get a colorado car insurance quote from Esurance

or call 1-800-378-7262

Or call 1-800-378-7262.

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 claims service to help give you the peace of mind you need from your auto insurance company.

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, easy to understand, and just plain smarter.

I've been an Esurance customer for over 10 years now and everything about you guys is convenient and accessible. Even when we moved to another state, the switch over couldn't have been easier.

– Paul, Florida

Esurance was quick, reliable, and easy to communicate with! I'm glad I switched to you guys! You saved me money and I don't plan on going anywhere!

– Maudryanna, North Carolina

The woman who handled my claim was excellent. I made one phone call, sent one email, and three days later I had a check and a resolution to my problem. Keep up the good work.

– Aaron, Virginia

colorado car insurance discounts from Esurance

Good news, Coloradans: whether you live in Denver, Boulder, or beyond, 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 can help 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
  • Comprehensive
  • Custom parts and equipment
  • Auto loan/lease (or "gap")
  • Medical and funeral services payments
  • Towing and labor
  • Uninsured motorist bodily injury
  • Uninsured motorist property damage

Plus, Coverage Counselor®, only from Esurance, provides coverage options to help make sure you only pay for what's right for you — it's protection the smart way.

factors that may affect 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
  • ZIP Code where the vehicle is garaged or parked
  • Your vehicle's year, make, and model
  • Prior insurance history, including number of years insured continuously

insurance facts and info

Proof of insurance in Colorado

We're all human: sometimes we forget to throw our updated ID cards in the glove box. But if you get pulled over, you're not out of luck: Colorado allows drivers to provide electronic proof of car insurance on their smartphones and other devices as appropriate evidence of coverage.

Even better, if you're an Esurance customer, you can access our free mobile app 24/7 for your ID cards, policy documents, and more.

Failure to provide proof of insurance upon request can result in a 4-point penalty on your driving record, as well as a fine.

Uninsured drivers in Colorado

A report from the Insurance Research Council found that 16.2 percent of Colorado drivers were uninsured in 2012, which was above the national average of 12.6 percent.

While uninsured and underinsured motorist 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.

Denver car insurance
Residents of Denver: get the lowdown on an Esurance car insurance policy for your city!

Get a quote to see how surprisingly painless insurance can be

or call 1-800-378-7262

Or speak with a licensed agent at 1-800-378-7262.