Colorado Renters Insurance

Finding a renters insurance policy doesn’t need to be stressful. Compare rates by city and carrier below.

How to find affordable renters insurance in Colorado

Renters insurance may be optional, but it's important. It helps to protect your belongings in the event your rental property sustains damage. A renters policy defends your belongings against smoke or fire damage, a wind storm, theft, vandalism, and a number of other calamities.

There are relatively large gaps in the price of renters insurance by state. Renters rates in US states differ depending on the number and total value of renters insurance claims filed in that particular state, and depend on the value of the belongings insured on the policy.

Getting a renters policy in Colorado is cheaper than the national average. The typical annual renters insurance rate in Colorado is $175, $10 less expensive than the average across the nation.

The best way to acquire an affordable renters insurance policy in Colorado is to compare rates from multiple insurance companies. Get an idea of typical renters insurance rates in Colorado by reviewing the below data. Individual rates may vary depending on coverage options and the value of the items insured.


Colorado renters insurance:
  1. By insurance company
  2. Rates by city
  3. Bundling discounts
  4. FAQs


Renters insurance prices in Colorado by insurance company

Renters insurance rates in Colorado differ based on the insurance company you use. State Farm provides the most affordable renters insurance in Colorado, at only $127 each year. This compares favorably to the state average price of $175, providing a 27% price break on average statewide renters insurance costs.

Start looking for renters insurance by viewing average rates from top Colorado carriers, listed below.

CompanyAverage 12-Month Rate in Colorado
State Farm$127.13


Colorado renters insurance prices by city

Renters insurance rates in Colorado vary depending on the city. Pricing may depend on city-specific variables like the number of claims filed in the immediate area, meaning your ZIP code could have a major impact on how much you pay.

The most affordable renters insurance in Colorado is found in Longmont. The average renters insurance policy in Longmont costs only $164 per year — $11 less than the average Colorado rate. The below table shows the best places to live in Colorado if you’re looking for cheap renters insurance.

CityAverage Yearly Renters Insurance Rate
Fort Collins$164.55
Colorado Springs$180.00


How to save: bundle renters and auto insurance in Colorado

If you're trying to save on insurance, consider purchasing both your car and renters insurance policies from one company. Bundling auto and renters insurance in Colorado can lead to substantial savings on car insurance. Bundling policies in Colorado leads to a yearly discount of $99.

Avg. Yearly Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %

One of the best ways to save on auto insurance is to bundle policies. Start shopping today!


Compare rates from top car insurance companies.

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Colorado renters insurance FAQs


Is renters insurance required in Colorado?

You're not required to carry renters coverage in Colorado unless the building you're renting does. Otherwise, it is an optional (but recommended) coverage.

What does Colorado renters insurance cover?

This may vary based on your individual preferences and your insurance company's coverage options. Usually, it includes coverage for your personal belongings, liability, medical payments to others, and additional living expenses.