Cheapest Auto Insurance in Grand Junction, Colorado (2026)
State Farm offers the cheapest car insurance in Grand Junction, with minimum-coverage policies as low as $45 per month.
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Written byJacqueline DeMarco
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Jacqueline DeMarcoFreelance Insurance Writer
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
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Reviewed byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Table of contents
In Grand Junction, Colorado, the average cost of car insurance is $107 per month. The good news is this is less than the nationwide average cost of $136 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 $72 per month for liability insurance and $142 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 | 9.1 | $155 | $76 | Military members and families |
| State Farm | 9.3 | $120 | $59 | Discounts |
| GEICO | 9.2 | $184 | $90 | Bundling |
Disclaimer: Table data sourced from real-time Grand Junction car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Grand Junction 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 55,000 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
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /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. | $58/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. | $117/mo |
4.9
Best choice in Grand Junction, COBased on 3,167 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Grand Junction for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Grand Junction for
Members of the military community
Outstanding customer service
Competitive rates
Showing 14 Colorado reviews for Grand Junction drivers - See all 1,487 USAA reviews
Vlademir
Verified Review
Right price and fair.
Reviewed in Colorado on February 26, 2026
I have not had any issues, and the price was always far below other insurers.
Dale
Verified Review
USAA Experience
Reviewed in Colorado on January 28, 2026
Transparent, very good service, good value.
Marge
Verified Review
USAA
Reviewed in Colorado on January 26, 2026
I have been with them for 54 years and no one has beaten the rate for the coverage I want.
William
Verified Review
Unhappy Vet
Reviewed in Colorado on January 16, 2026
The insurance premium price keeps going up, and I have had no accidents and no speeding tickets. I would like to know why that has happened.
Jimmie
Verified Review
Not a bargain
Reviewed in Colorado on January 9, 2026
USAA is very high in cost and slow to pay out.
Joseph
Verified Review
USAA has no loyalty to long-term customers
Reviewed in Colorado on January 4, 2026
USAA consistently delivers exceptional service; I have been a loyal customer for nearly two decades. However, I've observed a continuous increase in rates, which suggests a lack of loyalty to long-standing customers. I believe USAA should consider implementing loyalty discounts for their tenured clientele, rather than consistently raising their rates.
Scott
Verified Review
USAA is good but shop around. You could do better.
Reviewed in Colorado on December 31, 2025
Overpriced compared to other carriers.
Oscar
Verified Review
I'm just checking prices. Their service is great, but their prices match the service. Just checking prices and coverage. They go hand in hand.
Reviewed in Colorado on November 22, 2025
I'm just checking prices. Their service is great, but their prices match the service. Just checking prices and coverage. They go hand in hand.
Cary
Verified Review
OK
Reviewed in Colorado on November 11, 2025
Good company, but costs keep going up.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best insurer for discounts: State Farm
| User Reviews | 4.0 |
|---|---|
| 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. | $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. | $91/mo |
4.0
Best choice in Grand Junction, COBased on 15,982 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Grand Junction for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Grand Junction for
Customer service
Competitive rates
Discounts for safe drivers
Showing 31 Colorado reviews for Grand Junction drivers - See all 7,209 State Farm reviews
Lelia
Verified Review
State Farm Reviewed
Reviewed in Colorado on February 25, 2026
Shop around and compare.
Jerry
Verified Review
Excellent
Reviewed in Colorado on February 14, 2026
Shop around before you buy, but make sure you're comparing apples to apples.
Philip
Verified Review
I did the survey
Reviewed in Colorado on February 13, 2026
State Farm is great. I like dealing directly with my agent.
Le
Verified Review
St Farm Experience
Reviewed in Colorado on February 9, 2026
St Farm has been a fair insurer for decades. However, rates are increasing by leaps and bounds—just increased 22%!
Frank
Verified Review
Comments
Reviewed in Colorado on February 6, 2026
I have had very little contact with the office of this agent. I have not even received a Christmas card, a birthday card, or a call, but that doesn’t matter because the times that I’ve had claims, which has only been twice in the past 5-6 years, they have responded excellently. However, that is the claims office, not my agent.
Glenn
Verified Review
State Farm Review
Reviewed in Colorado on January 22, 2026
Excellent Service
Raymond
Verified Review
Great people but high cost increases.
Reviewed in Colorado on January 12, 2026
Service has been quite good with very nice, helpful staff. The only issue is that the price has gone up significantly over the last two years.
Janis
Verified Review
Excellent insurance. Can be pricey.
Reviewed in Colorado on January 9, 2026
I feel good about it.
Marvin
Verified Review
Very expensive and the Drive Safe discount doesn’t work half the time. I have been checking around for better and cheaper insurance.
Reviewed in Colorado on January 5, 2026
Very expensive and the Drive Safe discount doesn’t work half the time. I have been checking around for better and cheaper insurance.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best insurer for bundling: GEICO
| User Reviews | 4.0 |
|---|---|
| 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. | 9.2 /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. | $69/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. | $139/mo |
4.0
Best choice in Grand Junction, COBased on 16,212 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Grand Junction for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Grand Junction for
Teen drivers
Cheap rates
Accident forgiveness
Showing 7 Colorado reviews for Grand Junction drivers - See all 7,454 GEICO reviews
Brian
Verified Review
Need Better Value
Reviewed in Colorado on February 25, 2026
Good, but I need a lower price. All claims were done to my car, not by my car. My rates should not have gone up.
