Which county in Colorado has the lowest homeowners insurance?

Mesa has the lowest homeowners insurance in Colorado, at $1,581.

What is the homeowners insurance in Mesa?

Mesa is ranked #1 in Colorado for homeowners insurance, at $1,581.

How is this homeowners insurance ranking calculated?

Counties in Colorado are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.

Counties With the Cheapest Homeowners Insurance in Colorado (2026)

Full county table and CSV download: Home insurance by county in Colorado

Cheapest counties for homeowners insurance in Colorado

Top 25 of 64 counties with data.

Ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first.

Cheapest counties for homeowners insurance in Colorado

Rank	County	Value
01	Mesa$1,581 County page
02	Rio Blanco$1,644 County page
03	Montrose$1,665 County page
04	Moffat$1,684 County page
05	Montezuma$1,687 County page
06	Delta$1,781 County page
07	Rio Grande$1,874 County page
08	Conejos$1,908 County page
09	Alamosa$1,954 County page
10	La Plata$2,305 County page
11	Garfield$2,467 County page
12	Fremont$2,495 County page
13	Archuleta$2,524 County page
14	Chaffee$2,563 County page
15	Gunnison$2,568 County page
16	Ouray$2,591 County page
17	Saguache$2,605 County page
18	Lake$2,762 County page
19	Prowers$2,796 County page
20	San Miguel$2,808 County page
21	Custer$2,845 County page
22	Huerfano$2,967 County page
23	Otero$3,079 County page
24	Pueblo$3,126 County page
25	Larimer$3,181 County page

How this ranking works

This page ranks Colorado counties by homeowners insurance cost, sorted so the cheapest places appear first. Click any county to see its housing, schools, crime, and demographics in detail.

For homeowners insurance, a lower value is generally more favorable, so the top of the list is the lowest. Want to weigh homeowners insurance against schools, taxes, commute, and more at once? Use the live map to build a custom match.

Data comes from public sources. Source attribution and the exact data vintage are shown above and on the full map of homeowners insurance cost.

Frequently asked questions

Which county in Colorado has the lowest homeowners insurance?: Mesa has the lowest homeowners insurance in Colorado, at $1,581.
What is the homeowners insurance in Mesa?: Mesa is ranked #1 in Colorado for homeowners insurance, at $1,581.
How is this homeowners insurance ranking calculated?: Counties in Colorado are ranked by homeowners insurance cost (Keys-Mulder escrow dataset (NBER WP 32579), Escrow 2024), lowest first. Values describe the county, not an individual property. Source vintage is shown on the page.