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Best car insurance in Colorado for 2024
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance companies in Colorado
To find the best auto insurance Colorado has to offer, Bankrate’s editorial team reviewed several facets of each carrier, including quoted premiums provided by Quadrant Information Services, coverage offerings and available discounts. We also examined third-party reviews from multiple sources, including overall customer satisfaction from the J.D. Power 2023 U.S. Auto Insurance Study and financial strength ratings from AM Best. Then, we assigned each a Bankrate Score on a five-point scale, indicating the provider’s overall competitiveness relative to other top insurers.
If you are looking for the best auto insurance in Colorado, you may want to consider the following auto insurance carriers: Geico, State Farm, Progressive, American Family and Allstate. Some of them even offer average rates below the Colorado average, which is $2,796 per year for full coverage and $576 for minimum coverage.
Insurance company |
Bankrate Score
|
Average full coverage rate | Average min coverage rate |
---|---|---|---|
4.4
|
$1,615
|
$284
|
|
4.4
|
$3,679
|
$502
|
|
4.3
|
$2,477
|
$571
|
|
4.2
|
$2,615
|
$731
|
|
3.9
|
$3,496
|
$655
|
Geico
Best for discounts
Avg. full coverage premium
$135/mo
Avg. full coverage premium
$1,615/yr
Customer satisfaction
804/1,000
-
Why Geico made our list: Geico is known for offering low premiums, and the company’s average rates in Colorado are no exception. However, it may be worth noting that Geico offers fewer coverage options compared to other major carriers, meaning its policies may be better suited for Colorado drivers seeking basic coverage. Geico offers a generous list of discounts to help you save additional money on your policy, which could make up for its limited add-ons. Overall, Geico has solid third-party ratings, with a Bankrate Score of 4.4 out of 5.0. Additionally, it tied for two 2024 Bankrate Awards: one for Best Auto Insurance Company Overall and one for Best Budget Auto Insurance Company. However, in J.D. Power’s 2023 U.S. Auto Insurance Study, Geico ranked below the industry average in Colorado.
Read full Geico Insurance review
Progressive
Best for streamlined coverage packages
Avg. full coverage premium
$307/mo
Avg. full coverage premium
$3,679/yr
Customer satisfaction
809/1,000
-
Why Progressive made our list: Progressive could be an excellent choice for drivers new to car insurance because of its Name Your Price tool. The Name Your Price tool makes tailoring an affordable coverage package easy — shoppers simply enter their budget and coverage needs, and the Name Your Price tool provides coverage packages based on this information. The company also offers an assortment of product lines in addition to auto insurance, including home insurance, business insurance and even segway insurance. However, Progressive did receive below-industry-average scores from J.D. Power for customer satisfaction. This indicates previous customers may have felt the service they received from Progressive was lacking.
Read full Progressive Insurance review
State Farm
Best for local offices
Avg. full coverage premium
$206/mo
Avg. full coverage premium
$2,477/yr
Customer satisfaction
835/1,000
-
Why State Farm made our list: State Farm remains the largest auto insurer in the U.S. with 16 percent of the market share. The company has hundreds of exclusive local agents throughout Colorado, so if you prefer to handle your insurance needs in person, State Farm may be a good choice. State Farm has online and mobile app capabilities for digital policy management, and it ranked fourth for service in the 2023 J.D. Power U.S. Insurance Digital Experience Study. In addition, State Farm offers a full line of insurance products, including auto, home and life insurance, making it a good option for one-stop insurance shopping. However, companywide customer complaints with the National Association of Insurance Commissioners (NAIC) are higher than baseline, so shoppers may want to read online reviews before deciding to switch.
Read full State Farm Insurance review
American Family
Best for coverage add-ons
Avg. full coverage premium
$218/mo
Avg. full coverage premium
$2,615/yr
Customer satisfaction
Not rated
-
Why American Family made our list: American Family is known for its high-quality customer service, earning the second-highest overall customer satisfaction ranking for the Southwest region in J.D. Power’s customer satisfaction study. Plus, American Family’s auto insurance policies can be personalized, with options like ridesharing coverage, classic car insurance and roadside assistance available to help you tailor coverage to your needs. However, its average rates are higher than some of the other carriers on our list.
