Property Tax Rate
0.51%
Median Home Price
$525,000
Avg Insurance Cost
$1,440/year
Cost of Living Index
110
State Abbreviation
CO