Cheapest Auto Insurance in Grand Junction, Colorado (2024)
State Farm offers the cheapest car insurance in Grand Junction, with minimum-coverage policies as low as $35 per month.
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated October 30, 2024
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Table of contents
In Grand Junction, Colorado, the average cost of car insurance is $113 per month. The good news is this is less than the nationwide average cost of $158 per month. Your ZIP code heavily influences your car insurance costs, and the comparatively low auto insurance rates in Grand Junction could be due to the fact that the city experienced a drop in auto theft in recent years.[1]
Here’s what you need to know about finding cheap car insurance in Grand Junction, Colorado.
Quick Facts
The average cost of car insurance in Grand Junction is $68 per month for liability insurance and $158 per month for full coverage.
Grand Junction drivers in their 60s pay the least for car insurance, on average, compared to other age groups.
Car insurance companies in Colorado can use your credit information when determining premiums.[2]
Cheapest car insurance companies in Grand Junction
When searching for car insurance, it’s crucial to look beyond just the price tag. Consider a company that offers the coverage options you need, exceptional customer service, and features that appeal to you.
The tables below showcase various Grand Junction car insurance companies excelling in different categories, all while maintaining affordability, as well as their average quotes in Colorado.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| USAA | 9.4 | $130 | $61 | Military members and families |
| State Farm | 9.3 | $101 | $47 | Discounts |
| GEICO | 9.0 | $154 | $72 | Bundling |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for military members and families: USAA
USAACompare personalized, real-time quotes
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $45/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $95/mo |
Almost 7% of Grand Junction residents are veterans, which means a decent number of residents and their family members can qualify for USAA auto insurance. USAA is a great fit for military families. Not only does this car insurance company charge low average rates, but it also offers features and processes designed to suit people with military affiliation — like a discount for storing your car on base while deployed.
Pros
Strong rating in J.D. Power’s 2023 U.S. Auto Insurance Study
Various discounts available
Cons
Restricted membership
No gap insurance
Read more driver reviews of USAA
Kent - October 29, 2024
Verified
Excellent
The insurance is a bit high.
Dorothy - October 29, 2024
Verified
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin - October 29, 2024
Verified
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
…
Best insurer for discounts: State Farm
State FarmCompare personalized, real-time quotes
| User Reviews | 3.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $35/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $74/mo |
Amid rising car insurance rates, it’s important to find affordable insurance for your ride. Thankfully, State Farm provides a respite by offering some of the most affordable average premiums for auto insurance. It also offers plenty of discounts, including those for academic excellence, completing defensive driving courses, equipping safety features in your vehicle, and more.
Pros
Top J.D. Power customer satisfaction rating in the Southwest region
Offers many discounts
Cons
No gap insurance available
Customers can’t buy a policy online
Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified
Good
The insurance is higher than other companies' policies.
Marsha - October 29, 2024
Verified
Friendly agents!
Check out their prices!
Linda - October 29, 2024
Verified
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
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Best insurer for bundling: GEICO
GEICOCompare personalized, real-time quotes
| User Reviews | 3.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $114/mo |
As housing prices continue to soar in Grand Junction, people may need to trim costs where possible. Whether you’re a homeowner or a renter, consolidating your renters or homeowners insurance with your car insurance through a single insurer is convenient and usually results in a discount. GEICO offers the flexibility to bundle your auto insurance with policies for condos, renters, homeowners, and mobile homes.
Pros
Highly rated mobile app
Above-average J.D. Power claims satisfaction rating
Cons
Below-average J.D. Power customer satisfaction rating in the Southwest region
No gap insurance available
Read more driver reviews of GEICO
Herman - October 29, 2024
Verified
Excellent
For us, it came down to cost and having all of our insurance with the same company, not farmed out.
Greg - October 29, 2024
Verified
It's Expensive
It's expensive.
Robert - October 29, 2024
Verified
Unpleasant Experience on Cape Cod
My insurance has gone from $37 a month to $82. Stay far away from this company.
