Best homeowners insurance in Colorado (August 23)
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Are you planning to get cheap home insurance in Colorado? What is the cost of average homeowners insurance in Colorado? We analyzed all the insurers to give you an idea of Colorado homeowners insurance!
Key Takeaways
- Homeowners insurance in Colorado costs around $2,424 annually.
- The rate of homeowners insurance in Colorado starts at $1,106 for a year.
- Colorado home insurance rates are high due to wildfires, flooding, and hail.
Colorado homeowners insurance: what you need to know
Colorado homeowners expect to spend more on home insurance than the average American. Colorado homeowners' insurance typically costs $2,424 annually. So, be ready to shell out some dollars if you want to buy homeowners insurance in Colorado.
Home insurance rates in Colorado surged heavily from May 2021 to May 2022. The increase in Colorado home insurance premiums is probably due to growing inflation, a labor shortage, and greater rebuilding expenses following recent natural disasters like wildfires and hailstorms.
But, you needn't worry about the higher rate of homeowners insurance in Colorado. The best way to decrease the rate is by getting multiple quotes from insurers, comparing, and buying the one with the cheapest rate. Keep reading to know about the lowest home insurance rates in Colorado.
What does a homeowners insurance policy cover?
Most standard homeowners insurance in Colorado covers fire, hail, and theft damage. However, always consider adding coverage beyond your typical policy to help safeguard your financial investment in your Colorado property. These are some coverages you can add to your Colorado homeowners insurance.
- Flood insurance: It provides coverage if flooding damages your home's internal structure or personal property. You can contact the National Flood Insurance Program (NFIP) or a private flood insurer to obtain this coverage.
- Musical instrument coverage: Increased coverage for your musical instruments may be beneficial for Colorado homeowners who like music. This optional coverage is provided by numerous property insurers, including Allstate and Nationwide.
- Water backup coverage: Backups in the sump pump and sewer might occur at any time. Although water backup coverage is optional, you should compare its higher cost to the possibility of paying out-of-pocket costs for water damage to your house or belongings.
What isn't covered by a typical homeowners insurance policy?
A typical house insurance policy does not cover floods, earthquakes, sinkholes, power outages, insect and vermin infestations, nuclear threats, war, wear, and tear, or intentional loss. Therefore, it is typically a good idea to carefully check your home insurance policy before purchasing to know what is and is not covered.
The cheapest home insurance companies in Colorado
Though the average homeowner's insurance cost in Colorado is higher than the national average, the insurance policy rate differs by the insurer. With an average yearly rate of $1,106, Owners Insurance Company offers the most affordable home insurance in Colorado, which is lower than the average state rate. Safeco offers the next best option with an average annual rate of $1,191.
Individual premiums may differ depending on your coverage preferences and the cost of the insured property. Before buying a policy, you should thoroughly check the company's track record with customer satisfaction. These are some insurers providing the best homeowners insurance in Colorado.
| Insurer | Average annual rate |
|---|---|
| Owners Insurance Company | $1,106 |
| Safeco | $1,191 |
| Nationwide | $1,302 |
| Great Northern | $1,464 |
| Shelter | $1,906 |
The best homeowner's insurance in Colorado for those with a claim's history
Expect the rate of Colorado home insurance to be higher if you have a history of filing claims frequently. With an average annual rate of $1,205, Auto-Owners offers the most affordable Colorado home insurance for residents with claims history.
| Insurer | Average annual rate |
|---|---|
| Auto-owners | $1,205 |
| Grange | $1,441 |
| Colorado Farm Bureau | $1,734 |
| Shelter | $2,367 |
| Armed Forces Insurance | $2,310 |
The best homeowners insurance in Colorado for newer homes
If your home is new, you'll probably pay less for homeowners insurance in Colorado. Auto-Owners provide the best home insurance in Colorado for newer properties, with a yearly cost of $795.
| Insurer | Average annual rate |
|---|---|
| Auto-Owners | $795 |
| Nationwide | $863 |
| Grange | $1,043 |
| USAA | $921 |
| Armed Forces Insurance | $1,062 |
Homeowners Insurance deductibles in Colorado
When choosing a policy, homeowners have many options, including how high or low to set their deductible. The deductible is the sum the insured must contribute to a covered loss. The choice of deductible can have a significant effect on house insurance rates.
The general rule is that your premium will be higher the lower your deductible is. Therefore, raising your deductible will result in reduced house insurance premiums. However, in a covered loss, you should set your deductible as high as you can afford.
The following are the premiums for deductibles for homeowners' insurance in Colorado.
| Deductible Level | Average annual rate |
|---|---|
| $500 | $2,491 |
| $1,000 | $2,289 |
| $1,500 | $2,123 |
| $2,000 | $2,036 |
| $2,500 | $1,613 |
Colorado home insurance prices by coverage levels
The amount of Colorado homeowners insurance you purchase will affect your premiums. In Colorado, the average cost of carrying $100K in dwelling coverage is $1,345 a year, while the average cost of carrying an extra $400K in coverage is $3,112 annually.
| Dwelling coverage cost | Average annual rate |
|---|---|
| $100,000 | $1,345 |
| $200,000 | $1,818 |
| $250,000 | $2,289 |
| $400,000 | $3,112 |
Colorado Homeowners insurance costs by city
The price of home insurance varies among Colorado's cities. Your ZIP code will significantly impact your rates because they depend on city-specific factors, including the volume of nearby claims. Also, factors like the theft rate in your area can increase the cost of your homeowners insurance in Colorado.
These are some rates of Colorado home insurance based on the city you live.
| City | Average annual rate |
|---|---|
| Acres Green | $3,580 |
| Agate | $3,795 |
| Aguilar | $3,163 |
| Air Force Academy | $3,314 |
| Akron | $4,121 |
| Alamosa | $2,228 |
| Alamosa East | $2,228 |
| Allenspark | $2,592 |
| Alma | $2,097 |
| Almont | $1,645 |
| Amherst | $4,236 |
