Cheap Auto Insurance Quotes in Grand Junction, CO (January 2022)

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Car Insurance in Grand Junction, CO

The average cost of Colorado car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Grand Junction, CO to find you the cheapest quotes in the area.
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State FarmAllstateNationwideThe GeneralTravelers

Cheapest Car Insurance in Grand Junction, CO

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

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ColoradoDenverColorado SpringsAuroraFort CollinsGrand Junction
Click here to learn about car insurance quotes and save on your current policy.

Grand Junction, CO Driving Facts

colorado

Minimum Car Insurance Requirements in CO

Studies on the relationship between driver behavior and increasingly lax state laws on marijuana in Colorado have led to inconclusive results; however, marijuana-impaired highway deaths are reportedly in decline.

Colorado's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Find local Grand Junction agents

Beckner Power Insurance Inc.
216 N Ave #8, Grand Junction, CO 81501
Home Loan & Investment Co
205 North 4th St, Grand Junction, CO 81501
Targett & Associates
327 N 7th Street , Grand Junction , CO 81501
Mountain West Insurance & Financial Services
480 W Park Drive Suite 100, Grand Junction, CO 81505
Red Rocks Insurance, LLC
2764 Compass Dr Ste 232, Grand Junction, CO 81506-8746
Western Colorado Insurance
2532 Patterson Rd Ste 4, Grand Junction, CO 81505-3607
Moody-Valley Insurance Agency
760 Horizon Dr, Grand Junction, CO 81506
American Bison Insurance
1000 N 9th St Unit 4, Grand Junction, CO 81501
MB Insurance, LLC
637 25 Road, Grand Junction, CO 81505
970 Insurance
2755 North Avenue, Grand Junction, CO 81501

Insurify Insights: How Grand Junction Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Grand Junction, CO
suspended licenses
#19
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Grand Junction drivers measure up to their fellow Colorado motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Grand Junction

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Grand Junction drivers rank 19 in the number of car accidents per driver across all cities in Colorado.

  • Rank within state: #19
  • Percent of drivers in Grand Junction with an accident: 10.02%
  • Drivers in Grand Junction, CO with an accident in their driving history paid on average 24.52% more than drivers with a clean record

Speeding in Grand Junction

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Colorado, Grand Junction drivers rank 18 in the number of speeding infractions per driver.

  • Rank within state: #18
  • Percent of drivers in Grand Junction with a speeding ticket: 12.24%
  • Drivers in Grand Junction, CO with a speeding ticket in their driving history paid on average 40.65% more than drivers with a clean record

DUI/DWIs in Grand Junction

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Grand Junction drivers rank 19 in the number of DUI’s per driver across all cities in Colorado.

  • Rank within state: #19
  • Percent of drivers in Grand Junction with a DUI: 1.98%
  • Drivers in Grand Junction, CO with a DUI in their driving history paid on average -70.97% more than drivers with a clean record

Most Popular Vehicle in Grand Junction

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Grand Junction is the Ford F-Series Pickup.

Rude in Grand Junction

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Colorado, Grand Junction drivers rank 12 in rude driving infractions.

  • Rank within state: #12
  • Percent of drivers in Grand Junction with a reckless driving violation: 2.45%
  • Drivers in Grand Junction, CO with a reckless driving violation in their driving history paid on average 45.16% more than drivers with a clean record.

Safest Drivers in Grand Junction

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Grand Junction drivers rank 3 in clean driving records across all cities in Colorado.

  • Rank within state: #3
  • Percent of drivers in Grand Junction with clean record: 78.32%

Failure to Yield the Right of Way in Grand Junction

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Grand Junction drivers rank 14 in failure to yield violations per driver across all cities in Colorado.

  • Rank within state: #14
  • Percent of drivers in Grand Junction with a failure to yield violation: 0.35%
  • Drivers in Grand Junction, CO with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers in Grand Junction

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Colorado, Grand Junction drivers rank 13 in the number of reckless driving offenses per driver.

  • Rank within state: #13
  • Percent of drivers in Grand Junction with a reckless driving offense: 0.12%

Hybrid/Electric Vehicle Ownership in Grand Junction

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Grand Junction drivers rank 23 in hybrid and electric vehicle ownership across all cities in Colorado.

  • Rank within state: #23
  • Percent of drivers in Grand Junction with a hybrid/electric vehicle: 0.5%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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