How Much Does Home Insurance Cost in Denver, CO?
Average annual homeowners insurance premium. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Typical Cost Range
$1.280 – $4.480
+28% vs national average
$1.280$2.880$4.480
LowNational avg: $2.250High
Denver vs State & National Average
| Category | Denver | Colorado Avg | National Avg |
|---|---|---|---|
| Average cost | $2.880 | $2.849 | $2.250 |
| Low estimate | $1.280 | $2.137 | $1.688 |
| High estimate | $4.480 | $3.704 | $2.925 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Low estimate | $1.000 | $1.200 | |
| Average | $2.025 | $2.475 | |
| High estimate | $2.800 | $3.500 |
Home Insurance in Nearby Cities
Frequently Asked Questions
How much does home insurance cost in Denver?
In Denver, CO, home insurance typically costs between $1.280 and $4.480. The average is $2.880, which is 28% above the national average.
Is Denver expensive for home insurance?
Denver has a cost-of-living index of 128 (100 = national average). Home Insurance costs are 28% higher than the national average of $2.250.
What factors affect home insurance costs in Denver?
Key factors include local labor costs, cost of materials, market competition, Colorado state regulations, and Denver's overall cost of living (index: 128/100). Prices can also vary by season and specific requirements.