Best Cheap Auto Insurance in Grand Junction, CO (2021)

The average Grand Junction, CO auto insurance rates are $277 per month. The minimum auto insurance in Grand Junction is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Grand Junction, Colorado, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The average commute length in Grand Junction is 16.4 minutes
  • Average auto insurance rates in Grand Junction, CO for senior drivers are $1,945 per year
  • The minimum auto insurance required in Grand Junction, Colorado is 25/50/15

Grand Junction, Colorado auto insurance requirements are 25/50/15 according to Colorado auto insurance laws. Finding cheap auto insurance in Grand Junction can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Grand Junction, Colorado, including driving record, credit, commute time, and more.

Compare auto insurance in Grand Junction to other Colorado cities, including Colorado Springs auto insurance rates, Denver auto insurance rates, and Lakewood auto insurance rates to see how Grand Junction, Colorado auto insurance rates stack up.

Before you buy Grand Junction, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Grand Junction, Colorado auto insurance quotes.

Minimum Auto Insurance in Grand Junction, Colorado

Grand Junction, Colorado auto insurance laws require that you have at least the Colorado minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Grand Junction, Colorado.

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

Auto insurance rates in Grand Junction, Colorado are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

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

Cheap Grand Junction, Colorado Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Grand Junction, Colorado is a challenge. Take a look at the annual teen auto insurance rates in Grand Junction, Colorado.

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

Cheap Grand Junction, Colorado Auto Insurance for Seniors

What are senior auto insurance rates in Grand Junction, Colorado? Take a look at the annual average rates for older drivers.

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

Cheap Grand Junction, Colorado Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Grand Junction, Colorado compared to the annual auto insurance rates with a clean record in Grand Junction, Colorado.

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

Cheap Grand Junction, Colorado Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Grand Junction, Colorado is not easy. Compare the annual rates for DUI auto insurance in Grand Junction, Colorado to find the best deal.

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

Cheap Grand Junction, Colorado Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Grand Junction, Colorado annual auto insurance rates by credit history compare.

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

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Cheap Grand Junction, Colorado Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Grand Junction, Colorado can vary. Compare the annual cost of auto insurance by ZIP code in Grand Junction, Colorado to see how car insurance rates are affected by location.

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

Cheap Grand Junction, Colorado Auto Insurance Rates By Commute

Commute length and annual mileage affect Grand Junction, Colorado auto insurance. Find the cheapest annual Grand Junction, Colorado auto insurance by commute length.

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Grand Junction, Colorado Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Grand Junction, Colorado? Check out the comparison of annual Grand Junction, Colorado 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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Best By Category: Cheapest Auto Insurance in Grand Junction, Colorado

Compare the cheapest auto insurance companies in Grand Junction, Colorado in each category to find the company with the best rates for your personal needs.

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

The Cheapest Grand Junction, Colorado Auto Insurance Companies

What auto insurance companies in Grand Junction, Colorado are the cheapest? Compare the top Grand Junction, Colorado auto insurance companies to find the best annual rates.

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 auto insurance rates in Grand Junction, Colorado?

There are a lot of reasons why auto insurance rates in Grand Junction, Colorado are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Grand Junction, Colorado. Many local factors may affect your Grand Junction auto insurance rates.

Grand Junction Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Grand Junction, Colorado commute length is 16.4 minutes according to City-Data.

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Compare Grand Junction, Colorado Auto Insurance Quotes

Before you buy Grand Junction, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Grand Junction, Colorado auto insurance quotes.

Free Auto Insurance Comparison

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

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