$3,139
Colorado county average (2024)
51 of 64
Counties with data
$5,520
Highest: Pitkin
$1,581
Lowest: Mesa
Colorado counties by home insurance cost
All 51 natively covered Colorado counties, most expensive first (Escrow 2024). Click a column header to re-sort. “% of home value” is the annual premium divided by the county median home value.
| 1 | Pitkin | $5,520 | +71% | 0.21% |
| 2 | Douglas | $5,037 | +56% | 0.71% |
| 3 | Elbert | $4,760 | +48% | 0.69% |
| 4 | Phillips | $4,274 | +33% | 1.60% |
| 5 | Summit | $4,181 | +30% | 0.42% |
| 6 | Arapahoe | $4,179 | +30% | 0.81% |
| 7 | Boulder | $4,093 | +27% | 0.56% |
| 8 | Morgan | $4,012 | +25% | 1.20% |
| 9 | Jefferson | $4,002 | +24% | 0.64% |
| 10 | Yuma | $3,817 | +19% | 1.32% |
| 11 | Broomfield | $3,798 | +18% | 0.60% |
| 12 | El Paso | $3,786 | +18% | 0.83% |
| 13 | Kit Carson | $3,681 | +14% | 1.50% |
| 14 | Logan | $3,660 | +14% | 1.41% |
| 15 | Gilpin | $3,644 | +13% | 0.66% |
| 16 | Clear Creek | $3,622 | +13% | 0.64% |
| 17 | Grand | $3,590 | +12% | 0.47% |
| 18 | Eagle | $3,578 | +11% | 0.27% |
| 19 | Denver | $3,577 | +11% | 0.65% |
| 20 | Lincoln | $3,573 | +11% | 1.35% |
| 21 | Teller | $3,531 | +10% | 0.73% |
| 22 | Park | $3,472 | +8% | 0.66% |
| 23 | Adams | $3,412 | +6% | 0.70% |
| 24 | Routt | $3,319 | +3% | 0.29% |
| 25 | Las Animas | $3,299 | +2% | 1.33% |
| 26 | Weld | $3,219 | 0% | 0.65% |
| 27 | Larimer | $3,181 | -1% | 0.57% |
| 28 | Pueblo | $3,126 | -3% | 1.08% |
| 29 | Otero | $3,079 | -4% | 1.92% |
| 30 | Huerfano | $2,967 | -8% | 1.06% |
| 31 | Custer | $2,845 | -12% | 0.67% |
| 32 | San Miguel | $2,808 | -13% | 0.18% |
| 33 | Prowers | $2,796 | -13% | 1.58% |
| 34 | Lake | $2,762 | -14% | 0.53% |
| 35 | Saguache | $2,605 | -19% | 1.02% |
| 36 | Ouray | $2,591 | -20% | 0.32% |
| 37 | Gunnison | $2,568 | -20% | 0.35% |
| 38 | Chaffee | $2,563 | -20% | 0.37% |
| 39 | Archuleta | $2,524 | -22% | 0.44% |
| 40 | Fremont | $2,495 | -22% | 0.73% |
| 41 | Garfield | $2,467 | -23% | 0.34% |
| 42 | La Plata | $2,305 | -28% | 0.33% |
| 43 | Alamosa | $1,954 | -39% | 0.59% |
| 44 | Conejos | $1,908 | -41% | 0.87% |
| 45 | Rio Grande | $1,874 | -42% | 0.57% |
| 46 | Delta | $1,781 | -45% | 0.43% |
| 47 | Montezuma | $1,687 | -48% | 0.40% |
| 48 | Moffat | $1,684 | -48% | 0.55% |
| 49 | Montrose | $1,665 | -48% | 0.36% |
| 50 | Rio Blanco | $1,644 | -49% | 0.49% |
| 51 | Mesa | $1,581 | -51% | 0.36% |
Free to reuse with attribution (CC BY 4.0).
Methodology
Each county figure is the median annual homeowners insurance payment for owner-occupied homes with a mortgage escrow account, from data compiled by Benjamin Keys and Philip Mulder in NBER Working Paper 32579 (premiums through 2024). The Colorado average is a simple mean of the covered counties.
Escrow data reflects mortgaged, owner-occupied homes, so a few counties can be absent, and we publish only counties with a natively measured value. For the full methodology and the national picture, see the national home insurance by county report.
Cite or reuse this data
This dataset is offered under a Creative Commons Attribution 4.0 license (CC BY 4.0). Journalists and researchers are free to reuse the tables and the CSV in stories, charts, and reports, including commercially, as long as HearthMap is credited with a link. See the license page and the press kit.
Suggested citation
HearthMap, "Homeowners Insurance Costs by County in Colorado (2024)," https://hearthmap.app/home-insurance-by-county/colorado. Based on Keys and Mulder, NBER Working Paper 32579.
Home insurance in Colorado: frequently asked questions
- What is the average cost of homeowners insurance in Colorado?
- The average homeowners insurance premium in Colorado was $3,139 per year in 2024, a simple mean across the 51 counties with mortgage-escrow data (Keys-Mulder, NBER Working Paper 32579).
- Which Colorado county has the cheapest home insurance?
- Mesa had the lowest average homeowners insurance premium in Colorado at $1,581 per year in 2024.
- Which Colorado county has the most expensive home insurance?
- Pitkin had the highest average homeowners insurance premium in Colorado at $5,520 per year in 2024.
- How many Colorado counties are in this dataset?
- 51 of 64 Colorado counties have a natively measured premium from mortgage-escrow data. Counties without enough escrowed mortgages are not shown.
Related
- Cheapest counties for home insurance in Colorado
- Home insurance by county, nationwide
- Interactive map of homeowners insurance cost
- Colorado cost of living, schools & demographics
Home insurance by county in other states:
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