Golden, Colorado, is a historic and vibrant city located in the foothills of the Rocky Mountains, with a population of around 20,000 residents. Nestled in Jefferson County, Golden is known for its rich history, beautiful mountain views, and active outdoor lifestyle. The city features several charming neighborhoods, including Applewood, North Table Mountain, and Downtown Golden, spanning key zip codes like 80401, 80403, and 80419. Golden offers a diverse range of housing options, from historic homes to modern residences, making it an ideal place for families, young professionals, and retirees.
Conveniently located along U.S. Highway 6 and State Highway 93, Golden provides easy access to Denver and other nearby mountain communities. The city is surrounded by stunning natural landscapes, including Clear Creek, North Table Mountain, and Lookout Mountain, providing abundant opportunities for hiking, biking, and rock climbing. Golden’s downtown area is known for its rich history, highlighted by landmarks like the Colorado School of Mines and Coors Brewery, along with local shops, restaurants, and community events that create a lively atmosphere in this picturesque mountain town.
Castle Rock Insurance, an independent insurance broker, offers Golden residents personalized coverage solutions tailored to their unique needs. Partnering with leading carriers like Safeco, Liberty Mutual, Progressive, and Nationwide, Castle Rock Insurance provides a variety of options, including homeowners, renters, and auto insurance. As an independent broker, Castle Rock Insurance can shop multiple carriers, ensuring Golden residents receive the best coverage at competitive rates. With local expertise and a deep understanding of the Golden community, Castle Rock Insurance is committed to delivering customized insurance solutions that bring peace of mind to individuals and families throughout this historic and scenic city.
How Much Does Insurance Cost in Golden?
In Golden, Colorado, insurance costs vary depending on the policyholder’s needs and the selected insurance provider. Below are the average rates for common types of insurance in 2024:
1. Auto Insurance
The average cost for full coverage auto insurance in Golden is about $1,400 to $2,100 per year, with premiums influenced by factors such as the driver’s age, driving history, and vehicle type.
2. Home Insurance
Homeowners in Golden typically pay between $1,500 and $2,400 per year, with rates depending on the home’s value, location, and the coverage selected.
3. Renters Insurance
Renters insurance in Golden generally costs around $130 to $250 per year, depending on the amount of personal property coverage and any additional liability protection needed.
4. Condominium Insurance
Condo insurance in Golden averages $300 to $550 per year, depending on the size of the condo and the coverage needed for personal belongings and liability protection.
5. High-Value Home Insurance
For homes valued at $1 million or more, high-value home insurance premiums in Golden range from $3,500 to $6,000 per year, with rates influenced by factors such as home location, security features, and customized coverage options.
If you’re looking for personalized insurance advice and quotes, consider reaching out to a local Colorado-based insurance broker like Castle Rock Insurance to get coverage tailored to your specific needs.
Get an Insurance Quote to Stay Protected in Golden
Castle Rock Insurance is a reliable choice for Golden residents seeking personal and residential insurance coverage. As a local, independent broker, Castle Rock Insurance partners with over 20 personal and residential carriers to offer a wide range of policy options. With discounts available for bundling insurance policies, mature drivers, homes with security systems, and vehicles equipped with anti-theft devices, Castle Rock Insurance ensures Golden residents receive customized, affordable insurance solutions to meet their unique needs.