| Anton | $3,973 |
| Antonito | $1,965 |
| Applewood | $3,203 |
| Arapahoe | $4,485 |
| Arlington | $3,982 |
| Arriba | $4,034 |
| Arvada | $3,069 |
| Aspen | $1,592 |
| Atwood | $4,026 |
| Ault | $2,936 |
| Aurora | $3,386 |
| Austin | $1,649 |
| Avon | $1,542 |
| Avondale | $3,953 |
| Bailey | $2,456 |
| Basalt | $1,503 |
| Battlement Mesa | $1,610 |
| Bayfield | $1,742 |
| Bedrock | $1,665 |
| Bellvue | $2,299 |
| Bennett | $3,502 |
| Berkley | $3,173 |
| Berthoud | $2,378 |
| Bethune | $4,453 |
| Beulah | $3,738 |
| Black Forest | $3,633 |
| Black Hawk | $2,766 |
| Blanca | $2,320 |
| Blende | $4,016 |
| Blue River | $1,637 |
| Boncarbo | $2,856 |
| Bond | $1,618 |
| Boone | $3,787 |
| Boulder | $2,713 |
| Bow Mar | $3,205 |
| Branson | $3,700 |
| Breckenridge | $1,635 |
| Briggsdale | $3,378 |
| Brighton | $3,059 |
| Brookside | $2,555 |
| Broomfield | $2,850 |
| Brush | $4,085 |
| Buena Vista | $1,755 |
| Buffalo Creek | $3,065 |
| Burlington | $4,513 |
| Burns | $1,848 |
| Byers | $3,713 |
| Cahone | $1,653 |
| Calhan | $3,693 |
| Campo | $4,117 |
| Canon City | $2,552 |
| Capulin | $2,034 |
| Carbondale | $1,574 |
| Carr | $3,005 |
| Cascade | $3,307 |
| Castle Pines | $3,315 |
| Castle Pines North | $3,290 |
| Castle Rock | $3,272 |
| Cedaredge | $1,682 |
| Centennial | $3,373 |
| Center | $1,849 |
| Central City | $2,902 |
| Chama | $2,358 |
| Cherry Creek | $3,437 |
| Cherry Hills Village | $3,365 |
| Cheyenne Wells | $4,421 |
| Chromo | $2,092 |
| Cimarron | $1,711 |
| Cimarron Hills | $3,448 |
| Clark | $1,941 |
| Clifton | $1,447 |
| Climax | $2,034 |
| Coal Creek | $2,936 |
| Coaldale | $2,584 |
| Coalmont | $2,069 |
| Collbran | $1,605 |
| Colorado City | $3,572 |
| Colorado Springs | $3,416 |
| Columbine | $3,172 |
| Columbine Valley | $3,220 |
| Commerce City | $3,214 |
| Como | $2,093 |
| Conejos | $2,000 |
| Conifer | $3,074 |
| Cope | $4,075 |
| Copper Mountain | $1,624 |
| Cortez | $1,661 |
| Cory | $2,084 |
| Cotopaxi | $2,562 |
| Cowdrey | $2,075 |
| Craig | $1,658 |
| Crawford | $1,678 |
| Creede | $1,756 |
| Crested Butte | $1,640 |
| Crestone | $2,332 |
| Cripple Creek | $2,675 |
| Crook | $4,064 |
| Crowley | $3,985 |
| Dacono | $2,818 |
| Dakota Ridge | $3,227 |
| De Beque | $1,648 |
| Deer Trail | $3,738 |
| Del Norte | $1,875 |
| Delta | $1,644 |
| Denver | $3,299 |
| Derby | $3,199 |
| Dillon | $1,832 |
| Dinosaur | $1,713 |
| Divide | $2,641 |
| Dolores | $1,706 |
| Dove Creek | $1,637 |
| Dove Valley | $3,470 |
| Drake | $2,456 |
| Dumont | $2,508 |
| Dupont | $3,092 |
| Durango | $1,685 |
| Eads | $4,444 |
| Eagle | $1,555 |
| East Pleasant View | $3,207 |
| Eastlake | $3,109 |
| Eaton | $3,003 |
| Eckert | $1,640 |
| Eckley | $4,425 |
| Edgewater | $3,107 |
| Edwards | $1,525 |
| Egnar | $1,694 |
| El Jebel | $1,582 |
| El Moro | $3,389 |
| Elbert | $3,521 |
| Eldorado Springs | $2,777 |
| Elizabeth | $3,442 |
| Empire | $2,486 |
| Englewood | $3,371 |
| Erie | $2,676 |
| Estes Park | $2,238 |
| Evans | $2,946 |
| Evergreen | $2,993 |
| Fairmount | $3,060 |
| Fairplay | $2,000 |
| Federal Heights | $3,010 |
| Firestone | $2,763 |
| Flagler | $4,122 |
| Fleming | $4,090 |
| Florence | $2,741 |
| Florissant | $2,814 |
| Fort Carson | $3,342 |
| Fort Collins | $2,319 |
| Fort Garland | $2,377 |
| Fort Lupton | $3,127 |
| Fort Lyon | $4,143 |
| Fort Morgan | $4,026 |
| Fountain | $3,429 |
| Fowler | $3,731 |
| Foxfield | $3,446 |
| Franktown | $3,450 |
| Fraser | $2,076 |
| Frederick | $2,709 |
| Frisco | $1,619 |
| Fruita | $1,508 |
| Fruitvale | $1,384 |
| Galeton | $3,171 |
| Garden City | $2,961 |
| Gardner | $2,960 |
| Gateway | $1,612 |
| Genesee | $3,210 |
| Genoa | $3,866 |
| Georgetown | $2,386 |
| Gilcrest | $3,095 |
| Gill | $3,248 |
| Glade Park | $1,586 |
| Glen Haven | $2,407 |
| Glendale | $3,383 |
| Gleneagle | $3,269 |
| Glenwood Springs | $1,650 |
| Golden | $3,098 |
| Granada | $4,268 |
| Granby | $1,992 |
| Grand Junction | $1,387 |
| Grand Lake | $2,035 |
| Grand View Estates | $3,609 |
| Granite | $1,890 |
| Grant | $2,471 |
| Greeley | $2,904 |
| Green Mountain Falls | $3,305 |
| Greenwood Village | $3,356 |
| Grover | $3,348 |
| Guffey | $2,371 |
| Gunbarrel | $2,735 |
| Gunnison | $1,901 |
| Gypsum | $1,553 |
| Hamilton | $1,722 |
| Hartman | $4,210 |
| Hartsel | $2,147 |
| Hasty | $4,458 |
| Haswell | $4,482 |
| Haxtun | $4,097 |
| Hayden | $1,689 |
| Henderson | $3,150 |
| Hereford | $3,409 |
| Hesperus | $1,709 |
| Highlands Ranch | $3,418 |
| Hillrose | $3,993 |
| Hillside | $2,547 |
| Hoehne | $3,880 |
| Holly | $4,320 |
| Holly Hills | $3,291 |
| Holyoke | $4,372 |
| Homelake | $2,219 |
| Hooper | $2,169 |
| Hot Sulphur Springs | $1,954 |
| Hotchkiss | $1,671 |
| Howard | $2,322 |
| Hudson | $3,412 |
| Hugo | $4,026 |
| Hygiene | $2,728 |
| Idaho Springs | $2,414 |
| Idalia | $4,083 |
| Idledale | $2,954 |
| Ignacio | $1,772 |
| Iliff | $3,991 |
| Indian Hills | $3,164 |
| Inverness | $3,460 |
| Jamestown | $2,662 |
| Jaroso | $2,367 |
| Jefferson | $2,395 |
| Joes | $4,133 |
| Johnstown | $3,083 |
| Julesburg | $4,099 |
| Karval | $3,936 |
| Keenesburg | $3,474 |
| Ken Caryl | $3,148 |
| Kersey | $3,235 |
| Keystone | $1,872 |
| Kim | $3,704 |
| Kiowa | $3,461 |
| Kirk | $4,069 |
| Kit Carson | $4,157 |
| Kittredge | $3,023 |
| Kremmling | $1,739 |
| La Jara | $2,055 |
| La Junta | $4,165 |
| La Salle | $3,084 |
| La Veta | $2,835 |
| Lafayette | $2,659 |
| Lake City | $1,639 |
| Lake George | $2,595 |
| Lakewood | $3,142 |
| Lamar | $4,478 |
| Laporte | $2,449 |
| Larkspur | $3,314 |
| Las Animas | $4,260 |
| Lazear | $2,065 |
| Leadville | $1,828 |
| Leadville North | $1,832 |
| Lewis | $1,724 |
| Limon | $3,947 |
| Lincoln Park | $2,553 |
| Lindon | $4,125 |
| Littleton | $3,269 |
| Livermore | $2,378 |
| Lochbuie | $3,018 |
| Log Lane Village | $3,984 |
| Loma | $1,545 |
| Lone Tree | $3,586 |
| Longmont | $2,683 |
| Louisville | $2,760 |
| Louviers | $3,054 |
| Loveland | $2,303 |
| Lucerne | $2,964 |
| Lyons | $2,634 |
| Mack | $1,613 |
| Manassa | $2,258 |
| Mancos | $1,668 |
| Manitou Springs | $3,414 |
| Manzanola | $4,207 |
| Marvel | $1,736 |
| Masonville | $2,303 |
| Matheson | $3,823 |
| Maybell | $1,742 |
| McClave | $4,405 |
| McCoy | $1,598 |
| Mead | $2,776 |
| Meeker | $1,692 |
| Meredith | $1,757 |
| Meridian | $3,524 |
| Merino | $4,195 |
| Mesa | $1,651 |
| Mesa Verde National Park | $1,675 |
| Milliken | $3,150 |
| Minturn | $1,689 |
| Model | $3,776 |
| Moffat | $2,200 |
| Molina | $1,632 |
| Monarch | $2,349 |
| Monte Vista | $1,921 |
| Montrose | $1,582 |
| Monument | $3,361 |
| Morrison | $3,188 |