Read full American Family Insurance review
Allstate
Best for telematics
Avg. full coverage premium
$291/mo
Avg. full coverage premium
$3,496/yr
Customer satisfaction
801/1,000
-
Why Allstate made our list: Allstate’s Drivewise telematics program may appeal to drivers looking for low rates, as you don’t have to be a policyholder to participate and subpar driving will not negatively impact your premium. Allstate also offers perks you may not find with another company, such as new car replacement, gap insurance and accident forgiveness. However, the company scored below the regional average in the J.D. Power 2023 U.S. Auto Insurance Study. Additionally, NAIC complaints for private passenger auto insurance were just above the baseline and the company as a whole received nearly three times the complaints compared to what’s expected for a company of its size.
Read full Allstate Insurance review
How Bankrate chose the best car insurance companies in Colorado
To find the best auto insurance in Colorado, Bankrate looked at a variety of factors that may be important to consider when choosing a car insurance provider. We started by collecting rate data from Quadrant Information Services to better understand pricing for the top companies.
We also awarded each Colorado auto insurance provider a Bankrate Score with a maximum of 5.0 points. Bankrate Scores are based on factors like financial strength, affordability, customer experience, online and mobile policy management tools, and availability. When comparing auto insurance providers, referencing Bankrate Scores and average rate data may help you identify the car insurance options that are right for you.
Why you can trust Bankrate
Read our full methodologyTo help Colorado drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in Colorado
The best car insurance in Colorado may be different for everyone. Each driver requires specific coverage types that may or may not be available from certain insurers. Some drivers prioritize price, while others value customer service above all else. When you’re deciding which provider will work best, you may want to take into account the following.
New
- In October 2023, the Colorado Supreme Court began hearing a case that could potentially strike down insurance coverage for classic cars. The plaintiff is arguing that uninsured motorist insurance follows the driver, not the vehicle, so they could file a claim for classic cars they also own.
- From 2022 to 2023, Colorado experienced the fifth-highest average full coverage rate increases in the country. Insurance experts point to the rising cost of parts and labor as a contributing factor, along with elevated levels of vehicle theft and poor post-pandemic driving habits.
Related content:
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Colorado?
Colorado drivers pay an average annual premium of $576 for minimum coverage and $2,796 for full coverage, according to April 2024 rate data from Quadrant Information Services. Compared to the nationwide average annual premium of $2,314 for full coverage, Colorado’s average rate is higher. However, minimum coverage in Colorado costs about 17 percent less on average than the national average of $644 per year.
Although many factors contribute to Colorado’s rates, one reason the average cost of full coverage may be higher is the elevated number of fatal accidents in the Centennial State. Since 2011, accidents resulting in death in CO have been trending upward, with 754 incidents in 2022 compared to 400 in 2011. Car thefts have risen here more than in any other state, as well.