…
How to get the cheapest car insurance in Grand Junction
Getting cheap car insurance in Grand Junction isn’t a straightforward process. It takes a little bit of effort on your end, so follow these tips to find lower rates in the city:
Compare quotes. Get quotes from at least three different car insurance companies before you buy an auto policy. This will let you see which company can offer you the lowest price for the coverage you need. A quote-comparison tool can help you look at multiple quotes at once.
Reconsider your coverage. If you drive an older, less valuable vehicle, consider reducing your policy limits or dropping some optional coverages completely. You may want to drop collision or comprehensive coverage if your car’s value is less than the annual cost of the coverage.
Look for discounts. Plenty of auto insurers offer ways for drivers to reduce their car insurance premiums. You can likely find discounts for being a good driver, taking a driver’s education course, having certain safety equipment in your vehicle, signing up for paperless billing, and more.
Bundle policies. You can usually get a bundling discount by combining policies like home insurance, renters insurance, business insurance, or life insurance with your auto insurance.
Find Cheap Car Insurance in Grand Junction, CO
Liability rates start at $35 per month
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Cheapest liability-only car insurance in Grand Junction: State Farm
Liability car insurance, which is mandatory in almost every state, including Colorado, is generally a low-cost coverage option. This coverage pays for injuries and property damage to other parties in accidents you cause, but it excludes your own vehicle repair expenses. Because it’s the least amount of car insurance you can purchase, it’s usually the cheapest car insurance option.
The cheapest liability-only auto insurance company in Grand Junction is State Farm, with an average rate of $35 per month, but the table below shows other cheap options to consider.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $35 |
| USAA | $45 |
| American Family | $48 |
| Sun Coast | $52 |
| Allstate | $54 |
| GEICO | $54 |
| Nationwide | $58 |
| Progressive | $61 |
| Auto-Owners | $62 |
| The General | $65 |
| Safeco | $68 |
| Root | $69 |
| Bristol West | $70 |
| Dairyland | $76 |
| Midvale Home & Auto | $76 |
| Foremost | $87 |
| Travelers | $87 |
| Direct Auto | $88 |
| Farmers | $92 |
| National General | $106 |
| Liberty Mutual | $112 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Grand Junction: State Farm
While liability car insurance only covers the injuries and damages you cause in an accident, full-coverage insurance goes one step further to provide coverage for your own vehicle damages. Because it adds more coverage, it usually costs more than a liability-only policy, but it includes protection for various situations, like theft and weather damage.
The average cost of full-coverage car insurance in Grand Junction is $158 per month, and the table below shows the cheapest full-coverage car insurance companies.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $74 |
| USAA | $95 |
| American Family | $102 |
| GEICO | $114 |
| Allstate | $115 |
| Root | $122 |
| Nationwide | $123 |
| Sun Coast | $127 |
| Midvale Home & Auto | $130 |
| Progressive | $130 |
| Safeco | $131 |
| Auto-Owners | $132 |
| Bristol West | $177 |
| The General | $182 |
| Liberty Mutual | $186 |
| Travelers | $186 |
| Dairyland | $190 |
| Farmers | $195 |
| Direct Auto | $203 |
| National General | $208 |
| State Auto | $211 |
| Foremost | $248 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Grand Junction, Colorado
Recent Grand Junction, Colorado car insurance prices for Toyota, GMC, Subaru , and more.
*Quotes generated for Insurify users in and around Grand Junction, Colorado within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Grand Junction, Colorado within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Colorado
If you want to drive legally in the state of Colorado, you must maintain a liability-only policy. Every driver’s policy must meet the following minimum requirements:[3]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $15,000 per accident |
While the state requires drivers to maintain minimum coverage levels, you can add additional coverages to your auto insurance policy for extra protection:
Collision coverage
Collision coverage pays for damages from collisions, regardless of fault, whether you hit stationary objects or other vehicles.
Comprehensive coverage
Comprehensive coverage pays for non-collision damages like fire, vandalism, theft, falling objects, and natural disasters.
Gap coverage
If you financed or leased your vehicle, gap insurance covers the difference between your auto loan balance and the insurance settlement in case of a total loss.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage kicks in when an uninsured or underinsured driver causes an accident, covering your damages and injuries.
