Buy Cheap Grand Junction, CO Auto Insurance (2021)

Grand Junction, CO auto insurance rates average $277 a month. Minimum auto insurance requirements in Grand Junction, Colorado are 25/50/15 to comply with Colorado laws. To buy cheap auto insurance in Grand Junction, CO, compare Grand Junction auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Grand Junction, CO are $277/month
  • Average auto insurance rates in Grand Junction, CO for teens drivers are $6,481/year
  • The most expensive auto insurance company in Grand Junction after a DUI is Allstate

Finding affordable Grand Junction, Colorado auto insurance can be challenging, but everything you need to know to buy cheap Grand Junction, CO auto insurance with confidence is right here. Auto insurance rates in Grand Junction are affected by local factors as well as personal ones like your driving record.

See how Grand Junction, CO car insurance rates compare to Colorado Springs auto insurance rates, Lakewood auto insurance rates, and Denver auto insurance rates before you read more about the cost of auto insurance in Grand Junction.

Don’t buy Grand Junction, CO auto insurance until you’ve compared rates. Get free Grand Junction, Colorado auto insurance quotes when you enter your ZIP code above.

Grand Junction, CO Minimum Auto Insurance Requirements

The required auto insurance in Grand Junction, CO is 25/50/15 according to the auto insurance laws in Colorado. The minimum auto insurance in Grand Junction, Colorado is outlined here.

Minimum Required Auto Insurance Coverage in Grand Junction, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap Grand Junction, CO Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Grand Junction, CO. Take a look at Grand Junction, Colorado auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Grand Junction, Colorado

Insurance Company Poor Fair Good
Allstate $6,977 $5,379 $4,067
American Family $4,286 $3,069 $2,577
Farmers $5,066 $4,108 $3,901
GEICO $2,611 $2,179 $1,747
Liberty Mutual $3,404 $2,095 $1,671
Nationwide $3,525 $2,806 $2,447
Progressive $4,001 $3,428 $3,156
State Farm $3,832 $2,463 $1,986
USAA $4,395 $2,509 $2,013

Buy Cheap Grand Junction, CO Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Grand Junction, Colorado auto insurance rates? Find out how car insurance rates in Grand Junction, CO are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Grand Junction, Colorado

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,331 $3,104 $2,985 $3,019 $11,703 $12,282 $3,670 $3,704
American Family $2,265 $2,265 $2,048 $2,048 $5,469 $7,360 $2,265 $2,769
Farmers $2,541 $2,512 $2,304 $2,492 $9,689 $9,721 $2,793 $2,813
GEICO $1,373 $1,506 $1,452 $1,643 $4,322 $4,589 $1,260 $1,286
Liberty Mutual $1,566 $1,519 $1,330 $1,462 $4,807 $5,248 $1,585 $1,604
Nationwide $1,952 $1,982 $1,754 $1,845 $4,935 $6,278 $2,246 $2,417
Progressive $2,135 $1,995 $1,875 $1,865 $7,382 $8,244 $2,401 $2,333
State Farm $1,700 $1,700 $1,540 $1,540 $5,054 $6,370 $1,909 $2,271
USAA $1,994 $1,994 $1,900 $1,905 $4,967 $5,683 $2,557 $2,781

Buy Cheap Grand Junction, CO Auto Insurance for Teen Drivers

Auto insurance for teenagers in Grand Junction can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Grand Junction, CO are listed here.

Annual Auto Insurance Rates for Teen Drivers in Grand Junction, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,703 $12,282
American Family $5,469 $7,360
Farmers $9,689 $9,721
GEICO $4,322 $4,589
Liberty Mutual $4,807 $5,248
Nationwide $4,935 $6,278
Progressive $7,382 $8,244
State Farm $5,054 $6,370
USAA $4,967 $5,683

Buy Cheap Grand Junction, CO Auto Insurance for Seniors

You can save on senior auto insurance rates in Grand Junction, Colorado by comparing Grand Junction senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Grand Junction, CO here.

