Cheapest Car Insurance In Grand Junction, CO 2025
Among all insurers in Grand Junction, State Farm offers the most cost-effective minimum coverage at an average of $36 monthly.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re searching for budget-friendly car insurance in Grand Junction, CO, prices can be all over the place.
If keeping costs low is your priority, State Farm is the best choice for liability-only coverage. Those wanting full coverage will find USAA the most affordable, while young drivers save the most with National General.
Cheapest Car Insurance Companies In Grand Junction, CO 2025
Cheapest Liability-only Car Insurance In Grand Junction: State Farm
State Farm is the most cost-effective choice for minimum coverage car insurance in Grand Junction, with an average monthly rate of $36.
The table below breaks down insurance rates across different companies for easy comparison.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $36 | $432 |
| American Family | $48 | $576 |
| Nationwide | $58 | $696 |
| Allstate | $54 | $648 |
| Progressive | $61 | $732 |
Cheapest Full Coverage Insurance Rates In Grand Junction: USAA
Grand Junction drivers can get the most affordable full coverage from USAA, where rates average $92 per month.
The table below presents a side-by-side comparison of average auto insurance costs from low-cost insurers in Grand Junction.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $92 | $1,104 |
| GEICO | $108 | $1,296 |
| American Family | $99 | $1,188 |
| Nationwide | $116 | $1,392 |
| Allstate | $109 | $1,308 |
Cheapest Car Insurance Rates For Seniors: Dairyland
Grand Junction seniors can secure the lowest car insurance rates from Dairyland, with an average monthly premium of $55.
Below is a comparison of average car insurance quotes from the least expensive providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Dairyland | $55 | $660 |
| State Farm | $79 | $948 |
| Colorado Farm Bureau | $68 | $816 |
| Metropolitan | $95 | $1,140 |
| USAA | $84 | $1,008 |
Cheapest Rates In Grand Junction For Teenagers: Colorado Farm Bureau
With an average monthly premium of $112, Colorado Farm Bureau is the cheapest option for teenage drivers in Grand Junction.
Below is a breakdown of the most affordable insurance companies for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Colorado Farm Bureau | $112 | $1,344 |
| State Farm | $175 | $2,100 |
| USAA | $171 | $2,052 |
| Allstate | $265 | $3,180 |
| USAA | $172 | $2,064 |
Cheapest Auto Insurance For Young Adults in Grand Junction: National General
With an average monthly cost of $69, National General is the most affordable choice for young drivers in Grand Junction.
The table below shows the cheapest car insurance providers for young adults in Grand Junction.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $69 | $828 |
| Colorado Farm Bureau | $112 | $1,344 |
| Liberty Mutual | $105 | $1,260 |
| State Farm | $123 | $1,476 |
| Safeco | $118 | $1,416 |
Cheapest Car Insurance In Grand Junction For Good Drivers: State Farm
At just $36 per month, State Farm offers the lowest-priced car insurance for safe drivers in Grand Junction.
If you maintain a clean driving record, the table below can help you find the cheapest insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $36 | $432 |
| American Family | $48 | $576 |
| Nationwide | $58 | $696 |
| Allstate | $54 | $648 |
| Progressive | $61 | $732 |
Find affordable Grand Junction rates
Cheapest Car Insurance In Grand Junction After A Speeding Ticket: American Family
American Family remains an inexpensive choice in Grand Junction, charging an average of $64 per month for drivers with a speeding ticket.
Check out the chart below to find out how much insurance typically costs for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $64 | $768 |
| Nationwide | $76 | $912 |
| Allstate | $69 | $828 |
| GEICO | $71 | $852 |
| Auto-Owners | $82 | $984 |
Cheapest For Drivers With After At-Fault Accident: American Family
American Family is the most affordable insurer for drivers with an at-fault incident, offering rates around $66 per month.