Glass coverage
Don’t underestimate the importance of glass protection, including windshield and glass damage, potentially with no deductible.
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Read More: How Much Car Insurance Do You Need?
Cheapest car insurance for drivers with an incident
If you have certain incidents on your driving record, you may find getting cheap car insurance in Grand Junction difficult. Incidents like speeding tickets, driving under the influence (DUI) convictions, at-fault accidents, and other moving violations can all increase car insurance premiums, as they indicate you pose an increased risk of filing claims.
The average cost of car insurance in Grand Junction after an incident is $148 per month, and here’s how different incidents can affect average car insurance quotes.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| State Farm | $35 | $46 | $46 | $57 |
| USAA | $45 | $60 | $60 | $73 |
| American Family | $48 | $64 | $64 | $78 |
| Sun Coast | $52 | $77 | $73 | $83 |
| Allstate | $54 | $72 | $72 | $88 |
| GEICO | $54 | $72 | $72 | $88 |
| Nationwide | $58 | $78 | $78 | $94 |
| Progressive | $61 | $81 | $82 | $99 |
| Auto-Owners | $62 | $83 | $83 | $101 |
| The General | $65 | $88 | $88 | $106 |
| Safeco | $68 | $92 | $88 | $111 |
| Root | $69 | $98 | $98 | $112 |
| Bristol West | $70 | $93 | $92 | $114 |
| Dairyland | $76 | $101 | $101 | $124 |
| Foremost | $87 | $125 | $124 | $141 |
| Travelers | $87 | $117 | $117 | $141 |
| Direct Auto | $88 | $117 | $119 | $143 |
| Farmers | $92 | $122 | $122 | $150 |
| National General | $106 | $142 | $142 | $172 |
| Liberty Mutual | $112 | $161 | $160 | $182 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Car insurance costs for teenagers and young drivers are generally more expensive than other age groups due to their limited driving experience and maturity level, which tends to lead to more frequent claims. However, rates generally drop around age 35 as drivers become more skilled and responsible. Nevertheless, rates might rise again around age 70, when older drivers’ reaction times and driving capabilities decline.[4]
The table below shows how average car insurance quotes in Grand Junction change as drivers age.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $254 |
| 20s | $173 |
| 30s | $130 |
| 40s | $119 |
| 50s | $98 |
| 60s | $87 |
| 70s | $94 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Grand Junction, CO
Monthly liability-only rates start at $35
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Based on 3,806+ reviews
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Grand Junction car insurance quotes by credit tier
In Colorado, car insurance companies can use credit history to determine auto insurance prices.[2] Generally, poor credit indicates a greater likelihood to file insurance claims. This is why drivers with excellent or good credit tend to get lower car insurance premiums.
Here’s how average car insurance quotes change based on credit tier in Grand Junction.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Grand Junction car insurance FAQs
Learn more about car insurance for first-time drivers, and check out the answers to common questions about auto coverage in Grand Junction below.
How much is car insurance in Grand Junction?
The average cost of car insurance in Grand Junction is $68 per month for liability insurance and $158 per month for full coverage.
Who has the cheapest car insurance in Grand Junction?
State Farm, USAA, and American Family offer the lowest rates in Grand Junction, at $35, $45, and $48 per month, respectively. But one of the best ways to find the cheapest car insurance for your situation is to compare quotes from multiple insurers at the same coverage levels. This will help you find the insurance that offers you the best price for the coverage you’re looking for.
What are the best car insurance companies in Grand Junction?
Some of the best car insurance companies in Grand Junction that Insurify identified include GEICO, State Farm, and USAA. These companies have high Insurify Quality Scores, good J.D. Power ratings, and strong AM Best ratings and are worth consideration for your car insurance needs.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Colorado
Sources
- Grand Junction Police Department. "2022 Annual Report."
- Rocky Mountain Insurance Information Association. "Colorado’s Insurance Scoring Law."
- Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
- III. "Senior driving safety and insurance tips."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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