Monthly Average Rates by Country, State, and City
car policy rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Colorado has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Grand Junction typically pay round $ 83.27 per calendar month compared to the national median of $ 135.17 per calendar month. The best way to get a depleted rate is by comparison shopping. SmartFinancial can do that for you at no monetary value while pairing you with a reputable insurance company sol you have no surprises if you have an accident .
| Area | Average Monthly Rate |
|---|---|
| National | $135.17 |
| Colorado | $115.53 |
| Grand Junction, Colorado | $83.27 |
Grand Junction, CO Best Car Insurance Companies
Certain insurers will offer you better rates than others based on a countless of factors, so you may get a better deal from one insurance company over another for assorted reasons, and that ’ s why it ’ s important to compare. According to our data, Kemper Premium by and large has the most low-cost car policy in Grand Junction coming in around $ 54.82 per calendar month. early companies to consider if you live in Grand Junction is Dairyland Realtime with an average monetary value of $ 61.02 per month and USAA which typically runs around $ 71.61 per calendar month. Check out the full tilt below. SmartFinancial rates the play along insurers as the best indemnity companies for drivers in Grand Junction .
| Rank | Company | Average Monthly Rate | Comparison State Average |
|---|---|---|---|
| 1 | Kemper premium | $54.82 | -52.55% |
| 2 | Dairyland Realtime | $61.02 | -47.18% |
| 3 | USAA | $71.61 | -38.01% |
| 4 | State Farm | $88.40 | -23.48% |
| 5 | Esurance | $108.29 | -6.27% |
| 6 | SAFECO | $108.53 | -6.06% |
| 7 | Metropolitan | $111.12 | -3.82% |
| 8 | Colorado Farm Bureau Mutual | $111.31 | -3.66% |
| 9 | Nationwide | $114.96 | -0.49% |
| 10 | Allstate | $117.56 | 1.76% |
How Much is Car Insurance in Grand Junction, CO?
Rates can vary from city to city. The residents of Aurora typically pay $ 138.57 per calendar month while people who live in Boulder will pay $ 112.97 per calendar month on average. See what people pay for cable car insurance in early cities in Colorado .
| Colorado Cities | Monthly Average Rate |
|---|---|
| Aurora | $138.57 |
| Boulder | $112.97 |
| Colorado Springs | $132.41 |
| Denver | $132.46 |
| Grand Junction | $88.19 |
| Littleton | $119.83 |
Cheap Car Insurance in Grand Junction by Zip Codes
Every zip up code rates differently with every insurance company. Your slide fastener code determines the crime rate in your area arsenic well as other risks. Below, you can see how average rates range across the country of Colorado. If you live in an area that is rated senior high school in crime, you can make certain to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make surely to tell your indemnity agent about the precautions you ’ rhenium take .
| Grand Junction, CO ZIP Code | Average Monthly Rate |
|---|---|
| 81501 | $82.39 |
| 81503 | $86.84 |
| 81504 | $90.87 |
| 81505 | $100.34 |
| 81506 | $84.32 |
| 81507 | $93.94 |
Car Insurance Rates by Driver’s Age Group in Grand Junction
generally speaking, you pay more in cable car insurance the younger you are and the older you are. Teens and young adults much pay around $ 172.79 per calendar month in Grand Junction. Compare that to drivers in their 30 ’ randomness who typically pay about $ 78.77 per calendar month drivers in their 40s at $ 70.40 per calendar month. It ’ mho always a good mind to check for discounts that apply at any age. Some discounts include away-at-school discount, condom driver discount, ripen driver discount rate, good student discount american samoa well as multi-policy and bundle discounts .
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $172.79 |
| 20s | $114.85 |
| 30s | $78.77 |
| 40s | $70.40 |
| 50s | $68.32 |
| 60s | $68.31 |
| 70+ | $82.92 |
Cheapest Insurance for Teenage Drivers in Grand Junction
If you are adolescent in Grand Junction you are credibly looking for a estimable deal on car insurance. Since adolescent drivers typically pay the highest rates of any other old age group, it ’ mho significant to compare multiple companies. According to our research, USAA typically charges around $ 125.94 per month. This is probable the most low-cost option in Grand Junction. You might besides want to consider Allstate and State Farm who besides offer dependable low-cost policies for adolescent drivers .
| Company | Average Monthly Rate |
|---|---|
| USAA | $125.94 |
| Allstate | $131.67 |
| State Farm | $168.33 |
| Metropolitan | $199.21 |
| Colorado Farm Bureau Mutual | $199.31 |
Cheapest Insurance for 20 Year-olds in Grand Junction
20 year-olds in Grand Junction might want to consider Dairyland Realtime who, on average, offers car indemnity rates around $ 68.70 per calendar month. USAA, SAFECO, State Farm and Esurance are besides in the acme 5 cheapest rates available .
| Company | Average Monthly Rate |
|---|---|
| Dairyland Realtime | $68.70 |
| USAA | $83.85 |
| SAFECO | $106.75 |
| State Farm | $111.43 |
| Esurance | $121.29 |
Cheapest Insurance for 30 Year-olds in Grand Junction
If you are in your 30s in Grand Junction our research has found that USAA typically has the most low-cost coverage coming in around $ 68.37 per calendar month, followed by State Farm at $ 79.77 and Esurance at $ 89.50 .
