Average Car, Home & Renters Insurance Cost in Colorado (2026)
These are estimated annual averages for Colorado, drawn from published rate studies. They describe a typical profile — not your policy, and not a price you have been offered.
Colorado at a glance
| Coverage | Estimated annual average | Rank of 51 | Assumes |
|---|---|---|---|
| Car insurance (liability + comp & collision) | $3,221/yr | #46 of 51 | Full coverage: liability + comprehensive + collision |
| Car insurance (state-minimum liability only) | $707/yr | #31 of 51 | State-required minimum liability limits only |
| Home insurance | $4,963/yr | #47 of 51 | $300K dwelling · $300K liability · $1K deductible |
| Renters insurance | $142/yr | #20 of 51 | $30K personal property · $100K liability · $500 deductible |
Estimates derived from public rate data, NerdWallet, 2026 (powered by Quadrant Information Services). Not a quote — your rate will differ. (car insurance)
Estimates derived from public rate data, Insurance.com, 2026. Not a quote — your rate will differ. (home)
Estimates derived from public rate data, NerdWallet, 2026. Not a quote — your rate will differ. (renters)
Rank 1 is the lowest estimated average of the 50 states and the District of Columbia.
How Colorado compares with the national average
- Full-coverage car insurance runs about 38% above the national average of $2,339.
- Home insurance runs about 95% above the national average of $2,543.
- Renters insurance runs about 6% below the national average of $151.
How Colorado compares with neighbouring states
| State | Car (full) | Home | Renters |
|---|---|---|---|
| Colorado | $3,221 | $4,963 | $142 |
| Kansas | $2,565 | $5,260 | $174 |
| Nebraska | $2,109 | $4,553 | $143 |
| New Mexico | $2,280 | $2,869 | $168 |
| Utah | $2,282 | $1,814 | $125 |
Notes on these figures
- Renters figures assume $30K personal property · $100K liability · $500 deductible.
See where you sit
Run the interactive version for Colorado with your line, age band and coverage level — or scan your declarations page and we'll compare your actual premium against these averages.
Open The Going RateNearby states
See every state in the State Guides, or read how CoverageCard grades a policy. Terms used on this page are explained in the Insurance Glossary.