Cheapest Auto Insurance in Grand Junction, Colorado (2025)

In Grand Junction, Colorado, the average cost of car insurance is $114 per month. The good news is this is less than the nationwide average cost of $144 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.

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.

Best insurer for military members and families: USAA

Best insurer for discounts: State Farm

Best insurer for bundling: GEICO

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.

Cheapest liability-only car insurance in Grand Junction: Progressive

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 Progressive, with an average rate of $57 per month, but the table below shows other cheap options to consider.

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 $153 per month, and the table below shows the cheapest full-coverage car insurance companies.

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

While the state requires drivers to maintain minimum coverage levels, you can add additional coverages to your auto insurance policy for extra protection:

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 $129 per month, and here’s how different incidents can affect average car insurance quotes.

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.

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.