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.
"The customer staff are very caring. They answer questions promptly and have helped in all my inquiries."
— Linda K.
"Beat all other pricing while not making me sacrifice my personalized coverage."
— Douglas F.
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:
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).
Colorado requires its drivers to carry liability insurance with at least the following limits:
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.
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:
Plus, CoverageMyWay®, 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.
Colorado car insurance companies (like Esurance) can use the following factors to determine your car insurance rates:
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.
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.
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.
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