Annual Auto Insurance Rates for Senior Drivers in Grand Junction, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,985 $3,019
American Family $2,048 $2,048
Farmers $2,304 $2,492
GEICO $1,452 $1,643
Liberty Mutual $1,330 $1,462
Nationwide $1,754 $1,845
Progressive $1,875 $1,865
State Farm $1,540 $1,540
USAA $1,900 $1,905

Find Cheap Auto Insurance Rates in Grand Junction, CO by Coverage Level

The amount of coverage you choose is a big factor in the cost of Grand Junction, Colorado auto insurance. Compare Grand Junction, CO auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Grand Junction, Colorado

Insurance Company Low Medium High
Allstate $5,247 $5,460 $5,718
American Family $3,131 $3,381 $3,421
Farmers $3,809 $4,295 $4,970
GEICO $1,986 $2,146 $2,405
Liberty Mutual $2,255 $2,382 $2,534
Nationwide $2,909 $2,928 $2,941
Progressive $3,256 $3,540 $3,790
State Farm $2,567 $2,762 $2,952
USAA $2,842 $2,972 $3,104

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Find Cheap Grand Junction, CO Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Grand Junction. Compare auto insurance rates in Grand Junction, CO by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Grand Junction, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,475 $5,475
American Family $3,240 $3,382
Farmers $4,358 $4,358
GEICO $2,136 $2,222
Liberty Mutual $2,390 $2,390
Nationwide $2,926 $2,926
Progressive $3,529 $3,529
State Farm $2,693 $2,828
USAA $2,889 $3,056

Find Cheap Grand Junction, CO Auto Insurance Rates by ZIP Code

Auto insurance rates in Grand Junction, Colorado can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Grand Junction, CO to see how much where you live in Grand Junction affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Grand Junction, Colorado

ZIP Code Average Annual Rates
81501 $3,062
81503 $3,086
81504 $3,039
81505 $3,048
81506 $3,094
81507 $3,056

Find Cheap Grand Junction, CO Auto Insurance Rates by Driving Record

Auto insurance rates in Grand Junction, Colorado are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Grand Junction, CO, take a look at the average cost for various violations versus rates for a clean driving record in Grand Junction.

Annual Grand Junction, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,641 $5,349 $6,620 $5,288
American Family $2,447 $3,489 $4,535 $2,773
Farmers $3,674 $4,733 $4,673 $4,352
GEICO $1,542 $2,389 $2,788 $1,998
Liberty Mutual $2,100 $2,452 $2,539 $2,469
Nationwide $2,267 $3,072 $3,877 $2,488
Progressive $3,058 $4,281 $3,224 $3,552
State Farm $2,528 $2,993 $2,760 $2,760
USAA $2,176 $2,648 $4,616 $2,450

Find Cheap Grand Junction, CO Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Grand Junction, Colorado is higher than for a clean driving record. You can buy auto insurance after a DUI in Grand Junction for less when you shop around and compare rates from multiple Grand Junction, CO auto insurance companies.

Annual Auto Insurance Rates After a DUI in Grand Junction, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,620
American Family $4,535
Farmers $4,673
GEICO $2,788
Liberty Mutual $2,539
Nationwide $3,877
Progressive $3,224
State Farm $2,760
USAA $4,616

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Winners by Category: Where to Buy Cheap Auto Insurance in Grand Junction, CO

Compare rates from the cheapest auto insurance companies in Grand Junction, CO for your needs. Take a look at how Grand Junction, Colorado auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Grand Junction, Colorado

Category Insurance Company
Teenagers GEICO
Seniors Liberty Mutual
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Liberty Mutual
With 1 Speeding Violation GEICO

Find Cheap Grand Junction, Colorado Auto Insurance Companies

If you’re looking for the cheapest Grand Junction, CO auto insurance companies overall, you can compare them here. Find the best price for Grand Junction, Colorado car insurance by company.

Average Annual Auto Insurance Rates by Company in Grand Junction, Colorado

Insurance Company Average Annual Rates
Allstate $5,475
American Family $3,311
Farmers $4,358
GEICO $2,179
Liberty Mutual $2,390
Nationwide $2,926
Progressive $3,529
State Farm $2,760
USAA $2,973

What affects Grand Junction, Colorado auto insurance rates?

Local factors affect auto insurance rates in Grand Junction, CO, including traffic, theft statistics, and commute length. Take a look at the things that impact Grand Junction auto insurance rates.

Commute Times in Grand Junction

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Grand Junction, CO is 16.4 minutes according to City-Data.

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Compare Auto Insurance Quotes in Grand Junction, CO

You can buy cheap Grand Junction, CO auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Grand Junction, Colorado auto insurance quotes from top companies.

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