Renters Insurance in Colorado — Average Cost 2026
Average renters insurance in Colorado: $295/year ($25/month). Colorado ranks #40 out of 51 states — above the national average.
Average annual
$295
Average monthly
$25
National rank
#40
of 51 states
vs national avg
+12.2%
Colorado vs national average
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Renters insurance in Colorado
Renters in Colorado pay approximately 12% above the national average for renters insurance. At just $25/month for most renters, this is one of the most cost-effective types of insurance available. It covers personal belongings, personal liability, and additional living expenses if your rental becomes uninhabitable.
Most renters insurance policies include $100,000 in personal liability coverage — protection if a guest is injured in your apartment or if you accidentally damage a neighbor's property. Adding renters insurance to an existing auto policy typically triggers a bundling discount that can offset part of the cost.