Ouray, Colorado, is a picturesque mountain town known as the “Switzerland of America,” with a population of about 1,000 residents. Nestled in Ouray County, this charming community is famous for its stunning alpine scenery, rich mining history, and welcoming atmosphere. The town features several beautiful neighborhoods, such as Oak Street, Skyrocket, and Whispering Pines, all within the key zip code 81427. Ouray offers a mix of historic Victorian homes, cozy mountain cabins, and scenic properties, making it an ideal place for families, retirees, and those seeking an authentic mountain lifestyle.

Located along U.S. Highway 550, also known as the Million Dollar Highway, Ouray is surrounded by the majestic peaks of the San Juan Mountains. This scenic location provides access to incredible outdoor activities, including hiking, ice climbing, and soaking in the famous Ouray Hot Springs. The town’s downtown area features historic buildings, local shops, and restaurants that reflect its mining heritage and small-town charm. Ouray is also known for its festivals and events, which bring the community together and celebrate its rich culture and stunning surroundings.

Castle Rock Insurance, an independent insurance broker, offers Ouray residents personalized coverage solutions tailored to their unique needs. Partnering with leading carriers such as Safeco, Liberty Mutual, Progressive, and Nationwide, Castle Rock Insurance provides a variety of insurance options, including homeowners, renters, and auto insurance. As an independent broker, Castle Rock Insurance can shop multiple carriers to ensure Ouray residents receive the best coverage at competitive rates. With local expertise and a deep understanding of Ouray’s community needs, Castle Rock Insurance is committed to delivering customized insurance solutions that provide peace of mind to individuals and families in this beautiful mountain town.

How Much Does Insurance Cost in Ouray?

In Ouray, Colorado, insurance costs vary depending on the policyholder’s needs and the chosen 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 Ouray is about $1,400 to $2,100 per year, with premiums influenced by factors such as the driver’s age, driving history, and the type of vehicle insured.

2. Home Insurance

Homeowners in Ouray typically pay $1,500 to $2,300 per year for home insurance, with rates depending on the home’s value, location, and selected coverage options.

3. Renters Insurance

Renters insurance in Ouray generally costs around $130 to $240 per year, depending on the amount of personal property coverage and any additional liability protection needed.

4. Condominium Insurance

Condo insurance in Ouray averages $300 to $500 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 Ouray range from $3,500 to $5,500 per year, with costs influenced by factors such as home location, security features, and the level of customized coverage required.

For specific insurance advice and personalized quotes, it’s recommended to contact 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 Ouray

Castle Rock Insurance is a reliable choice for Ouray residents seeking personal and residential insurance coverage. As a local, independent broker, they work with over 20 personal and residential carriers to provide a variety of policy options. With discounts available for bundling policies, mature drivers, homes with security systems, and vehicles equipped with anti-theft devices, Castle Rock Insurance ensures Ouray residents receive customized, affordable insurance solutions that meet their unique needs.