| Mosca | $2,237 |
| Mount Crested Butte | $1,630 |
| Mountain View | $3,159 |
| Mountain Village | $1,636 |
| Nathrop | $1,829 |
| Naturita | $1,636 |
| Nederland | $2,618 |
| New Castle | $1,686 |
| New Raymer | $3,509 |
| Niwot | $2,762 |
| North Washington | $3,203 |
| Northglenn | $3,067 |
| Norwood | $1,590 |
| Nucla | $1,670 |
| Nunn | $2,998 |
| Oak Creek | $1,724 |
| Ohio City | $1,695 |
| Olathe | $1,600 |
| Olney Springs | $4,164 |
| Ophir | $1,686 |
| Orchard | $3,859 |
| Orchard Mesa | $1,359 |
| Ordway | $4,286 |
| Otis | $4,165 |
| Ouray | $1,628 |
| Ovid | $4,173 |
| Padroni | $3,990 |
| Pagosa Springs | $1,718 |
| Palisade | $1,611 |
| Palmer Lake | $3,338 |
| Paoli | $4,007 |
| Paonia | $1,659 |
| Parachute | $1,610 |
| Paradox | $1,705 |
| Paragon Estates | $2,727 |
| Parker | $3,496 |
| Parlin | $1,669 |
| Parshall | $1,645 |
| Peetz | $4,009 |
| Penrose | $2,847 |
| Perry Park | $3,241 |
| Peyton | $3,658 |
| Phippsburg | $1,692 |
| Pierce | $2,803 |
| Pine | $2,772 |
| Pine Brook Hill | $2,666 |
| Pinecliffe | $2,910 |
| Pitkin | $1,676 |
| Placerville | $1,731 |
| Platteville | $3,002 |
| Pleasant View | $1,698 |
| Poncha Springs | $1,924 |
| Ponderosa Park | $3,444 |
| Powderhorn | $1,634 |
| Pritchett | $4,105 |
| Pueblo | $3,816 |
| Pueblo West | $3,508 |
| Ramah | $3,652 |
| Rand | $2,256 |
| Rangely | $1,686 |
| Red Cliff | $1,709 |
| Red Feather Lakes | $2,295 |
| Redlands | $1,411 |
| Redvale | $1,639 |
| Ridgway | $1,662 |
| Rifle | $1,573 |
| Rockvale | $2,676 |
| Rocky Ford | $4,377 |
| Roggen | $3,406 |
| Rollinsville | $2,710 |
| Romeo | $2,095 |
| Roxborough Park | $3,361 |
| Rush | $3,656 |
| Rye | $3,565 |
| Saguache | $1,829 |
| Salida | $1,787 |
| Salt Creek | $4,020 |
| San Luis | $2,316 |
| Sanford | $2,235 |
| Sargents | $1,977 |
| Security-Widefield | $3,431 |
| Sedalia | $3,210 |
| Sedgwick | $4,014 |
| Seibert | $4,152 |
| Severance | $2,775 |
| Shaw Heights | $3,151 |
| Shawnee | $2,569 |
| Sheridan | $3,246 |
| Sheridan Lake | $4,410 |
| Sherrelwood | $3,218 |
| Silt | $1,636 |
| Silver Plume | $2,389 |
| Silverthorne | $1,605 |
| Silverton | $1,609 |
| Simla | $3,761 |
| Slater | $1,757 |
| Snowmass | $1,623 |
| Snowmass Village | $1,629 |
| Snyder | $4,074 |
| Somerset | $1,658 |
| South Fork | $1,799 |
| Springfield | $3,976 |
| Steamboat Springs | $1,661 |
| Sterling | $4,035 |
| Stonegate | $3,612 |
| Stoneham | $3,631 |
| Strasburg | $3,719 |
| Stratmoor | $3,409 |
| Stratton | $4,472 |
| Sugar City | $4,062 |
| Sugarloaf | $2,636 |
| Superior | $2,764 |
| Swink | $3,967 |
| Tabernash | $1,963 |
| Telluride | $1,631 |
| The Pinery | $3,568 |
| Thornton | $3,081 |
| Timnath | $2,403 |
| Todd Creek | $3,047 |
| Toponas | $1,784 |
| Towaoc | $1,653 |
| Trinchera | $3,662 |
| Trinidad | $3,286 |
| Twin Lakes | $2,557 |
| Two Buttes | $4,220 |
| Upper Bear Creek | $2,948 |
| Usaf Academy | $3,320 |
| Vail | $1,614 |
| Vernon | $4,128 |
| Victor | $2,890 |
| Vilas | $4,075 |
| Villa Grove | $1,864 |
| Vona | $3,958 |
| Walden | $2,035 |
| Walsenburg | $3,102 |
| Walsh | $4,158 |
| Ward | $2,660 |
| Watkins | $3,468 |
| Welby | $3,193 |
| Weldona | $3,874 |
| Wellington | $2,424 |
| West Pleasant View | $3,208 |
| Westcliffe | $2,674 |
| Westminster | $3,032 |
| Weston | $2,817 |
| Wetmore | $2,901 |
| Wheat Ridge | $3,097 |
| Whitewater | $1,632 |
| Wiggins | $3,968 |
| Wild Horse | $4,210 |
| Wiley | $4,438 |
| Windsor | $2,800 |
| Winter Park | $1,972 |
| Wolcott | $1,688 |
| Woodland Park | $2,917 |
| Woodmoor | $3,311 |
| Woodrow | $3,918 |
| Woody Creek | $1,844 |
| Wray | $4,134 |
| Yampa | $1,717 |
| Yellow Jacket | $1,639 |
| Yoder | $3,567 |
| Yuma | $4,507 |
| Fawnskin | $2,364 |
| Fellows | $2,021 |
| Felton | $1,962 |
| Ferndale | $1,709 |
| Fetters Hot Springs-Agua Caliente | $1,536 |
| Fiddletown | $2,119 |
| Fieldbrook | $1,676 |
| Fields Landing | $1,677 |
| Fillmore | $1,625 |
| Finley | $2,122 |
| Firebaugh | $1,810 |
| Fish Camp | $2,063 |
| Five Points | $1,813 |
| Florence-Graham | $2,173 |
| Florin | $1,730 |
| Floriston | $2,131 |
| Flournoy | $2,154 |
| Folsom | $1,661 |
| Fontana | $1,927 |
| Foothill Farms | $1,709 |
| Foothill Ranch | $1,999 |
| Forbestown | $2,108 |
| Ford City | $1,828 |
| Forest Falls | $2,406 |
| Forest Knolls | $1,814 |
| Forest Meadows | $2,225 |
| Forest Ranch | $2,162 |
| Foresthill | $2,110 |
| Forestville | $1,558 |
| Forks Of Salmon | $2,150 |
| Fort Bidwell | $2,072 |
| Fort Bragg | $1,692 |
| Fort Dick | $1,675 |
| Fort Irwin | $2,007 |
| Fort Jones | $2,068 |
| Fort Washington | $1,711 |
| Fortuna | $1,694 |
| Foster City | $1,544 |
| Fountain Valley | $1,769 |
| Fowler | $1,733 |
| Franklin | $1,558 |
| Frazier Park | $1,955 |
| Freedom | $1,695 |
| Fremont | $1,665 |
| French Camp | $1,666 |
| French Gulch | $2,274 |
| French Valley | $1,978 |
| Fresno | $1,787 |
| Friant | $2,000 |
| Fruitdale | $1,478 |
| Fruitridge Pocket | $1,680 |
| Fullerton | $1,770 |
| Fulton | $1,516 |
| Galt | $1,682 |
| Garden Acres | $1,693 |
| Garden Grove | $1,716 |
| Garden Valley | $2,121 |
| Gardena | $2,001 |
| Garnet | $2,117 |
| Gasquet | $1,900 |
| Gazelle | $2,070 |
| Georgetown | $2,172 |
| Gerber | $2,028 |
| Geyserville | $1,689 |
| Gilroy | $1,644 |
| Glen Avon | $1,942 |
| Glen Ellen | $1,626 |
| Glencoe | $2,202 |
| Glendale | $2,049 |
| Glendora | $1,899 |
| Glenhaven | $2,035 |
| Glenn | $1,782 |
| Glennville | $2,111 |
| Gold River | $1,682 |
| Gold Run | $2,141 |
| Golden Hills | $2,097 |
| Goleta | $1,538 |
| Gonzales | $1,646 |
| Good Hope | $2,290 |
| Goodyears Bar | $2,081 |
| Goshen | $1,659 |
| Graeagle | $2,099 |
| Granada Hills | $2,337 |
| Grand Terrace | $2,010 |
| Grangeville | $1,688 |
| Granite Bay | $1,761 |
| Granite Hills | $1,640 |
| Grass Valley | $2,176 |
| Graton | $1,517 |
| Grayson | $1,696 |
| Greeley Hill | $2,110 |
| Green Acres | $2,035 |
| Green Valley | $1,984 |
| Green Valley Lake | $2,290 |
| Greenacres | $1,714 |
| Greenbrae | $1,719 |
| Greenfield | $1,634 |
| Greenhorn | $2,090 |
| Greenview | $2,096 |
| Greenville | $2,208 |
| Greenwood | $2,127 |
| Grenada | $2,040 |
| Gridley | $1,885 |
| Grimes | $1,813 |
| Grizzly Flats | $2,183 |
| Groveland | $2,135 |
| Grover Beach | $1,353 |
| Guadalupe | $1,441 |
| Gualala | $1,797 |
| Guasti | $1,861 |
| Guatay | $2,167 |
| Guerneville | $1,550 |
| Guinda | $1,906 |
| Gustine | $1,586 |
| Hacienda Heights | $1,736 |
| Half Moon Bay | $1,575 |
| Hamilton Branch | $2,126 |
| Hamilton City | $1,802 |
| Hanford | $1,686 |
| Happy Camp | $2,182 |
| Harbison Canyon | $1,686 |
| Harbor City | $1,753 |
| Harmony | $1,420 |