| Company | Average Monthly Rate |
|---|---|
| USAA | $68.37 |
| State Farm | $79.77 |
| Esurance | $89.50 |
| Metropolitan | $97.55 |
| Colorado Farm Bureau Mutual | $102.43 |
Cheapest Insurance for 40 Year-olds in Grand Junction
On modal, USAA offers car policy for 40 year-olds in Grand Junction for around $ 60.23 per month. If you are looking for low-cost coverage, you may besides want to consider State Farm or Esurance. The full list of top companies is below .
| Company | Average Monthly Rate |
|---|---|
| USAA | $60.23 |
| State Farm | $74.92 |
| Esurance | $89.80 |
| Nationwide | $94.65 |
| Colorado Farm Bureau Mutual | $94.98 |
Cheapest Insurance for 50 Year-olds in Grand Junction
frequently 50 year-olds enjoy some of the lowest rates of any other age group. In Grand Junction we found that Kemper Premium broadly offers the most low-cost coverage at $ 54.82 per calendar month .
| Company | Average Monthly Rate |
|---|---|
| Kemper premium | $54.82 |
| USAA | $56.17 |
| Dairyland Realtime | $58.14 |
| State Farm | $66.72 |
| SAFECO | $74.40 |
Cheapest Insurance for 60 Year-olds in Grand Junction
If you live in Grand Junction and you ’ re in your 60s, our data indicates that USAA normally has the best rates at $ 57.47 per calendar month. The top 5 list of cable car indemnity companies is below .
| Company | Average Monthly Rate |
|---|---|
| USAA | $57.47 |
| State Farm | $65.02 |
| Metropolitan
Read more: The Best Car Insurance Companies for 2022 |
$76.28 |
| Colorado Farm Bureau Mutual | $79.74 |
| Nationwide | $86.22 |
Driver’s Coverage Auto Insurance Rates in Grand Junction, CO
typically, drivers who presently have cable car insurance coverage will receive a cheaper monthly quotation mark than drivers who do not. Since car indemnity is a prerequisite in all 50 states, companies may question why you do n’t presently have coverage. Because of this, they may see you as a higher risk driver. In Grand Junction, the average monthly rate for a driver who is presently insured is $ 83.95 while drivers who are not presently covered will pay around $ 94.63 .
| Coverage | Average Monthly Rate |
|---|---|
| Not Currently Insured | $94.63 |
| Currently Insured | $83.95 |
Compare Recent Car Insurance Quotes in Grand Junction
Your vehicle plays a boastful part in how you rate for car indemnity. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you ’ ll need to pay that deductible if you have an accident. by and large speaking, the newer a cable car is, the more it ’ s worth, and you may pay more in premiums, but the latest condom features will earn you a discount. The overall safety ratings of a car are besides considered when determining your rate. In Grand Junction a driver of a 2004 Hyundai Tiburon can expect to pay around $ 69.67 per month while person that owns a 2001 DODGE RAM PICKUP 1500 may pay around $ 76.82 per month. Check out the list of late quotes in Grand Junction below .
| Vehicle | Average Monthly Rate |
|---|---|
| 2004 Hyundai Tiburon | $69.67 |
| 2001 DODGE RAM PICKUP 1500 | $76.82 |
| 2014 Toyota Rav4 | $77.32 |
| 1984 Toyota Land Cruiser | $40.13 |
| 2018 Dodge Journey | $118.43 |
| 2000 Lincoln Navigator | $68.32 |
| 1999 Lincoln Town Car | $50.72 |
| 2008 GMC Sierra | $59.82 |
| 2020 Kia Rio | $134.75 |
| 2010 Dodge Charger | $169.00 |
FAQ’s for Drivers in Grand Junction, CO
What Is the Minimum Liability Coverage Requirement in Grand Junction, CO? Colorado requires that all drivers carry cable car indemnity, and indemnity regulations are rigorously enforced by the Colorado Department of Regulatory Agencies, Division of Insurance. Drivers must carry $ 25,000 per person and $ 50,000 per accident of bodily injury and $ 15,000 per accident for property wrong. Although Colorado used to be a no-fault state, it now operates as a tort organization. This means fault must be established before any insurance caller pays a claim. This change was made to reduce insurance premiums and claims abuses .
- $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
- $50,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
- $15,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you
tied though it isn ’ metric ton required by law, finance and leasing vendors insist that you carry collision and comprehensive examination car policy on any finance fomite. They may besides require extra coverages. Consider this when calculating the price of your car lend. What Is the Blood Alcohol Concentration (BAC) limit in Grand Junction, CO? It ’ second illegal for individuals to operate a vehicle in Colorado with the follow BAC percentages :
- .08%+ for 21 years old or older
- .04%+ for commercial vehicle drivers
- .02%+ for under 21 years old
What are the consequences of being convicted of a DUI? The consequences of being convicted of a DUI in Colorado are severe and may include fines, probation, legal costs, jail time, and facility of an ignition interlock device. additionally, your driver ’ sulfur license will be suspended and you may be required to take alcohol department of education classes or attend an addiction treatment platform .
permute Time in Grand Junction, CO 16.3 Miles commute Time in United States 26.4 Miles 
Number of Nearest Insurance Agents in Grand Junction, CO 43 Methodology
The statistics listed on this page are from our own in house report. We track and read quotes that carriers have provided based on respective criteria. The rates and averages shown on this page should entirely be used as an estimate. About the Author
Fran Majidi
Insurance Expert
Fran Majidi manages content on SmartFinancial ‘s web site. She ‘s had about a ten ‘s worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor program in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given list, Afarin Majidi .