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How much is car insurance in Grand Junction?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $14 a month cheaper to insure your vehicle in Grand Junction 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. Auto insurance coverage in Grand Junction is about $23 cheaper than it is for the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Grand Junction, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in figuring out your monthly premium.
Don't sweat it however, we've broken down average rates for Grand Junction residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
It makes sense that older drivers would have more experience behind the wheel. When it comes to your monthly premium, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates creep back up in Grand Junction.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. While this isn't true in Grand Junction, the difference in monthly rates is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Grand Junction, a driving record with a single accident will usually get you a rate around $80 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $73.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$116|
|15 Years or Older||$54|
According to the first table above, the cheapest vehicles to insure in Grand Junction are typically SUVs, at $53 per month.
Car owners will see rates of about $62, while truck and van owners by and large pay around $54 a month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. 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)||$61|
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|
Another factor that comes into play is your housing status. If you rent your home or apartment in Grand Junction, expect to pay around $6 a month more than if you are a homeowner. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
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.
In Grand Junction, car insurance rates have been mixed over the past few years. They fell in 2017, increased in 2019, and dropped again in 2021, before finishing at $51 in 2022.
How does Grand Junction compare to neighboring areas?
Why are car insurance rates in Grand Junction different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Local crime rates
- Availability of off-street parking
- Total number of drivers in the area
- Community regulations
- Rate of car accidents
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Grand Junction?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Just type in your ZIP Code below, answer a few questions about you and your car, and you'll be quickly comparing the cheapest quotes from several of the car insurance companies that offer policies in Grand Junction.
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Grand Junction Insurance FAQs
What factors affect car insurance quotes in Grand Junction?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
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?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
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?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Grand Junction or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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