| Hartley | $1,714 |
| Hat Creek | $2,297 |
| Hathaway Pines | $2,182 |
| Hawaiian Gardens | $1,992 |
| Hawthorne | $2,003 |
| Hayfork | $2,236 |
| Hayward | $1,711 |
| Healdsburg | $1,528 |
| Heber | $2,114 |
| Helendale | $2,089 |
| Helm | $1,817 |
| Hemet | $1,974 |
| Herald | $1,738 |
| Hercules | $1,662 |
| Herlong | $2,220 |
| Hermosa Beach | $1,750 |
| Hesperia | $2,195 |
| Hickman | $1,620 |
| Hidden Hills | $2,366 |
| Hidden Meadows | $1,890 |
| Hidden Valley Lake | $2,124 |
| Highgrove | $2,031 |
| Highland | $1,991 |
| Highlands-Baywood Park | $1,532 |
| Hillsborough | $1,532 |
| Hilmar | $1,539 |
| Hilmar-Irwin | $1,533 |
| Hinkley | $2,162 |
| Hollister | $1,642 |
| Holt | $1,689 |
| Holtville | $2,021 |
| Holy City | $1,682 |
| Home Garden | $1,687 |
| Home Gardens | $1,958 |
| Homeland | $2,070 |
| Homestead Valley | $2,109 |
| Homewood | $2,026 |
| Honeydew | $1,801 |
| Hood | $1,662 |
| Hoopa | $1,910 |
| Hopland | $1,937 |
| Hornbrook | $2,189 |
| Hornitos | $1,951 |
| Hughson | $1,572 |
| Humboldt Hill | $1,690 |
| Hume | $2,137 |
| Huntington Beach | $1,774 |
| Huntington Park | $2,062 |
| Huron | $1,764 |
| Hyampom | $2,219 |
| Hydesville | $1,731 |
| Idyllwild-Pine Cove | $2,360 |
| Igo | $2,210 |
| Imperial | $1,999 |
| Imperial Beach | $1,576 |
| Independence | $2,077 |
| Indian Wells | $1,984 |
| Indio | $1,964 |
| Industry | $1,724 |
| Inglewood | $2,205 |
| Interlaken | $1,640 |
| Inverness | $1,766 |
| Inyokern | $1,797 |
| Ione | $2,018 |
| Irvine | $1,836 |
| Irwindale | $1,710 |
| Isla Vista | $1,509 |
| Isleton | $1,659 |
| Ivanhoe | $1,681 |
| Jackson | $2,010 |
| Jacumba | $2,163 |
| Jamestown | $2,097 |
| Jamul | $1,949 |
| Janesville | $2,244 |
| Jenner | $1,535 |
| Johannesburg | $1,966 |
| Jolon | $1,685 |
| Joshua Tree | $2,036 |
| Julian | $2,397 |
| Junction City | $2,285 |
| June Lake | $2,044 |
| Jurupa Valley | $1,959 |
| Kaweah | $1,926 |
| Keeler | $2,199 |
| Keene | $2,184 |
| Kelly Ridge | $2,072 |
| Kelseyville | $2,104 |
| Kennedy | $1,697 |
| Kensington | $1,680 |
| Kentfield | $1,724 |
| Kenwood | $1,627 |
| Kerman | $1,729 |
| Kernville | $2,069 |
| Keswick | $2,155 |
| Kettleman City | $1,770 |
| Keyes | $1,598 |
| King City | $1,680 |
| Kings Beach | $1,974 |
| Kings Canyon National Pk | $2,103 |
| Kingsburg | $1,713 |
| Kirkwood | $2,071 |
| Kit Carson | $2,015 |
| Klamath | $1,727 |
| Klamath River | $2,206 |
| Kneeland | $1,781 |
| Knights Landing | $1,712 |
| Knightsen | $1,662 |
| Korbel | $1,789 |
| Kyburz | $2,166 |
| La Canada Flintridge | $1,869 |
| La Crescenta | $1,985 |
| La Grange | $2,095 |
| La Habra | $1,706 |
| La Habra Heights | $1,725 |
| La Honda | $1,680 |
| La Jolla | $1,596 |
| La Mesa | $1,592 |
| La Mirada | $2,051 |
| La Palma | $1,729 |
| La Presa | $1,616 |
| La Puente | $1,733 |
| La Quinta | $1,941 |
| La Riviera | $1,687 |
| La Selva Beach | $1,734 |
| La Verne | $2,143 |
| Ladera | $1,612 |
| Ladera Heights | $2,112 |
| Ladera Ranch | $2,051 |
| Lafayette | $1,782 |
| Laguna Beach | $1,914 |
| Laguna Hills | $1,974 |
| Laguna Niguel | $2,007 |
| Laguna Woods | $1,928 |
| Lagunitas | $1,807 |
| Lake Almanor Country Club | $2,049 |
| Lake Arrowhead | $2,397 |
| Lake California | $2,128 |
| Lake City | $2,011 |
| Lake Elsinore | $2,162 |
| Lake Forest | $2,012 |
| Lake Hughes | $2,661 |
| Lake Isabella | $2,122 |
| Lake Los Angeles | $2,420 |
| Lake Mathews | $2,302 |
| Lake Nacimiento | $1,451 |
| Lake of the Pines | $2,139 |
| Lake of the Woods | $1,984 |
| Lake San Marcos | $1,691 |
| Lake Wildwood | $2,167 |
| Lakehead | $2,313 |
| Lakeland Village | $2,273 |
| Lakeport | $2,095 |
| Lakeshore | $2,067 |
| Lakeside | $1,789 |
| Lakeview | $2,050 |
| Lakewood | $1,962 |
| Lamont | $1,719 |
| Lanare | $1,777 |
| Lancaster | $2,460 |
| Landers | $2,074 |
| Larkfield-Wikiup | $1,492 |
| Larkspur | $1,714 |
| Las Flores | $1,988 |
| Las Lomas | $1,595 |
| Lathrop | $1,656 |
| Laton | $1,746 |
| Lawndale | $2,027 |
| Laytonville | $1,928 |
| Le Grand | $1,620 |
| Lebec | $2,247 |
| Lee Vining | $1,977 |
| Leggett | $1,941 |
| Lemon Cove | $1,890 |
| Lemon Grove | $1,596 |
| Lemon Hill | $1,706 |
| Lemoore | $1,687 |
| Lemoore Station | $1,689 |
| Lennox | $2,205 |
| Lenwood | $2,093 |
| Lewiston | $2,239 |
| Lexington Hills | $1,704 |
| Likely | $2,070 |
| Lincoln | $1,627 |
| Lincoln Village | $1,679 |
| Linda | $1,817 |
| Linden | $1,720 |
| Lindsay | $1,771 |
| Linnell Camp | $1,606 |
| Litchfield | $2,246 |
| Little Lake | $2,131 |
| Little River | $1,765 |
| Littlerock | $2,504 |
| Live Oak | $1,800 |
| Livermore | $1,512 |
| Livingston | $1,533 |
| Llano | $2,603 |
| Lockeford | $1,695 |
| Lockwood | $1,733 |
| Lodi | $1,661 |
| Loleta | $1,663 |
| Loma Linda | $2,092 |
| Loma Mar | $1,700 |
| Loma Rica | $2,024 |
| Lomita | $1,751 |
| Lompico | $1,998 |
| Lompoc | $1,532 |
| London | $1,794 |
| Lone Pine | $1,984 |
| Long Barn | $2,144 |
| Long Beach | $1,838 |
| Lookout | $2,062 |
| Loomis | $1,787 |
| Los Alamitos | $1,756 |
| Los Alamos | $1,414 |
| Los Altos | $1,451 |
| Los Altos Hills | $1,477 |
| Los Angeles | $2,200 |
| Los Banos | $1,568 |
| Los Gatos | $1,693 |
| Los Molinos | $2,037 |
| Los Olivos | $1,479 |
| Los Osos | $1,322 |
| Los Ranchos | $1,381 |
| Lost Hills | $1,913 |
| Lotus | $2,105 |
| Lower Lake | $2,099 |
| Loyalton | $2,129 |
| Loyola | $1,472 |
| Lucas Valley-Marinwood | $1,621 |
| Lucerne | $2,080 |
| Lucerne Valley | $2,055 |
| Ludlow | $2,241 |
| Lynwood | $2,072 |
| Lytle Creek | $2,421 |
| Macdoel | $2,111 |
| Mad River | $2,102 |
| Madeline | $2,160 |
| Madera | $1,842 |
| Madera Acres | $1,821 |
| Madison | $1,714 |
| Magalia | $2,172 |
| Malibu | $2,464 |
| Mammoth Lakes | $1,918 |
| Manchester | $1,776 |
| Manhattan Beach | $1,728 |
| Manila | $1,648 |
| Manteca | $1,652 |
| Manton | $2,224 |
| March ARB | $2,058 |
| Maricopa | $1,811 |
| Marin City | $1,770 |
| Marina | $1,551 |
| Marina Del Rey | $1,930 |
| Mariposa | $2,045 |
| Markleeville | $2,122 |
| Marshall | $1,821 |
| Martell | $1,942 |
| Martinez | $1,740 |
| Marysville | $1,855 |
| Mather | $1,687 |
| Maxwell | $1,811 |
| Mayfair | $1,837 |
| Mayflower Village | $1,631 |
| Maywood | $2,048 |
| Mc Kittrick | $2,069 |
| McArthur | $2,192 |
| McClellan | $1,737 |
| McClellan Park | $1,707 |
| McCloud | $2,171 |
| McFarland | $1,830 |
| McKinleyville | $1,648 |
| McSwain | $1,536 |
| Mead Valley | $2,214 |
| Meadow Valley | $2,192 |
| Meadow Vista | $2,159 |
| Meadowbrook | $2,240 |
| Mecca | $2,130 |
| Meiners Oaks | $1,621 |
| Mendocino | $1,678 |
| Mendota | $1,783 |
| Menifee | $2,017 |
| Menlo Park | $1,546 |
