Insurance Costs in Fort Collins, CO
Auto insurance in Fort Collins averages $1,869 per year for full coverage, which is higher than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Fort Collins, CO: What You Need to Know
Fort Collins residents pay an average of $1,869 per year for full coverage auto insurance, which is 12.0% below the Colorado state average and 11.6% above the national average.
With a population of 169,810, Fort Collins is a mid-size city in Colorado. Moderate traffic and relatively lower accident rates help keep insurance costs manageable.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $1,869 | $156 |
| Standard Coverage (50/100/50) | $1,533 | $128 |
| State Minimum (25/50/15) | $785 | $65 |
Homeowners Insurance in Fort Collins, CO
The average cost of homeowners insurance in Fort Collins is $2,708 per year ($226/month), which is 48.8% above the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Fort Collins, CO
Renters insurance in Fort Collins averages $228 per year ($19/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Colorado Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Denver | $2,443/yr | $3,079/yr |
| Colorado Springs | $2,018/yr | $3,364/yr |
| Aurora | $2,379/yr | $2,908/yr |
| Lakewood | $2,230/yr | $2,851/yr |
| Thornton | $2,230/yr | $2,708/yr |
| Arvada | $2,082/yr | $2,794/yr |
| Westminster | $2,166/yr | $2,708/yr |
| Pueblo | $2,294/yr | $2,338/yr |
How to Save on Insurance in Fort Collins
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Fort Collins can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Fort Collins, CO?
The average cost of car insurance in Fort Collins, CO is $1,869 per year for full coverage, or about $156 per month. Minimum coverage costs around $785 per year.
Is car insurance expensive in Fort Collins?
Yes, car insurance in Fort Collins is above both the state and national averages.
How much is home insurance in Fort Collins?
Homeowners insurance in Fort Collins costs an average of $2,708 per year. Your actual cost depends on your home's value, age, construction type, and specific location.