These are the insurance providers with the best rates for drivers who have been responsible for an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $66 | $792 |
| Nationwide | $76 | $912 |
| Progressive | $82 | $984 |
| Allstate | $71 | $852 |
| Auto-Owners | $81 | $972 |
Cheapest Rates In Grand Junction For Drivers After A DUI: American Family
American Family is the most affordable choice for Grand Junction drivers after a DUI, with monthly rates averaging $75.
If you’ve had a DUI, the table below lists the cheapest car insurance options available in Grand Junction.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $75 | $900 |
| Allstate | $84 | $1,008 |
| Auto-Owners | $98 | $1,176 |
| Nationwide | $90 | $1,080 |
| Progressive | $96 | $1,152 |
Best Car Insurance Companies In Grand Junction
Looking for affordable insurance in Grand Junction? State Farm offers the lowest rate at $36 per month, with American Family and Allstate close behind at $48 and $54.
Shown below are Grand Junction, CO’s 10 best car insurance providers, ranked according to their average monthly rates.
| Company | Monthly Premium |
| State Farm | $36 |
| American Family | $48 |
| Nationwide | $58 |
| Allstate | $54 |
| Progressive | $61 |
| USAA | $45 |
| GEICO | $53 |
| Auto-Owners | $61 |
| Sun Coast | $62 |
| Root | $59 |
Average Auto Insurance Rates In Grand Junction – By Age
Car insurance costs vary by age, with younger drivers seeing the highest premiums due to their inexperience and greater accident risk. Teen drivers usually pay about $3,100 annually.
Drivers typically start seeing reduced insurance rates at age 25, provided they haven’t had any violations.
Insurance companies typically charge lower premiums to drivers in their 50s and early 60s because they use age to measure experience and accident risk.
| Age | Average Yearly Rate |
| Teenagers | $3,100 |
| 20s | $1,517 |
| 30s | $1,284 |
| 40s | $1,333 |
| 50s | $1,118 |
| 60s | $1,266 |
| 70s | $1,199 |
Average Rates In Grand Junction – By Vehicle
The make and model of your car play a major role in your insurance costs. Vehicles with high-tech features or expensive repairs, such as luxury models, usually result in higher premiums.
Use the chart below to explore the average insurance premiums for different vehicles in Grand Junction.
| Vehicle | Average Monthly Rate |
| Ford Taurus | $86 |
| Nissan Frontier | $119 |
| Honda Crosstour | $227 |
| Jeep Compass | $148 |
| Hyundai Sonata | $146 |
How Much Is Car Insurance In Other Cities in Colorado?
Your insurance company considers your city’s accident history, theft rates, and vandalism levels when determining your premium, often making urban areas more expensive to insure.
Insurance costs differ by location—Aurora residents pay about $178 a month, whereas those in Fort Collins pay roughly $119.
| City | Average Monthly Rate |
| Greeley | $127 |
| Englewood | $138 |
| Fort Collins | $119 |
| Denver | $176 |
| Lakewood | $139 |
| Golden | $155 |
| Arvada | $140 |
| Boulder | $130 |
| Aurora | $178 |
| Broomfield | $137 |
Average Cost Of Auto Insurance In Grand Junction – By Zip Code
Insurance companies rely on zip codes to evaluate local crime rates, which is why insurance prices vary by location.
You can explore the table below to compare average car insurance rates in different Grand Junction zip codes.
| City | Average Monthly Rate |
| 81504 | $125 |
| 81506 | $101 |
| 81503 | $133 |
| 81507 | $94 |
| 81505 | $100 |
Find affordable Grand Junction rates
Our Methodology
I’ve examined Grand Junction, CO car insurance companies based on pricing, customer service, policy options, and insights from online review sites.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Grand Junction?
For Grand Junction drivers, State Farm provides the most affordable minimum coverage, while USAA has the best rates for full coverage, covering both collision and comprehensive damages.
What is the average cost of car insurance in Grand Junction?
In Grand Junction, auto insurance averages about $110 per month, but actual rates vary based on zip code, vehicle details, and driving history.