| Mentone | $2,076 |
| Merced | $1,571 |
| Meridian | $1,793 |
| Mi Wuk Village | $2,098 |
| Mi-Wuk Village | $2,123 |
| Middletown | $2,144 |
| Midpines | $2,096 |
| Midway City | $1,754 |
| Milford | $2,316 |
| Mill Creek | $2,170 |
| Mill Valley | $1,735 |
| Millbrae | $1,563 |
| Millville | $2,261 |
| Milpitas | $1,559 |
| Mineral | $2,170 |
| Minkler | $1,859 |
| Mira Loma | $1,953 |
| Mira Monte | $1,887 |
| Miranda | $1,806 |
| Mission Canyon | $1,613 |
| Mission Hills | $1,862 |
| Mission Viejo | $2,002 |
| Moccasin | $2,026 |
| Modesto | $1,615 |
| Mojave | $1,870 |
| Mokelumne Hill | $2,212 |
| Mono Hot Springs | $2,124 |
| Mono Vista | $2,087 |
| Monrovia | $1,675 |
| Montague | $2,145 |
| Montalvin Manor | $1,677 |
| Montara | $1,574 |
| Montclair | $1,787 |
| Monte Rio | $1,520 |
| Monte Sereno | $1,546 |
| Montebello | $1,887 |
| Montecito | $1,672 |
| Monterey | $1,522 |
| Monterey Park | $1,608 |
| Montgomery Creek | $2,308 |
| Montrose | $1,944 |
| Monument Hills | $1,627 |
| Moorpark | $1,577 |
| Morada | $1,690 |
| Moraga | $1,711 |
| Moreno Valley | $2,063 |
| Morgan Hill | $1,683 |
| Morongo Valley | $2,316 |
| Morro Bay | $1,327 |
| Moss Beach | $1,573 |
| Moss Landing | $1,605 |
| Mount Aukum | $2,152 |
| Mount Hamilton | $1,599 |
| Mount Hermon | $1,938 |
| Mount Laguna | $2,183 |
| Mount Shasta | $2,220 |
| Mount Wilson | $2,113 |
| Mountain Center | $2,481 |
| Mountain Gate | $2,227 |
| Mountain House | $1,647 |
| Mountain Pass | $2,206 |
| Mountain Ranch | $2,242 |
| Mountain View | $1,518 |
| Mountain View Acres | $2,044 |
| Mt Baldy | $2,413 |
| Murphys | $2,224 |
| Murrieta | $2,016 |
| Muscoy | $2,272 |
| Myers Flat | $1,844 |
| Myrtletown | $1,650 |
| Napa | $1,565 |
| National City | $1,581 |
| Navarro | $1,863 |
| Needles | $2,040 |
| Nelson | $2,038 |
| Nevada City | $2,159 |
| New Almaden | $1,613 |
| New Cuyama | $1,567 |
| Newark | $1,658 |
| Newberry Springs | $2,202 |
| Newbury Park | $1,591 |
| Newcastle | $1,922 |
| Newell | $1,984 |
| Newman | $1,615 |
| Newport Beach | $1,811 |
| Newport Coast | $1,843 |
| Nicasio | $1,734 |
| Nice | $2,099 |
| Nicolaus | $1,821 |
| Niland | $2,049 |
| Nipomo | $1,433 |
| Nipton | $2,206 |
| Norco | $2,020 |
| Norden | $2,048 |
| North Auburn | $1,941 |
| North Edwards | $1,822 |
| North El Monte | $1,609 |
| North Fair Oaks | $1,541 |
| North Fork | $2,201 |
| North Highlands | $1,714 |
| North Hills | $2,227 |
| North Hollywood | $2,222 |
| North Lakeport | $2,128 |
| North Palm Springs | $2,233 |
| North Richmond | $1,681 |
| North San Juan | $2,159 |
| North Tustin | $1,763 |
| Northridge | $2,250 |
| Norwalk | $1,993 |
| Novato | $1,641 |
| Nubieber | $2,093 |
| Nuevo | $2,037 |
| O Neals | $2,171 |
| Oak Hills | $2,333 |
| Oak Park | $1,886 |
| Oak Run | $2,274 |
| Oak View | $1,603 |
| Oakdale | $1,620 |
| Oakhurst | $2,170 |
| Oakland | $1,874 |
| Oakley | $1,625 |
| Oakville | $1,554 |
| Oasis | $2,086 |
| OBrien | $2,206 |
| Occidental | $1,523 |
| Oceano | $1,371 |
| Oceanside | $1,658 |
| Ocotillo | $2,171 |
| Oildale | $1,687 |
| Ojai | $1,604 |
| Olancha | $2,149 |
| Old Fig Garden | $1,828 |
| Old Station | $2,269 |
| Olema | $1,721 |
| Olivehurst | $1,817 |
| Olympic Valley | $1,979 |
| Ontario | $1,863 |
| Onyx | $1,968 |
| Orange | $1,803 |
| Orange Cove | $1,924 |
| Orangevale | $1,677 |
| Orcutt | $1,396 |
| Oregon House | $2,233 |
| Orick | $1,750 |
| Orinda | $1,820 |
| Orland | $1,847 |
| Orleans | $1,833 |
| Oro Grande | $2,241 |
| Orosi | $1,760 |
| Oroville | $2,089 |
| Oroville East | $2,110 |
| Oxnard | $1,432 |
| Pacheco | $1,722 |
| Pacific Grove | $1,530 |
| Pacific Palisades | $2,362 |
| Pacifica | $1,595 |
| Pacoima | $2,193 |
| Paicines | $1,811 |
| Pajaro | $1,582 |
| Pala | $2,159 |
| Palermo | $2,069 |
| Palm Desert | $1,981 |
| Palm Springs | $2,189 |
| Palmdale | $2,520 |
| Palo Alto | $1,463 |
| Palo Cedro | $2,249 |
| Palo Verde | $2,271 |
| Palomar Mountain | $2,150 |
| Palos Verdes Estates | $1,762 |
| Palos Verdes Peninsula | $1,763 |
| Panorama City | $2,179 |
| Paradise | $2,178 |
| Paramount | $2,059 |
| Parker Dam | $2,271 |
| Parklawn | $1,605 |
| Parksdale | $1,808 |
| Parkway | $1,716 |
| Parkwood | $1,795 |
| Parlier | $1,734 |
| Pasadena | $1,672 |
| Pasatiempo | $1,756 |
| Paskenta | $2,149 |
| Paso Robles | $1,407 |
| Patterson | $1,648 |
| Patterson Tract | $1,604 |
| Patton | $2,091 |
| Patton Village | $2,230 |
| Pauma Valley | $2,077 |
| Paynes Creek | $2,198 |
| Pearblossom | $2,496 |
| Pebble Beach | $1,539 |
| Pedley | $1,968 |
| Penn Valley | $2,190 |
| Penngrove | $1,475 |
| Penryn | $1,867 |
| Perris | $2,207 |
| Pescadero | $1,684 |
| Petaluma | $1,481 |
| Petrolia | $1,785 |
| Phelan | $2,495 |
| Phillipsville | $1,817 |
| Philo | $1,860 |
| Phoenix Lake | $2,092 |
| Pico Rivera | $1,882 |
| Piedmont | $1,812 |
| Piedra | $1,923 |
| Piercy | $1,944 |
| Pilot Hill | $1,974 |
| Pine Grove | $2,066 |
| Pine Hills | $1,699 |
| Pine Mountain Club | $2,102 |
| Pine Mountain Lake | $2,126 |
| Pine Valley | $2,068 |
| Pinecrest | $2,107 |
| Pinole | $1,646 |
| Pinon Hills | $2,465 |
| Pioneer | $2,085 |
| Pioneertown | $2,350 |
| Piru | $1,671 |
| Pismo Beach | $1,391 |
| Pittsburg | $1,704 |
| Pixley | $1,764 |
| Placentia | $1,816 |
| Placerville | $2,074 |
| Plainview | $1,836 |
| Planada | $1,628 |
| Platina | $2,240 |
| Playa Del Rey | $1,885 |
| Playa Vista | $1,983 |
| Pleasant Grove | $1,795 |
| Pleasant Hill | $1,683 |
| Pleasanton | $1,549 |
| Pleasure Point | $1,687 |
| Plumas Lake | $1,815 |
| Plymouth | $2,065 |
| Point Arena | $1,799 |
| Point Reyes Station | $1,765 |
| Pollock Pines | $2,138 |
| Pomona | $2,101 |
| Pope Valley | $1,709 |
| Poplar-Cotton Center | $1,671 |
| Port Costa | $1,711 |
| Port Hueneme | $1,444 |
| Porter Ranch | $2,304 |
| Porterville | $1,693 |
| Portola | $2,137 |
| Portola Valley | $1,639 |
| Posey | $1,997 |
| Potrero | $2,217 |
| Potter Valley | $1,921 |
| Poway | $1,730 |
| Prather | $2,092 |
| Princeton | $1,826 |
| Proberta | $2,041 |
| Prunedale | $1,619 |
| Quail Valley | $2,142 |
| Quartz Hill | $2,494 |
| Quincy | $2,150 |
| Rackerby | $2,221 |
| Rail Road Flat | $2,215 |
| Rainbow | $2,035 |
| Raisin City | $1,825 |
| Ramona | $2,022 |
| Ranchita | $2,256 |
| Rancho Calaveras | $2,133 |
| Rancho Cordova | $1,667 |
| Rancho Cucamonga | $1,878 |
| Rancho Mirage | $1,988 |
| Rancho Murieta | $1,784 |
| Rancho Palos Verdes | $1,774 |
| Rancho San Diego | $1,656 |
| Rancho Santa Fe | $1,830 |
| Rancho Santa Margarita | $2,061 |
| Randsburg | $1,959 |
| Ravendale | $2,200 |
| Raymond | $2,129 |