As such, insurance in Colorado is unsurprisingly more expensive than insurance in some neighboring states. For example, the average full coverage premium in Utah is $2,036 per year, and Wyoming drivers pay an average of $1,667 per year.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|
Sterling | $2,883 | +3% |
Arriba | $3,020 | +8% |
Fountain | $2,972 | +6% |
Stratton | $3,041 | +8% |
Wild Horse | $2,997 | +7% |
Merino | $2,916 | +4% |
Cope | $3,045 | +9% |
Kirk | $3,045 | +9% |
Lake George | $2,843 | +2% |
Matheson | $3,110 | +11% |
Peyton | $2,928 | +5% |
Simla | $3,013 | +7% |
Victor | $2,824 | +1% |
Colorado Springs | $2,968 | +6% |
Guffey | $2,753 | -2% |
Kit Carson | $2,964 | +6% |
Limon | $3,090 | +10% |
U S A F Academy | $2,869 | +3% |
Pueblo | $3,056 | +9% |
Colorado City | $2,974 | +6% |
Hartman | $3,007 | +7% |
Ordway | $2,937 | +5% |
Rye | $2,984 | +7% |
Eckley | $3,042 | +8% |
Fleming | $2,887 | +3% |
New Raymer | $2,745 | -2% |
Burlington | $2,994 | +7% |
Aurora | $3,131 | +11% |
Steamboat Springs | $2,554 | -9% |
Walden | $2,566 | -9% |
Winter Park | $2,588 | -8% |
Estes Park | $2,481 | -12% |
Fort Collins | $2,433 | -14% |
Laporte | $2,421 | -14% |
Masonville | $2,379 | -16% |
Windsor | $2,578 | -8% |
Eastlake | $2,770 | -1% |
Greeley | $2,615 | -7% |
Silverthorne | $2,512 | -11% |
Erie | $2,563 | -9% |
Fort Lupton | $2,741 | -2% |
Kersey | $2,657 | -5% |
Crook | $2,924 | +4% |
Pinecliffe | $2,640 | -6% |
Niwot | $2,426 | -14% |
Brighton | $2,758 | -1% |
Longmont | $2,535 | -10% |
Gilcrest | $2,612 | -7% |
Nunn | $2,673 | -4% |
Roggen | $2,805 | +0% |
Palisade | $2,163 | -25% |
Dinosaur | $2,539 | -10% |
Hamilton | $2,598 | -7% |
Hayden | $2,562 | -9% |
New Castle | $2,380 | -16% |
Vail | $2,496 | -11% |
Arlington | $2,990 | +7% |
Fort Lyon | $3,380 | +19% |
Chromo | $2,642 | -6% |
Silver Plume | $2,775 | -1% |
Toponas | $2,614 | -7% |
Drake | $2,536 | -10% |
Loveland | $2,378 | -16% |
Mead | $2,543 | -9% |
Denver | $2,990 | +7% |
Model | $2,838 | +2% |
Sheridan Lake | $2,950 | +5% |
Walsh | $2,940 | +5% |
Alamosa | $2,690 | -4% |
Crestone | $2,537 | -10% |
Fruita | $2,114 | -28% |
Meredith | $2,575 | -8% |
Molina | $2,301 | -19% |
Campo | $2,895 | +3% |
Gardner | $2,773 | -1% |
Mc Clave | $2,883 | +3% |
Weston | $2,772 | -1% |
Bayfield | $2,520 | -10% |
Center | $2,452 | -13% |
Chama | $2,581 | -8% |
Wheat Ridge | $2,863 | +2% |
Littleton | $2,689 | -4% |
Beulah | $3,043 | +8% |
Crowley | $2,946 | +5% |
Eads | $2,931 | +5% |
Las Animas | $2,863 | +2% |
Trinchera | $2,732 | -2% |
Vilas | $2,919 | +4% |
Granada | $2,939 | +5% |
Lamar | $2,913 | +4% |
Sugar City | $2,940 | +5% |
Two Buttes | $2,915 | +4% |
