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Class 4 Shingle Insurance Discount Calculator

See what you'd save each year on your Colorado homeowners premium by upgrading to Class 4.

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The total annual premium you pay today. Colorado average is $2,000-$3,500.

Every carrier has a slightly different Class 4 discount. Confirm yours with your agent.

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Typical Class 4 premium over standard shingles is $800-$1,800 on a 2,400 sqft roof.

About these discount ranges

Colorado carrier Class 4 discount ranges (mid-point used in calculation):

  • State Farm: 20-30% of dwelling portion
  • Allstate: 15-25%
  • USAA: 20-28%
  • Farmers: 10-25%
  • American Family: 15-20%
  • Liberty Mutual: 10-20%
  • Travelers: 15-25%
  • Safeco: 15-25%

All discounts are ranges. Your actual discount depends on your policy year, region, and the specific Class 4 product installed. Read our full Class 4 shingle guide for the complete breakdown.