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colorado car insurance

We know you're used to living at elevated altitudes, Centennial State residents, but that doesn't mean your car insurance premiums should be so high they're snowcapped.

In fact, Esurance offers some of the most competitive auto insurance rates in Colorado, along with 24/7 customer service and flexible online policy management.

Break the ice and get to know us by starting a free Colorado car insurance quote. You'll gain instant access to our interactive online tools that make the car insurance process transparent, more affordable, and easy to understand.

Colorado car insurance discounts from Esurance

Good news, Coloradans: we've got a wide array of discounts to help bring your auto insurance premiums closer to sea level. Here's a sampling of our money-saving discounts:

  • Anti-Theft Device discount
  • Claim-Free discount
  • Defensive Driver discount
  • Fast 5® discount
  • Good Student discount
  • Homeowners discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Safety Device discount
  • Multi-Policy discount

Discounts are subject to eligibility. If you're a current policyholder with questions about your Colorado auto discounts, give us a call at 1-800-ESURANCE (1-800-378-7262).

Car insurance coverages in Colorado

Required coverages

Colorado requires its drivers to carry liability insurance with at least the following limits:

  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $15,000 property damage liability coverage per accident

You'll often see these numbers written as 25/50/15. You can choose higher limits to have more coverage when you customize your policy.

Optional coverages

These additional coverages provide you with the extra peace of mind and security you need, while giving you increased financial protection in the event of a claim:

  • CarMatch Rental Coverage®
  • Collision coverage
  • Comprehensive coverage
  • Custom parts and equipment coverage
  • Loan/lease gap coverage
  • Medical and funeral service coverage
  • Towing and labor coverage
  • Uninsured motorist bodily injury coverage
  • Uninsured motorist property damage coverage

How we calculate your Colorado premium

Colorado car insurance companies (like Esurance) can use the following factors to determine your car insurance rates:

  • The coverages, limits, and deductibles that you choose for your policy
  • Accidents and violations within the past 3 to 5 years
  • Marital status, gender, age, and number of years licensed
  • Your insurance score, based on credit and other factors
  • ZIP Code where the vehicle is garaged or parked
  • Your vehicle's year, make, model, and condition
  • Prior insurance history, including number of years insured continuously

Insurance facts and info

No proof of insurance

Keep your auto insurance ID card in your car at all times. Failure to provide proof upon request can result in a 4-point penalty on your driving record, as well as a fine.

Uninsured drivers in Colorado

A recent report from the Insurance Research Council (IRC) found that 15 percent of Colorado drivers are uninsured.

While uninsured and underinsured motorists coverage is optional in your state, it provides financial protection if you're ever in an accident caused by an uninsured or underinsured driver, and it also protects you in the event of a hit-and-run accident.

Car repair shops in Colorado

As an Esurance customer, you can take your damaged car to any body shop. But if you choose a shop in our E-star® network, you can take advantage of RepairView® online repair monitoring and have your repairs guaranteed for as long as the car is yours.

Find a repair shop near you.

Related links

Insurance terms defined
Find out what some of the commonly used car insurance jargon actually means.

Esurance's Coverage Counselor®
We'll help you customize a Colorado car insurance policy to meet your needs.

Wonder if you could be saving on car insurance?

Get your free quote online

or call 1-800-378-7262