Antonito | $2,501 | -11% |
Capulin | $2,495 | -11% |
Del Norte | $2,451 | -13% |
San Luis | $2,588 | -8% |
Boulder | $2,544 | -9% |
Dillon | $2,508 | -11% |
Fraser | $2,546 | -9% |
Idaho Springs | $2,828 | +1% |
Arvada | $2,676 | -4% |
Boone | $3,003 | +7% |
Fowler | $2,906 | +4% |
Swink | $2,969 | +6% |
Larkspur | $2,893 | +3% |
Englewood | $2,843 | +2% |
Johnstown | $2,570 | -8% |
Brush | $2,883 | +3% |
Dolores | $2,573 | -8% |
Montrose | $2,272 | -21% |
Lazear | $2,359 | -17% |
Norwood | $2,590 | -8% |
Grand Junction | $2,113 | -28% |
Stoneham | $2,761 | -1% |
Calhan | $2,931 | +5% |
Cheyenne Wells | $2,965 | +6% |
Seibert | $3,084 | +10% |
Mosca | $2,479 | -12% |
Bellvue | $2,491 | -12% |
Wellington | $2,403 | -15% |
Lucerne | $2,545 | -9% |
Jaroso | $2,578 | -8% |
Pagosa Springs | $2,605 | -7% |
Villa Grove | $2,498 | -11% |
Canon City | $2,528 | -10% |
Crested Butte | $2,488 | -12% |
Ohio City | $2,510 | -11% |
Rockvale | $2,571 | -8% |
Yellow Jacket | $2,565 | -9% |
Georgetown | $2,772 | -1% |
Granby | $2,548 | -9% |
Hot Sulphur Springs | $2,561 | -9% |
Jamestown | $2,713 | -3% |
Leadville | $2,653 | -5% |
Haxtun | $2,957 | +6% |
Peetz | $2,922 | +4% |
Genoa | $3,049 | +9% |
Joes | $3,050 | +9% |
Salida | $2,461 | -13% |
Cimarron | $2,394 | -15% |
Granite | $2,571 | -8% |
Lewis | $2,545 | -9% |
Bedrock | $2,420 | -14% |
Ophir | $2,565 | -9% |
Moffat | $2,565 | -9% |
Cotopaxi | $2,577 | -8% |
Nathrop | $2,477 | -12% |
Pitkin | $2,531 | -10% |
Marvel | $2,568 | -8% |
Mesa Verde National Park | $2,594 | -7% |
La Jara | $2,449 | -13% |
Coaldale | $2,587 | -8% |
Parlin | $2,462 | -13% |
Durango | $2,426 | -14% |
Cortez | $2,519 | -10% |
Hesperus | $2,578 | -8% |
Sanford | $2,446 | -13% |
Gunnison | $2,646 | -6% |
Penrose | $2,620 | -7% |
Egnar | $2,550 | -9% |
Towaoc | $2,578 | -8% |
Cory | $2,278 | -20% |
Crawford | $2,311 | -19% |
Delta | $2,222 | -23% |
Hotchkiss | $2,313 | -19% |
Manassa | $2,482 | -12% |
Florence | $2,565 | -9% |
Twin Lakes | $2,582 | -8% |
Dove Creek | $2,603 | -7% |
Mancos | $2,608 | -7% |
Eckert | $2,264 | -21% |
Nucla | $2,408 | -15% |
Olathe | $2,250 | -22% |
Placerville | $2,562 | -9% |
Hillrose | $2,869 | +3% |
Holyoke | $2,958 | +6% |
Idalia | $3,027 | +8% |
Woodrow | $3,052 | +9% |
Wray | $2,997 | +7% |
Divide | $2,850 | +2% |
Hugo | $3,059 | +9% |
Karval | $2,971 | +6% |
Homelake | $2,495 | -11% |
South Fork | $2,528 | -10% |
Coal Creek | $2,593 | -8% |
Howard | $2,552 | -9% |
Poncha Springs | $2,497 | -11% |
Wetmore | $2,916 | +4% |
Cedaredge | $2,296 | -20% |
Naturita | $2,436 | -14% |
Ridgway | $2,560 | -9% |
Silverton | $2,602 | -7% |
Parachute | $2,365 | -17% |
Mesa | $2,282 | -20% |