| Red Bluff | $2,045 |
| Red Corral | $2,066 |
| Red Mountain | $2,117 |
| Redcrest | $1,826 |
| Redding | $2,182 |
| Redlands | $1,999 |
| Redondo Beach | $1,744 |
| Redway | $1,870 |
| Redwood City | $1,565 |
| Redwood Estates | $1,707 |
| Redwood Valley | $1,910 |
| Reedley | $1,826 |
| Reliez Valley | $1,801 |
| Rescue | $1,954 |
| Reseda | $2,352 |
| Rialto | $1,950 |
| Richgrove | $1,792 |
| Richmond | $1,691 |
| Richvale | $2,036 |
| Ridgecrest | $1,707 |
| Ridgemark | $1,684 |
| Rimforest | $2,513 |
| Rio del Mar | $1,732 |
| Rio Dell | $1,734 |
| Rio Linda | $1,677 |
| Rio Nido | $1,537 |
| Rio Oso | $1,796 |
| Rio Vista | $1,627 |
| Ripley | $2,112 |
| Ripon | $1,633 |
| River Pines | $2,093 |
| Riverbank | $1,595 |
| Riverdale | $1,753 |
| Riverdale Park | $1,615 |
| Riverside | $1,965 |
| Robbins | $1,819 |
| Rocklin | $1,627 |
| Rodeo | $1,673 |
| Rohnert Park | $1,457 |
| Rolling Hills | $1,764 |
| Rolling Hills Estates | $1,763 |
| Rollingwood | $1,675 |
| Rosamond | $1,792 |
| Rose Hills | $1,924 |
| Rosedale | $1,684 |
| Roseland | $1,456 |
| Rosemead | $1,612 |
| Rosemont | $1,690 |
| Roseville | $1,662 |
| Ross | $1,734 |
| Rossmoor | $1,768 |
| Rough And Ready | $2,191 |
| Round Mountain | $2,292 |
| Round Valley | $1,929 |
| Rouse | $1,630 |
| Rowland Heights | $1,848 |
| Rubidoux | $1,953 |
| Rumsey | $1,863 |
| Running Springs | $2,421 |
| Ruth | $2,096 |
| Rutherford | $1,541 |
| Ryde | $1,675 |
| Sacramento | $1,694 |
| Salida | $1,584 |
| Salinas | $1,551 |
| Salton City | $2,108 |
| Salyer | $2,179 |
| Samoa | $1,679 |
| San Andreas | $2,191 |
| San Anselmo | $1,745 |
| San Antonio Heights | $1,863 |
| San Ardo | $1,723 |
| San Bernardino | $2,049 |
| San Bruno | $1,581 |
| San Buenaventura (Ventura) | $1,440 |
| San Carlos | $1,527 |
| San Clemente | $2,019 |
| San Diego | $1,607 |
| San Diego Country Estates | $2,022 |
| San Dimas | $1,949 |
| San Fernando | $2,224 |
| San Francisco | $1,739 |
| San Gabriel | $1,614 |
| San Geronimo | $1,788 |
| San Gregorio | $1,651 |
| San Jacinto | $1,988 |
| San Joaquin | $1,823 |
| San Jose | $1,565 |
| San Juan Bautista | $1,692 |
| San Juan Capistrano | $1,975 |
| San Leandro | $1,710 |
| San Lorenzo | $1,703 |
| San Lucas | $1,700 |
| San Luis Obispo | $1,393 |
| San Luis Rey | $1,838 |
| San Marcos | $1,700 |
| San Marino | $1,594 |
| San Martin | $1,635 |
| San Mateo | $1,535 |
| San Miguel | $1,561 |
| San Pablo | $1,683 |
| San Pasqual | $1,630 |
| San Pedro | $1,747 |
| San Quentin | $1,714 |
| San Rafael | $1,584 |
| San Ramon | $1,723 |
| San Simeon | $1,439 |
| San Ysidro | $1,561 |
| Sanger | $1,873 |
| Santa Ana | $1,737 |
| Santa Barbara | $1,576 |
| Santa Clara | $1,451 |
| Santa Clarita | $2,205 |
| Santa Cruz | $1,757 |
| Santa Fe Springs | $1,960 |
| Santa Margarita | $1,528 |
| Santa Maria | $1,373 |
| Santa Monica | $2,026 |
| Santa Nella | $1,658 |
| Santa Paula | $1,519 |
| Santa Rita Park | $1,708 |
| Santa Rosa | $1,459 |
| Santa Rosa Valley | $1,544 |
| Santa Venetia | $1,623 |
| Santa Ynez | $1,464 |
| Santa Ysabel | $2,169 |
| Santee | $1,675 |
| Saranap | $1,737 |
| Saratoga | $1,510 |
| Saticoy | $1,449 |
| Sausalito | $1,782 |
| Scotia | $1,736 |
| Scott Bar | $2,134 |
| Scotts Valley | $1,925 |
| Sea Ranch | $1,552 |
| Seacliff | $1,727 |
| Seal Beach | $1,734 |
| Searles Valley | $1,992 |
| Seaside | $1,533 |
| Sebastopol | $1,502 |
| Seeley | $2,162 |
| Seiad Valley | $2,233 |
| Selma | $1,717 |
| Sequoia National Park | $1,970 |
| Shackelford | $1,636 |
| Shafter | $1,818 |
| Shandon | $1,423 |
| Shasta | $2,177 |
| Shasta Lake | $2,248 |
| Shaver Lake | $2,129 |
| Shell Ridge | $1,686 |
| Sheridan | $1,691 |
| Sherman Oaks | $2,344 |
| Shingle Springs | $1,950 |
| Shingletown | $2,292 |
| Shoshone | $2,195 |
| Sierra City | $2,213 |
| Sierra Madre | $1,688 |
| Sierraville | $2,216 |
| Signal Hill | $1,750 |
| Silver Lakes | $2,084 |
| Silverado | $2,098 |
| Simi Valley | $1,658 |
| Sky Valley | $2,012 |
| Skyforest | $2,319 |
| Sleepy Hollow | $1,759 |
| Sloughhouse | $1,798 |
| Smartsville | $2,187 |
| Smith River | $1,778 |
| Snelling | $1,710 |
| Soda Springs | $2,061 |
| Solana Beach | $1,655 |
| Soledad | $1,621 |
| Solvang | $1,517 |
| Somerset | $2,150 |
| Somes Bar | $2,147 |
| Somis | $1,496 |
| Sonoma | $1,504 |
| Sonora | $2,091 |
| Soquel | $1,790 |
| Soulsbyville | $2,099 |
| South Dos Palos | $1,544 |
| South El Monte | $1,640 |
| South Gate | $2,058 |
| South Lake Tahoe | $1,946 |
| South Monrovia Island | $1,697 |
| South Oroville | $2,039 |
| South Pasadena | $1,684 |
| South San Francisco | $1,606 |
| South San Gabriel | $1,609 |
| South San Jose Hills | $1,761 |
| South Taft | $1,828 |
| South Whittier | $1,884 |
| Spreckels | $1,569 |
| Spring Valley | $1,739 |
| Spring Valley Lake | $1,998 |
| Springville | $1,914 |
| Squaw Valley | $2,147 |
| Squirrel Mountain Valley | $2,097 |
| St. Helena | $1,674 |
| Stallion Springs | $2,114 |
| Standard | $1,969 |
| Standish | $2,217 |
| Stanford | $1,447 |
| Stanton | $1,711 |
| Stevenson Ranch | $2,223 |
| Stevinson | $1,559 |
| Stewarts Point | $1,534 |
| Stinson Beach | $1,724 |
| Stirling City | $2,140 |
| Stockton | $1,689 |
| Stonyford | $2,067 |
| Storrie | $2,192 |
| Stratford | $1,718 |
| Strathmore | $1,884 |
| Strawberry | $1,700 |
| Strawberry Valley | $2,204 |
| Studio City | $2,274 |
| Sugarloaf | $2,515 |
| Suisun City | $1,645 |
| Sultana | $1,741 |
| Summerland | $1,702 |
| Sun City | $2,001 |
| Sun Valley | $2,179 |
| Sun Village | $2,437 |
| Sunland | $2,247 |
| Sunnyside | $1,700 |
| Sunnyside-Tahoe City | $1,979 |
| Sunnyslope | $1,974 |
| Sunnyvale | $1,452 |
| Sunol | $1,762 |
| Sunset Beach | $1,744 |
| Surfside | $1,796 |
| Susanville | $2,235 |
| Sutter | $1,823 |
| Sutter Creek | $2,084 |
| Sylmar | $2,347 |
| Taft | $1,834 |
| Taft Heights | $1,834 |
| Taft Mosswood | $1,705 |
| Tahoe City | $1,955 |
| Tahoe Vista | $1,965 |
| Tahoma | $2,056 |
| Talmage | $1,873 |
| Tamalpais-Homestead Valley | $1,742 |
| Tara Hills | $1,662 |
| Tarpey Village | $1,709 |
| Tarzana | $2,433 |
| Taylorsville | $2,201 |
| Tecate | $2,151 |
| Tecopa | $2,322 |
| Tehachapi | $2,096 |
| Tehama | $2,086 |
| Temecula | $2,026 |
| Temelec | $1,511 |
| Temescal Valley | $2,247 |
| Temple City | $1,605 |
| Templeton | $1,433 |
| Termo | $2,229 |
| Terra Bella | $1,848 |
| The Sea Ranch | $1,542 |
| Thermal | $2,033 |
| Thermalito | $2,021 |
| Thornton | $1,662 |
| Thousand Oaks | $1,669 |
| Thousand Palms | $2,074 |
| Three Rivers | $2,032 |
| Tiburon | $1,672 |
| Tipton | $1,755 |
| Tollhouse | $2,110 |
| Toluca Lake | $2,232 |
