Nebraska vs Colorado: Where Home Insurance Costs More
Home Insurance in Nebraska ($6,015/yr) vs Colorado ($3,910/yr) — a 42% gap between neighbors, explained with July 2026 data.
Nebraska and Colorado share a border, but for home insurance they don't share much else: Nebraska averages $6,015/yr (rank #50 of 51) and Colorado averages $3,910/yr (rank #42) as of July 2026 — a 42% gap. Insurance is regulated state by state, so each side of the line is its own market.
| Nebraska | Colorado | U.S. average | |
|---|---|---|---|
| Annual premium ($400K dwelling) | $6,015/yr | $3,910/yr | $2,490/yr |
Nebraska in context
Nebraska is one of the most expensive states for home insurance, ranking #50 of 51 at $6,015/yr — about 142% above the national average of $2,490/yr.
Colorado in context
Colorado is one of the most expensive states for home insurance, ranking #42 of 51 at $3,910/yr — about 57% above the national average of $2,490/yr.
Full local breakdowns: Nebraska · Colorado · all states ranked.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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