Pam
Verified Review
Terrible
Reviewed in Colorado on January 26, 2026
They raised my rates without any explanation.
Jerry
Verified Review
Price and Great App
Reviewed in Colorado on September 29, 2025
It's hard to beat their price. Great app.
Pamela
Verified Review
Insurance
Reviewed in Colorado on April 30, 2025
It was cheaper than Progressive.
Judy
Verified Review
Best Insurance Company
Reviewed in Colorado on April 22, 2025
Love Geico. Best insurance company I’ve had. Easy to work with and great value.
Bret
Verified Review
Good but expensive
Reviewed in Colorado on March 20, 2025
Matthew
Verified Review
Geico's discount policy is neither transparent nor well administered. Expect to be told that there is an inexplicable issue that invalidates the discount you were promised.
Reviewed in Colorado on March 14, 2025
Geico's discount policy is neither transparent nor well administered. Expect to be told that there is an inexplicable issue that invalidates the discount you were promised.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
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 $45 per month
Excellent
4.7 out of 5 based on 12,610 reviews
Secure. Free. Easy-to-use.
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 $45 per month, but the table below shows other cheap options to consider.
The below rates in Grand Junction, CO, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $45 |
| Sun Coast | $53 |
| Mile Auto | $58 |
| USAA | $58 |
| The General | $59 |
| Root | $60 |
| Progressive | $62 |
| American Family | $62 |
| Bristol West | $66 |
| GEICO | $69 |
| Allstate | $70 |
| Nationwide | $74 |
| Auto-Owners | $80 |
| Safeco | $88 |
| National General | $93 |
| Dairyland | $98 |
| Direct Auto | $98 |
| Travelers | $113 |
| Farmers | $118 |
| Liberty Mutual | $157 |
Disclaimer: Table data sourced from real-time Grand Junction car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Grand Junction 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 $142 per month, and the table below shows the cheapest full-coverage car insurance companies.
The below rates in Grand Junction, CO, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $91 |
| USAA | $117 |
| Root | $120 |
| American Family | $125 |
| Progressive | $134 |
| Mile Auto | $137 |
| GEICO | $139 |
| Allstate | $140 |
| Bristol West | $146 |
| The General | $148 |
| Nationwide | $150 |
| Safeco | $155 |
| Sun Coast | $161 |
| Auto-Owners | $161 |
| Direct Auto | $198 |
| National General | $198 |
| Travelers | $228 |
| Liberty Mutual | $233 |
| Farmers | $238 |
| Dairyland | $249 |
Disclaimer: Table data sourced from real-time Grand Junction car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Grand Junction may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Grand Junction, Colorado
Drivers using Insurify have found quotes as cheap as $46/mo for liability only and $74/mo for full coverage in Grand Junction and other Colorado cities.
*Quotes generated for Insurify users in and around Grand Junction, Colorado within the last 10 days. Last updated on March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 12, 2026. 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 March 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 March 12, 2026. 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.
)
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 $126 per month, and here’s how different incidents can affect average car insurance quotes.
The below rates in Grand Junction, CO, are estimated rates current as of: Monday, March 9 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $45 | $58 | $59 | $65 |
| Sun Coast | $53 | $69 | $69 | $74 |
| Mile Auto | $58 | $72 | $78 | $84 |
| USAA | $58 | $76 | $77 | $84 |
| The General | $59 | $80 | $81 | $85 |
| Root | $60 | $81 | $80 | $87 |
| Progressive | $62 | $81 | $81 | $87 |
| American Family | $62 | $82 | $83 | $89 |
| Bristol West | $66 | $85 | $86 | $95 |
| GEICO | $69 | $92 | $89 | $98 |
| Allstate | $70 | $93 | $93 | $101 |
| Nationwide | $74 | $98 | $99 | $107 |
| Auto-Owners | $80 | $106 | $105 | $115 |
| Safeco | $88 | $118 | $122 | $135 |
| National General | $93 | $118 | $123 | $134 |
| Dairyland | $98 | $125 | $129 | $141 |
| Direct Auto | $98 | $125 | $133 | $141 |
| Travelers | $113 | $149 | $151 | $163 |
| Farmers | $118 | $154 | $156 | $170 |
| Liberty Mutual | $157 | $203 | $207 | $227 |
Disclaimer: Table data sourced from real-time Grand Junction car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Grand Junction 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 is based on real-time Grand Junction quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Shop for Car Insurance in Grand Junction, CO
Monthly liability-only rates start at $45
Excellent
4.7 out of 5 based on 12,610 reviews
Secure. Free. Easy-to-use.
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 $72 per month for liability insurance and $142 per month for full coverage.
Who has the cheapest car insurance in Grand Junction?
State Farm, Sun Coast, and Mile Auto offer the lowest rates in Grand Junction, at $45, $53, and $58 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 190 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 500+ 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.
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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 DeMarcoFreelance Insurance Writer
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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Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.