| Tomales | $1,712 |
| Topanga | $2,571 |
| Topaz | $2,244 |
| Toro Canyon | $1,575 |
| Torrance | $1,734 |
| Trabuco Canyon | $2,129 |
| Tracy | $1,692 |
| Tranquillity | $1,818 |
| Traver | $1,791 |
| Travis AFB | $1,667 |
| Tres Pinos | $1,652 |
| Trinidad | $1,744 |
| Trinity Center | $2,225 |
| Trona | $2,020 |
| Truckee | $2,014 |
| Tujunga | $2,282 |
| Tulare | $1,612 |
| Tulelake | $1,989 |
| Tuolumne City | $2,112 |
| Tupman | $2,048 |
| Turlock | $1,543 |
| Tustin | $1,769 |
| Twain | $2,162 |
| Twain Harte | $2,107 |
| Twentynine Palms | $2,006 |
| Twin Bridges | $2,166 |
| Twin Lakes | $1,686 |
| Twin Peaks | $2,412 |
| Ukiah | $1,893 |
| Union City | $1,679 |
| Universal City | $2,226 |
| University of California Davis | $1,567 |
| Upland | $1,796 |
| Upper Lake | $2,052 |
| Vacaville | $1,697 |
| Val Verde | $2,198 |
| Valencia | $2,158 |
| Valinda | $1,740 |
| Valle Vista | $2,031 |
| Vallecito | $2,156 |
| Vallejo | $1,695 |
| Valley Center | $2,079 |
| Valley Ford | $1,507 |
| Valley Springs | $2,135 |
| Valley Village | $2,238 |
| Valyermo | $2,574 |
| Van Nuys | $2,242 |
| Vandenberg AFB | $1,466 |
| Vandenberg Village | $1,532 |
| Venice | $1,941 |
| Ventura | $1,450 |
| Verdugo City | $2,133 |
| Vernalis | $1,831 |
| Vernon | $2,205 |
| Victor | $1,726 |
| Victorville | $2,062 |
| Vidal | $2,249 |
| View Park-Windsor Hills | $2,194 |
| Villa Grande | $1,527 |
| Villa Park | $1,820 |
| Vina | $2,071 |
| Vincent | $1,782 |
| Vine Hill | $1,748 |
| Vineburg | $1,534 |
| Vineyard | $1,704 |
| Vinton | $2,172 |
| Visalia | $1,603 |
| Vista | $1,653 |
| Vista Santa Rosa | $2,034 |
| Volcano | $2,097 |
| Walker | $2,117 |
| Wallace | $2,126 |
| Walnut | $1,852 |
| Walnut Creek | $1,710 |
| Walnut Grove | $1,653 |
| Walnut Park | $2,063 |
| Warm Springs | $2,130 |
| Warner Springs | $2,227 |
| Wasco | $1,876 |
| Washington | $2,165 |
| Waterford | $1,616 |
| Waterloo | $1,705 |
| Watsonville | $1,685 |
| Waukena | $1,792 |
| Wawona | $2,096 |
| Weaverville | $2,224 |
| Weed | $2,119 |
| Weedpatch | $1,717 |
| Weimar | $2,134 |
| Weldon | $1,961 |
| Wendel | $2,222 |
| Weott | $1,808 |
| West Athens | $2,248 |
| West Bishop | $1,925 |
| West Carson | $1,738 |
| West Covina | $1,874 |
| West Goshen | $1,605 |
| West Hills | $2,426 |
| West Hollywood | $2,468 |
| West Menlo Park | $1,542 |
| West Modesto | $1,626 |
| West Park | $1,867 |
| West Point | $2,221 |
| West Puente Valley | $1,724 |
| West Rancho Dominguez | $2,131 |
| West Sacramento | $1,634 |
| West Whittier-Los Nietos | $1,865 |
| Westhaven-Moonstone | $1,720 |
| Westlake Village | $1,823 |
| Westley | $1,711 |
| Westminster | $1,770 |
| Westmont | $2,248 |
| Westmorland | $2,064 |
| Westport | $1,905 |
| Westwood | $2,180 |
| Wheatland | $1,817 |
| Whiskeytown | $2,196 |
| Whitethorn | $1,830 |
| Whitewater | $2,235 |
| Whitmore | $2,327 |
| Whittier | $1,894 |
| Wildomar | $2,220 |
| Williams | $1,816 |
| Willits | $1,944 |
| Willow Creek | $1,894 |
| Willowbrook | $2,221 |
| Willows | $1,760 |
| Wilmington | $1,822 |
| Wilseyville | $2,219 |
| Wilton | $1,720 |
| Winchester | $1,969 |
| Windsor | $1,495 |
| Winnetka | $2,302 |
| Winter Gardens | $1,747 |
| Winterhaven | $2,124 |
| Winters | $1,783 |
| Winton | $1,576 |
| Wishon | $2,184 |
| Witter Springs | $2,054 |
| Wofford Heights | $2,115 |
| Woodacre | $1,760 |
| Woodbridge | $1,662 |
| Woodcrest | $2,055 |
| Woodlake | $1,802 |
| Woodland | $1,627 |
| Woodland Hills | $2,303 |
| Woodside | $1,598 |
| Woodville | $1,618 |
| Woody | $2,100 |
| Wrightwood | $2,464 |
| Yermo | $2,154 |
| Yettem | $1,905 |
| Yolo | $1,648 |
| Yorba Linda | $1,897 |
| Yorkville | $1,849 |
| Yosemite Lakes | $2,162 |
| Yosemite National Park | $2,074 |
| Yountville | $1,503 |
| Yreka | $2,072 |
| Yuba City | $1,813 |
| Yucaipa | $2,175 |
| Yucca Valley | $2,165 |
| Zamora | $1,703 |
| Zayante | $2,002 |
| Zenia | $2,212 |
Home and auto insurance bundling in Colorado
What's the best way by which you can decrease the cost of your Colorado home insurance? If you're buying your home and auto insurance policy from the same insurer, bundling both policies can earn you considerable savings in the rate.
Bundling both policies can get you a discount of nearly $172 on Colorado homeowners insurance rates.
| Average annual rate (without bundling) | Average annual rate (with bundling) | Yearly savings (in $) | Yearly savings (in percent) |
|---|---|---|---|
| $2,424 | $2,252 | $172 | 7.10% |
Home Insurance Discounts in Colorado
Another way to lower the cost of homeowners insurance in Colorado is by taking advantage of the numerous discounts. Insurance companies provide discounts for new home purchases, automatic payments, electronic billing, house modifications, and roof replacement. However, be aware that not all insurers will provide every discount on the market.
Check the discounts that your insurance offers. Also, take advantage of any discounts you are eligible for to reduce your insurance costs.
| Insurer | Bundling Discounts | Loyalty Discounts | Military Discounts | New Home Credit Discounts | Claim-Free Discounts | Protective Devices Discounts |
|---|---|---|---|---|---|---|
| Farmers | ✓ | ✓ | - | ✓ | ✓ | ✓ |
| Allstate | ✓ | ✓ | - | ✓ | ✓ | - |
| State Farm | ✓ | - | - | - | ✓ | ✓ |
| USAA | ✓ | ✓ | ✓ | - | ✓ | ✓ |
| Nationwide | ✓ | - | - | ✓ | ✓ | ✓ |
| Liberty Mutual | ✓ | - | - | - | - | - |
| Progressive | ✓ | - | - | ✓ | - | ✓ |
| Amica | ✓ | - | - | ✓ | ✓ | ✓ |
| Chubb | ✓ | - | - | ✓ | ✓ | ✓ |
| Lemonade | ✓ | ✓ | - | - | ✓ | |
| American Family | ✓ | ✓ | - | ✓ | - | ✓ |
Comparing Common Features Across Top Companies
These are some features that insurers in Colorado have.
| Insurer | Identity Theft Protection | Valuable Possessions | Water Backup | Other Structures Coverage | Dwelling /Personal Property Replacement |
|---|---|---|---|---|---|
| Farmers | Optional | ✓ | No | Optional | Optional |
| Allstate | Optional | Optional | Optional | ✓ | Optional |
| State Farm | Optional | Optional | Optional | ✓ | Optional |
| USAA | ✓ | Optional | No | ✓ | ✓ |
| Nationwide | Optional | Optional | Optional | ✓ | Optional |
| Liberty Mutual | Optional | Optional | Optional | ✓ | Optional |
| Progressive | No | Optional | Optional | ✓ | ✓ |
| Amica | Optional | Optional | Optional | ✓ | Optional |
| Chubb | Optional | Optional | ✓ | ✓ | ✓ |
| Lemonade | No | Optional | Optional | ✓ | ✓ |
| American Family | ✓ | Optional | Optional | ✓ | No |
Common Causes of Home Insurance Claims in Colorado
Wildfires, hail, and flooding are the three main reasons behind home insurance claims in the state.