Golden | $2,746 | -2% |
Black Hawk | $2,807 | +0% |
Coalmont | $2,625 | -6% |
Loma | $2,137 | -27% |
Avon | $2,502 | -11% |
Maybell | $2,570 | -8% |
Rangely | $2,589 | -8% |
Central City | $2,782 | -0% |
Dumont | $2,802 | +0% |
Como | $2,742 | -2% |
Fairplay | $2,714 | -3% |
Commerce City | $2,906 | +4% |
Broomfield | $2,541 | -10% |
Westminster | $2,772 | -1% |
Deer Trail | $3,071 | +9% |
Elbert | $2,917 | +4% |
Monument | $2,860 | +2% |
Ignacio | $2,510 | -11% |
Monarch | $2,484 | -12% |
Hillside | $2,590 | -8% |
Lake City | $2,565 | -9% |
Cahone | $2,600 | -7% |
Iliff | $2,903 | +4% |
Ovid | $3,004 | +7% |
Hasty | $2,854 | +2% |
Kim | $2,861 | +2% |
Conejos | $2,542 | -9% |
Avondale | $3,029 | +8% |
Branson | $2,822 | +1% |
Springfield | $2,910 | +4% |
Wiley | $2,928 | +5% |
Blanca | $2,524 | -10% |
Creede | $2,452 | -13% |
Fort Garland | $2,539 | -10% |
Aguilar | $2,773 | -1% |
Boncarbo | $2,787 | -0% |
Holly | $2,984 | +7% |
La Veta | $2,765 | -1% |
Manzanola | $2,933 | +5% |
Pritchett | $2,907 | +4% |
Florissant | $2,843 | +2% |
Vona | $3,024 | +8% |
Yoder | $3,077 | +10% |
Buffalo Creek | $2,876 | +3% |
Clark | $2,587 | -8% |
Castle Rock | $2,774 | -1% |
Watkins | $2,921 | +4% |
Franktown | $2,820 | +1% |
Conifer | $2,969 | +6% |
Cowdrey | $2,674 | -4% |
Evergreen | $2,927 | +5% |
Bennett | $2,858 | +2% |
Louviers | $2,742 | -2% |
Strasburg | $2,965 | +6% |
Dupont | $2,858 | +2% |
Lafayette | $2,460 | -13% |
Louisville | $2,470 | -12% |
Palmer Lake | $2,853 | +2% |
Lindon | $2,936 | +5% |
Padroni | $2,895 | +4% |
Paoli | $2,971 | +6% |
Vernon | $3,027 | +8% |
Anton | $3,038 | +8% |
Arapahoe | $2,971 | +6% |
Bethune | $3,021 | +8% |
Rand | $2,655 | -5% |
Allenspark | $2,621 | -6% |
Dacono | $2,690 | -4% |
Lyons | $2,597 | -7% |
Milliken | $2,587 | -8% |
Ault | $2,610 | -7% |
Evans | $2,570 | -8% |
Henderson | $2,792 | -0% |
Keenesburg | $2,780 | -1% |
La Salle | $2,611 | -7% |
Grover | $2,709 | -3% |
Sedgwick | $2,999 | +7% |
Ramah | $3,062 | +9% |
Woodland Park | $2,915 | +4% |
Hereford | $2,685 | -4% |
Otis | $2,979 | +6% |
Manitou Springs | $2,874 | +3% |
Hooper | $2,465 | -13% |
Saguache | $2,492 | -11% |
Almont | $2,455 | -13% |
Westcliffe | $2,766 | -1% |
Redvale | $2,440 | -14% |
Somerset | $2,511 | -11% |
Telluride | $2,573 | -8% |
Yuma | $3,018 | +8% |
Cascade | $2,874 | +3% |
Clifton | $2,150 | -26% |
Gateway | $2,245 | -22% |
Mack | $2,134 | -27% |
Whitewater | $2,155 | -26% |
Basalt | $2,555 | -9% |
Slater | $2,556 | -9% |
Trinidad | $2,735 | -2% |
Walsenburg | $2,776 | -1% |
Carbondale | $2,482 | -12% |
Gill | $2,631 | -6% |
Pierce | $2,617 | -7% |
Akron | $2,986 | +7% |
Rollinsville | $2,785 | -0% |
