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How much is car insurance in Grand Junction?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Grand Junction is about $12 cheaper than it is in the rest of Colorado.
If you're thinking of moving to Grand Junction from out of state, you may still be in luck. Car insurance rates for the United States as a whole are, on average, $21 more expensive than the rates you'd pay in Grand Junction.
Bear in mind that while these rates are the average costs for Grand Junction drivers, it doesn't mean that's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
But don't worry, we've broken down average rates for Grand Junction residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The older you are, the more experienced you are on the roads. When it comes to car insurance bills, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay $63 more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates start to rise again in Grand Junction.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Grand Junction, however, men actually pay a little bit less than female drivers for auto insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Grand Junction with one accident will pay around $77 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $95.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$116|
|15 Years or Older||$55|
If you look at the first table above, you'll see that SUVs are typically the cheapest vehicles to insure in Grand Junction, with drivers paying around $54 per month for auto insurance coverage.
Truck and van drivers will see rates of about $55, while the rates for car owners average out to about $61 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Grand Junction are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$62|
On average, people who are married will pay slightly less for auto insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Grand Junction as well, where the difference is around $5 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$87|
Your housing situation is another factor that affects your monthly rate. Renters can expect to pay around $4 a month more than drivers who own property in Grand Junction. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Grand Junction, CO
Recent trends in car insurance for Grand Junction drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for car insurance in Grand Junction increased from 2016-2017, where they hit a high of $67, before steadying out in 2018. Insurance rates had been increasing once again in 2019, and have continued rising through 2021, where they reached $65 a month.
How does Grand Junction compare to neighboring areas?
Why are car insurance rates in Grand Junction different from other areas?
Car insurance companies will take into account many factors when figuring out how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Total number of drivers in the region
- Off-street parking access
- Prevalence of crime
- Road Safety (how many accidents each locality has)
- Local laws
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Grand Junction?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Luckily, Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from the many car insurance companies offering coverage in Grand Junction.
Grand Junction Insurance FAQs
What factors affect car insurance quotes in Grand Junction?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.
Why is the cost of car insurance in Grand Junction different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Grand Junction?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Grand Junction?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Grand Junction or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.