- Wildfires: In terms of the number of homes in the country at a high risk of wildfire damage, Colorado comes in third. Most house insurance policies cover fire and smoke damage. Still, some insurers may make it difficult for homeowners in high-risk locations to get coverage.
- Hail: In Hail Alley, which includes Colorado, strong hailstorms occur from April through September. Most home insurance policies, less your deductible, will cover hail damage, including damage to your roof.
- Flooding: Most homeowners insurance in Colorado covers flood damage. Your mortgage lender probably requires you to buy flood insurance if you reside in a high-risk area for flooding, like beside a lake or river. But regardless of where you reside, you could be in danger, therefore, it might still be worthwhile to have flood insurance. You can determine the probability of flooding in your location using the flood maps provided by the Federal Emergency Management Agency.
Natural disaster coverage in Colorado
Does homeowners insurance cover hail in Colorado?
Hail is a typical side effect of stormy weather that may cause varying degrees of property damage depending on where you live. Homeowners insurance in Colorado frequently includes hail coverage to protect your home's structure from damage if a hailstorm occurs.
Suppose your home is in a region where hail is common. In that case, it's wise to review the specifics of your homeowners policy to see what's covered and what isn't. For example, some insurers have higher deductibles in hail-prone areas and won't pay for cosmetic damage.
Do homeowners insurance cover tornadoes in Colorado?
With an average of 49 tornadoes yearly in Colorado, it's critical to safeguard your house from tornado damage. First, verify that your Colorado homeowners insurance policy includes windstorm coverage, a fundamental part of any typical homeowners policy. It covers damages caused by tornadoes.
The structures' exterior and general construction gets covered by wind protection. However, based on the type of policy you have, damage to the inside of the structure may get coverage caused by exterior damage, such as a tree branch smashing a window.
Does homeowners insurance cover fires in Colorado?
Yes. Homeowners insurance in Colorado covers fire damage. Therefore, if a fire damages your home, your insurer will pay for the property damage up to the policy limits. In addition, if your house becomes uninhabitable, your homeowners insurance policy may also cover additional living expenses up to your coverage limits. Intentional damage (arson) and damage to an empty home are examples of fire-related damage not covered by your home insurance company.
Does homeowners insurance cover flooding in Colorado?
A lot of residents in Colorado require flood insurance. Unfortunately, Colorado home insurance policies don't cover flooding even after a torrential downpour. You can buy flood insurance via the National Flood Insurance Program (NFIP) or a private insurer to protect your house against flood damage.
Private flood insurance policies may offer various levels of coverage. However, if you buy through the NFIP, you will receive the following coverages.
- Your home's structure - $250,000
- Personal property - $100,000
Factors that Affect Home Insurance Rates in Colorado
Are you planning to buy the best homeowners insurance in Colorado? Then consider these factors before buying one.
- Your location: Areas with high crime rates would have to pay more for homeowners insurance.
- Replacement cost: Your neighborhood's construction materials and labor rate will greatly impact the insurance costs.
- Age/condition: Home insurance premiums for newer homes are less than the older ones.
- Claims history: Homeowners who have a history of filing several claims on their insurance pay higher premiums.
- Credit history: Your credit score is taken into account by several insurance companies. Typically, homeowners with bad credit pay higher premiums.
- Dog breed: If you get a dog that your insurer considers a 'dangerous breed,' be ready to pay a higher Colorado home insurance premium.
Tips for Buying Homeowners Insurance
Are you preparing to purchase Colorado's top homeowners insurance? Then you must follow these tips to purchase the best homeowners insurance in Colorado.
- Assess your rebuilding costs: Analyze your rebuilding costs by finding out how much it will cost to rebuild your home using inexpensive materials and local labor from your insurance agent or a reputable builder.
- Review the advantage of replacement cost over actual cash value: You might want to think about obtaining replacement cost coverage for your home and personal belongings.
- Consider add-on coverage for your expensive items: If you own expensive possessions like high-end electronics, sporting equipment, musical instruments, or even antiques, you may want personal property coverage to protect your investments.
- Evaluate your liability coverage needs: Find out how much liability insurance you require.
- Assess coverage gaps: Some house insurance providers offer extra benefits like higher coverage limits for landscape items like trees and bushes. Let's say a covered incident causes harm to the clients. In that situation, it offers protection by paying for the cost of repairing any sewage or water backup damage.
- Check financial ratings: You may find insurer ratings from companies like AM Best and Standard & Poor's. For instance, certain companies would not let you apply for a mortgage if your insurer doesn't have a minimum 'A' financial strength rating.
- Ask for discounts: Make sure you're utilizing all the discounts available. Suppose your property has certain security features, for example, or you get your home and auto insurance from the same provider. In that case, you will qualify for a discount.
- Compare quotes from multiple insurance companies: The price of a single Colorado home insurance coverage can vary between insurance firms, so shop around and compare quotes. As a result, check homeowners insurance quotes in Colorado from different insurers.
Most Common Disasters in Colorado
Colorado homeowners don't have to deal with a wide range of calamities compared to residents of many other states. However, fires and floods are the state's most frequent and dangerous calamities. In addition, the windy and dry climate of Colorado can contribute to wildfires.
Disasters by month
Colorado's busiest months for declared disasters have been May and June.
| Month | Number of disasters |
|---|---|
| January | 5 |
| February | 0 |
| March | 4 |
| April | 5 |
| May | 11 |
| June | 31 |
| July | 17 |
| August | 5 |
| September | 10 |
| October | 5 |
| November | 3 |
| December | 0 |
Disasters by year
An average of 3.5 officially declared disasters affect Coloradans per year.
| Year | Number of disasters |
|---|---|
| 2001 | 2 |
| 2002 | 19 |
| 2003 | 5 |
| 2004 | 2 |
| 2005 | 2 |
| 2006 | 3 |
| 2007 | 3 |
| 2008 | 3 |
| 2009 | 1 |
| 2010 | 2 |
| 2011 | 3 |
| 2012 | 6 |
| 2013 | 8 |
| 2014 | 0 |
| 2015 | 1 |
| 2016 | 3 |
| 2017 | 0 |
| 2018 | 3 |
| 2019 | 0 |
| 2020 | 5 |
How to Get Colorado Home Insurance with Way.com
So, looking for affordable homeowners insurance in Colorado? One way to get it is by comparing the quotes from various insurers and buying the cheapest one. Are you still looking for a much cheaper home insurance policy?
That's where Way.com can help you. Visit our website or app to obtain affordable Colorado home insurance rates. Visit Way, compare the quotes from all insurers, and get the cheapest one. Do you need additional help? Then our home insurance agents in Colorado can help you. Also, they can help you understand the state's home insurance rules, terms, coverages, and discounts. So if you're seeking cheap home insurance in Colorado, contact one of our agents.
Home Insurance Data Methodology
The home insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
FAQs
What is the average cost of homeowners insurance in Colorado?
On average, homeowners insurance in Colorado costs $2,424 yearly.
Why is homeowners insurance so expensive in Colorado?
The cost of insurance reflects the level of risk. For example, the risk of wildfires, the cost of properties, the density of people, etc., all contribute to higher than normal home insurance premiums in Colorado.
How much is homeowners insurance in Colorado?
Colorado home insurance costs around $2,424 annually.
Who has the best homeowners insurance in Colorado?
With a yearly average rate of $1,106, Owners Insurance Company offers the best homeowners insurance in the state.
What is the cheapest homeowners insurance in Colorado?
Owners Insurance Company offers the cheapest home insurance in Colorado.
Is home insurance required in Colorado?
The state law doesn't mandatee home insurance in Colorado. However, mortgage lenders probably need proof of home insurance coverage before buying a loan.
Does homeowners insurance cover Mold in Colorado?
Only when mold is caused by a 'covered peril' is typically covered by homeowners insurance.
How does the crime rate in my area affect my home insurance in Colorado?
The rate of Colorado home insurance will go high if you live in an area with a high crime rate.
Did homeowners insurance go up in Colorado?
Yes. The home insurance rate in Colorado went up by around 16%-18% in the past year.
Are wildfires covered by home insurance?
Yes. Home insurance in Colorado covers wildfires.
Is flooding covered by home insurance?
No. Colorado home insurance policies don't cover flooding.
Is snow damage covered by home insurance?
Yes. Home insurance in Colorado covers snow damage.
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