Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Grand Junction after a DUI is Liberty Mutual
  • The cheapest car insurance company in Grand Junction for teen drivers is GEICO
  • Average car insurance rates in Grand Junction, CO are $277/month

Average car insurance rates in Grand Junction, Colorado are $277 a month. But with a little research you can get a great deal from the top car insurance companies in Grand Junction, CO. Before you buy Grand Junction, Colorado car insurance, make sure your coverage meets or exceeds the Colorado minimum of 25/50/15.

It may even be helpful to compare Grand Junction car insurance rates with Arvada car insurance rates, Aurora car insurance rates, or Centennial car insurance rates to make sure you’re getting the best Grand Junction, CO car insurance quotes available.

Need affordable Grand Junction, CO car insurance? Enter your ZIP code to compare Grand Junction car insurance quotes from multiple car insurance companies near you.

Grand Junction, CO Minimum Car Insurance Coverage

Grand Junction, Colorado law requires drivers carry a minimum of 25/50/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car 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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Grand Junction, CO Car Insurance Rates by Coverage Level

Some Grand Junction drivers can get by with the Colorado minimum coverage of 25/50/15. Other drivers may need more. See how much your Grand Junction, Colorado car insurance rates may be based on the coverage you need.

Annual Car 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

Grand Junction, CO Car Insurance Rates by Age, Gender, and Marital Status

Grand Junction, Colorado car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Grand Junction, CO car insurance, get quotes from multiple car insurance companies in the Grand Junction area and see how these criteria affect your rates.

Annual Car 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

Grand Junction, CO Car Insurance Rates for Teens

How much is Grand Junction, Colorado car insurance for teens? Compare rates from top Grand Junction car insurance companies below to help find the cheapest teen car insurance in Grand Junction, CO.

Annual Car 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

Grand Junction, CO Car Insurance Rates for Seniors

Before seniors buy Grand Junction, Colorado car insurance, they should make sure to shop around. Some Grand Junction, CO car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car 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

Grand Junction, CO Car Insurance Rates by Credit History

How does your credit history affect Grand Junction, CO car insurance rates? Review the numbers here to find out.

Annual Car 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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Grand Junction, CO Car Insurance Rates by Driver History

How does a single speeding ticket affect your Grand Junction, Colorado car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Grand Junction.

Annual Grand Junction, Colorado Car 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

Grand Junction, CO Car Insurance Rates With a DUI

Even a single DUI can increase your Grand Junction, CO car insurance rates. Compare rates below to see which Grand Junction car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Grand Junction, Colorado

Insurance Company Annual Car 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

Grand Junction, CO Car Insurance Rates by ZIP Code

Just like Grand Junction car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Grand Junction, CO car insurance rates fluctuate by ZIP code.

Annual Car 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

Grand Junction, CO Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Grand Junction, CO car insurance rates may be. Let’s take a look at average car insurance rates from top Grand Junction companies based on commute time.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

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Grand Junction, CO Cheapest Car Insurance Rates

How do the top Grand Junction, Colorado car insurance companies’ average rates stack up against the Grand Junction average monthly car insurance rates of $277? Take a look and see.

Best Annual Car 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

Grand Junction, CO Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Grand Junction, Colorado car insurance companies to help you find one that best fits your needs.

Average Annual Car 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

Other Factors Affecting Grand Junction, CO Car Insurance Rates

Before you buy Grand Junction, Colorado car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Grand Junction, CO Commute Time

How does your Grand Junction, CO commute time compare with the average driver? In Grand Junction, the average commute is 16.4 minutes.

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Grand Junction, CO Car Insurance Quotes

Compare Grand Junction, CO car insurance quotes from multiple companies by entering your ZIP code now.