Compare Grand Junction, CO Car Insurance Rates (2021)

Car insurance in Grand Junction, CO averages $277 a month. Grand Junction, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Grand Junction car insurance rates, compare quotes from the top car insurance companies in Grand Junction, CO.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Grand Junction is 81504
  • Average car insurance rates in Grand Junction, CO are $3,322/year
  • The cheapest car insurance company in Grand Junction for teen drivers is GEICO

If you need to buy Grand Junction, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Grand Junction, CO is right here.

You’ll find Grand Junction car insurance rates, the cheapest Grand Junction, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Grand Junction, Colorado car insurance rates to Lakewood car insurance rates, Denver car insurance rates, and Aurora car insurance rates.

Ready to find affordable Grand Junction, CO car insurance today? Enter your ZIP code for fast, free Grand Junction car insurance quotes.

Cheapest Grand Junction, CO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Grand Junction, CO car insurance rates? Every Grand Junction, Colorado car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Grand Junction, CO

Every driver must carry the minimum car insurance in Grand Junction, CO. Take a look at the Colorado car insurance requirements.

Minimum Required Car 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

Cheapest Grand Junction, CO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Grand Junction, CO. Compare credit history car insurance rates in Grand Junction from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Grand Junction, CO Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Grand Junction, CO to rates for a clean record with top companies.

Annual Grand Junction, Colorado Car 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

Cheapest Grand Junction, CO Car Insurance for Teen Drivers

Teen car insurance in Grand Junction, CO can be expensive. Take a look at rates from the top car insurance companies in Grand Junction for teenagers.

Annual Car 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

Cheapest Grand Junction, CO Car Insurance for Seniors

Take a look at Grand Junction, CO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Grand Junction, CO Car Insurance Rates After a DUI

A DUI in Grand Junction, CO increases car insurance rates. Compare Grand Junction, Colorado DUI car insurance by company to find the cheapest option.

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

Insurance Company Annual Car 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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Cheapest Grand Junction, CO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Grand Junction, CO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car 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

Cheapest Grand Junction, CO Car Insurance Rates by ZIP Code

Grand Junction car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Grand Junction, CO.

Annual Car 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

The Best Cheap Car Insurance Companies in Grand Junction, CO

Take a look at a side-by-side comparison of the top car insurance companies in Grand Junction, CO to find the best option for your needs.

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Grand Junction, Colorado

Find the cheapest car insurance companies in Grand Junction, CO for each category right here.

Best Annual Car 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

Cheapest Grand Junction, CO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Grand Junction car insurance rates. Find the cheapest Grand Junction, CO car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Grand Junction, Colorado?

What factors can have an impact on Grand Junction, CO car insurance? There are several reasons why Grand Junction car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Grand Junction, Colorado.

Commute Time in Grand Junction

The more time you spend in your car the higher the 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 Car Insurance Quotes in Grand Junction, CO

Ready to find affordable Grand Junction, Colorado car insurance today? Enter your ZIP code for fast, free Grand Junction, CO car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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