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Counties With the Cheapest Homeowners Insurance in Colorado (2026)

Rio Blanco has the lowest homeowners insurance of any county in Colorado, at $2,079, followed by Alamosa and Morgan (data vintage 2022). The full ranking of the top 25 counties is below.

Data updated 2022 - Source: NAIC Homeowners Insurance Report

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Cheapest counties for homeowners insurance in Colorado

Top 25 of 64 counties with data.

Ranked by homeowners insurance cost (NAIC Homeowners Insurance Report, 2022), lowest first.

Cheapest counties for homeowners insurance in Colorado
RankCountyValue
1Rio Blanco$2,079
2Alamosa$2,079
3Morgan$2,079
4Huerfano$2,079
5Broomfield$2,079
6Denver$2,079
7Delta$2,079
8Arapahoe$2,079
9Conejos$2,079
10Garfield$2,079
11Otero$2,079
12Washington$2,079
13Cheyenne$2,079
14Weld$2,079
15Pueblo$2,079
16Rio Grande$2,079
17Park$2,079
18Teller$2,079
19Larimer$2,079
20Sedgwick$2,079
21Elbert$2,079
22Adams$2,079
23Logan$2,079
24Archuleta$2,079
25Kit Carson$2,079

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.

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