Cheapest Auto Insurance in Grand Junction, Colorado (2025)
State Farm offers the cheapest car insurance in Grand Junction, with minimum-coverage policies as low as $34 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
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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Table of contents
In Grand Junction, Colorado, the average cost of car insurance is $117 per month. The good news is this is less than the nationwide average cost of $150 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 $76 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 | $121 | $58 | Military members and families |
| State Farm | 9.3 | $94 | $45 | Discounts |
| GEICO | 9.0 | $143 | $69 | 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 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. | 9.4 /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. | $43/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. | $89/mo |
4.9
Best choiceBased on 1,985 verified guest 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 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 For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,151)
Linda
April 27, 2025
Verified Review
Car
It has been very easy, and the customer service has been good.
James
April 26, 2025
Verified Review
Very poor
Very poor. I would never go back to them. They raised my rates by $30 to $50 every six months.
Tom
April 26, 2025
Verified Review
I made a choice that I'm not so sure was a smart move.
All done on the computer. Have not had any face-to-face or telecommunications with people. USAA wants to monitor personal driving habits of an individual who drives just about 30 miles a week, is an octogenarian, and rarely goes out. If there is no response to their monitoring, they hike the insurance rates automatically for "lack of monitoring."
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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 | 4.2 |
|---|---|
| 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. | $34/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. | $69/mo |
4.2
Best choiceBased on 10,713 verified guest 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 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 For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,874)
Sarah
April 27, 2025
Verified Review
Horrible customer service and I've been with them for years!
Horrible. I've been with them for years, and it's all about the money and getting every dime they can for as little coverage as possible. Customer service is horrible, at least at State Farm in Wichita Falls, TX. They never call you back or leave a message, like they don't care, which they don't. If you can't reach me by phone, leave a message or email; don't use that as an excuse or say it's my fault. Try a little harder, please! Oh well, goodbye. I got way more coverage for WAY cheaper, saving me $1,200 a year!
William
April 27, 2025
Verified Review
Rates
Instead of raising everyone's rates, those of us with no claims should see a rate discount based on longevity!
Jennifer
April 27, 2025
Verified Review
I would recommend getting 2 months of rental car coverage, as it takes about 3 weeks just to get an estimate, leaving you only 1 week to find a car. It's nearly impossible and could affect my job because I have to find rides. I may even lose my job.
I would recommend getting 2 months of rental car coverage, as it takes about 3 weeks just to get an estimate, leaving you only 1 week to find a car. It's nearly impossible and could affect my job because I have to find rides. I may even lose my job.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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 /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. | $52/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. | $106/mo |
4.0
Best choiceBased on 11,587 verified guest 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 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 For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,311)
Joseph
April 27, 2025
Verified Review
Terrible
Terrible, you guys ripped me off for 3 years. I got rates for half of what you charged me. And at the end, you sent me a letter saying that it's going up by 11 dollars. I'm a driver that rarely uses the car, never had a ticket or accident, or any problems at all, and always paid my payment on time. To top it off, I called you after I obtained new insurance with another company. The person on the phone stated that I need to continue to pay my payments for the next 6 months no matter what. This is ridiculous. If I don't receive my prorated balance of my last payment I just paid to GEICO auto insurance, I will make this public. Goodbye!
Richard
April 27, 2025
Verified Review
Unexpected Price Increase
The price of my insurance went up even though I didn’t have any tickets or accidents.
Eyeris
April 27, 2025
Verified Review
Solo voy a estar con este seguro por un mes, su alto precio me obliga a cambiar
La verdad, no lo recomendaría. Los precios son muy altos y no me preguntaron si yo era conductor en mi país.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.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 $34 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $34 per month, but the table below shows other cheap options to consider.
The below rates are estimated rates current as of: Tuesday, April 22 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $34 |
| USAA | $43 |
| American Family | $46 |
| Allstate | $52 |
| GEICO | $52 |
| Nationwide | $56 |
| Root | $58 |
| Progressive | $59 |
| Sun Coast | $59 |
| Auto-Owners | $60 |
| The General | $66 |
| Bristol West | $68 |
| Safeco | $83 |
| Foremost | $84 |
| Travelers | $84 |
| Farmers | $88 |
| Dairyland | $91 |
| Direct Auto | $95 |
| National General | $108 |
| Liberty Mutual | $157 |
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: Tuesday, April 22 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $69 |
| USAA | $89 |
| American Family | $96 |
| GEICO | $106 |
| Allstate | $107 |
| Root | $110 |
| Nationwide | $115 |
| Progressive | $121 |
| Auto-Owners | $124 |
| Safeco | $148 |
| Sun Coast | $156 |
| Bristol West | $165 |
| The General | $167 |
| Travelers | $174 |
| Farmers | $182 |
| Dairyland | $209 |
| Direct Auto | $214 |
| National General | $216 |
| Liberty Mutual | $236 |
| Foremost | $258 |
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
Drivers using Insurify have found quotes as cheap as $58/mo for liability only and $88/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 April 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 April 28, 2025. 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 April 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 April 28, 2025. 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 $146 per month, and here’s how different incidents can affect average car insurance quotes.
The below rates are estimated rates current as of: Tuesday, April 22 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $34 | $44 | $44 | $54 |
| USAA | $43 | $56 | $56 | $68 |
| American Family | $46 | $61 | $61 | $73 |
| Allstate | $52 | $68 | $68 | $82 |
| GEICO | $52 | $68 | $68 | $82 |
| Nationwide | $56 | $74 | $74 | $89 |
| Root | $58 | $83 | $83 | $84 |
| Progressive | $59 | $78 | $79 | $93 |
| Sun Coast | $59 | $83 | $80 | $91 |
| Auto-Owners | $60 | $80 | $79 | $95 |
| The General | $66 | $90 | $89 | $104 |
| Bristol West | $68 | $90 | $89 | $107 |
| Safeco | $83 | $112 | $113 | $128 |
| Travelers | $84 | $111 | $111 | $133 |
| Farmers | $88 | $116 | $115 | $139 |
| Dairyland | $91 | $119 | $119 | $144 |
| Direct Auto | $95 | $125 | $127 | $150 |
| National General | $108 | $141 | $139 | $171 |
| Liberty Mutual | $157 | $218 | $217 | $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.
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 $34
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $76 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 $34, $43, and $46 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.
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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 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.
Jacqueline has been a contributor at Insurify since October 2022.
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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