Berthoud | $2,451 | -13% |
Timnath | $2,487 | -12% |
Weldona | $2,868 | +3% |
Fort Morgan | $2,901 | +4% |
Pine | $2,953 | +5% |
Tabernash | $2,550 | -9% |
Frederick | $2,676 | -4% |
Glen Haven | $2,452 | -13% |
Briggsdale | $2,729 | -2% |
Glenwood Springs | $2,426 | -14% |
Eagle | $2,495 | -11% |
Minturn | $2,521 | -10% |
Silt | $2,362 | -17% |
Woody Creek | $2,562 | -9% |
Bailey | $2,870 | +3% |
Burns | $2,586 | -8% |
Frisco | $2,505 | -11% |
Grand Lake | $2,572 | -8% |
Morrison | $2,821 | +1% |
Yampa | $2,615 | -7% |
Firestone | $2,587 | -8% |
Livermore | $2,592 | -8% |
Hudson | $2,790 | -0% |
Platteville | $2,672 | -5% |
Log Lane Village | $2,899 | +4% |
Amherst | $2,983 | +6% |
Hoehne | $2,776 | -1% |
La Junta | $2,892 | +3% |
Rocky Ford | $2,921 | +4% |
Eaton | $2,564 | -9% |
Galeton | $2,634 | -6% |
Atwood | $2,912 | +4% |
Glade Park | $2,155 | -26% |
Aspen | $2,603 | -7% |
Snowmass Village | $2,605 | -7% |
Craig | $2,585 | -8% |
Gypsum | $2,496 | -11% |
Haswell | $2,935 | +5% |
Olney Springs | $2,948 | +5% |
Snyder | $2,871 | +3% |
Rush | $3,090 | +10% |
Orchard | $2,829 | +1% |
Wiggins | $2,893 | +3% |
Collbran | $2,216 | -23% |
Red Cliff | $2,508 | -11% |
De Beque | $2,211 | -23% |
Edwards | $2,478 | -12% |
Meeker | $2,570 | -8% |
Rifle | $2,350 | -17% |
Parshall | $2,556 | -9% |
Phippsburg | $2,620 | -6% |
Shawnee | $2,827 | +1% |
Hygiene | $2,468 | -12% |
Red Feather Lakes | $2,604 | -7% |
Carr | $2,666 | -5% |
Julesburg | $2,995 | +7% |
Cripple Creek | $2,827 | +1% |
Flagler | $3,031 | +8% |
Green Mountain Falls | $2,884 | +3% |
Byers | $2,986 | +7% |
Elizabeth | $2,861 | +2% |
Kiowa | $2,953 | +5% |
Lone Tree | $2,701 | -3% |
Sedalia | $2,843 | +2% |
Sargents | $2,605 | -7% |
Pleasant View | $2,555 | -9% |
Ouray | $2,564 | -9% |
Paradox | $2,449 | -13% |
Parker | $2,823 | +1% |
Thornton | $2,812 | +1% |
Indian Hills | $2,847 | +2% |
Grant | $2,778 | -1% |
Hartsel | $2,733 | -2% |
Jefferson | $2,797 | +0% |
Climax | $2,640 | -6% |
Empire | $2,761 | -1% |
Oak Creek | $2,619 | -7% |
Alma | $2,737 | -2% |
Bond | $2,585 | -8% |
Eldorado Springs | $2,492 | -11% |
Wolcott | $2,511 | -11% |
Snowmass | $2,605 | -7% |
Monte Vista | $2,421 | -14% |
Romeo | $2,514 | -11% |
Buena Vista | $2,479 | -12% |
Powderhorn | $2,500 | -11% |
Austin | $2,261 | -21% |
Paonia | $2,315 | -19% |
Breckenridge | $2,515 | -11% |
Idledale | $2,808 | +0% |
Kittredge | $2,841 | +2% |
Kremmling | $2,618 | -7% |
Mc Coy | $2,555 | -9% |
Nederland | $2,722 | -3% |
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Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze April 2024 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.