Grand Junction, CO Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Grand Junction, CO, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors that can influence the cost of car insurance in Grand Junction, CO are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Grand Junction, CO Auto Insurance Rates
- Grand Junction, CO Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Grand Junction, CO
- Multi Vehicle Insurance Savings in Grand Junction, CO
- How Credit Score Affects Car Insurance Rates in Grand Junction, CO
- How DUI Affects Auto Insurance Premiums in Grand Junction, CO
- Top Auto Insurance Agents Near Grand Junction, CO
- How Driving Violations Affect Auto Insurance Rates in Grand Junction, CO
- Grand Junction, CO Auto Insurance Discounts on Anti Theft Feature
- Grand Junction, CO Auto Insurance Company Reviews
Grand Junction, CO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Grand Junction, CO with that of other cities in and around Grand Junction.
| Grand Junction | Fruitvale | Redlands | Orchard Mesa | Whitewater-Kannah Creek | Palisade | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,031 | $1,753 | $1,817 | $1,743 | $1,816 | $1,750 |
Grand Junction, CO Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Grand Junction, CO based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Grand Junction | $1,813 | $1,531 |
| Redlands | $1,888 | $1,595 |
| Orchard Mesa | $1,484 | $1,254 |
| Fruitvale | $1,236 | $1,044 |
| Mesa County | $2,132 | $1,801 |
| Clifton | $1,833 | $1,549 |
| Palisade | $1,495 | $1,262 |
| Whitewater-Kannah Creek | $1,407 | $1,188 |
Grand Junction, CO Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Grand Junction, CO usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,345 |
| 20 Years | $1,325 |
| 30 Years | $1,020 |
| 40 Years | $982 |
| 50 Years | $909 |
| 60 Years | $922 |
| 70 Years | $1,073 |
Grand Junction, CO Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Grand Junction, CO can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,815 | $247 |
| 3 Vehicles | $2,722 | $371 |
| 4 Vehicles | $3,629 | $495 |
Savings on 2 Vehicles bundle:$247
Savings on 3 Vehicles bundle:$371
Savings on 4 Vehicles bundle:$495
Grand Junction, CO Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Grand Junction, CO.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Grand Junction | $1,031 | $1,558 |
| Redlands | $1,817 | $2,746 |
| Orchard Mesa | $1,743 | $2,634 |
| Fruitvale | $1,753 | $2,650 |
| Mesa County | $1,449 | $2,190 |
| Clifton | $1,740 | $2,630 |
| Palisade | $1,750 | $2,645 |
| Whitewater-Kannah Creek | $1,816 | $2,745 |
Grand Junction, CO Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $885 |
| Excellent (740-799) | $1,010 |
| Good (670-739) | $1,074 |
| Average (580-669) | $1,402 |
| Poor (300-579) | $1,682 |
Grand Junction, CO Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Steve Kendrick | State Farm | 640 Rood Avenue, Grand Junction, 81501 | 970-242-9951 |
| Doug Deweber | Allstate | 332 E Aspen Ave Ste 200, Fruita, 81521 | (970) 639-9910 |
| Michael Baker | Farmers | 436 Independent Ave, Grand Junction, 81505 | (970) 242-5201 |
| Moody-Valley Insurance Agency | Liberty Mutual Independent | 760 HORIZON DR STE 302, GRAND JUNCTION, 81506 | 970-248-8300 |
| Kyle Turley | Allstate | 1048 Independent Ave Ste A101, Grand Junction, 81505 | (970) 243-0484 |
| Lavonne Gorsuch | State Farm | 501 Highway 50, Grand Jct, 81503-1907 | 970-243-1117 |
| Grand Valley Insurance Services Inc | None | 575 32 Road, Clifton, 81520 | None |
| Robert Allen | Farmers | 1673 Highway 50 Unit A, Grand Junction, 81503 | (970) 256-7444 |
| Robert Allen | Farmers | 1673 Highway 50 Unit A, Grand Junction, 81503 | (970) 256-7444 |
Grand Junction, CO Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$45 | $1,076 |
| Driver's Failure In Showing Documents | +$100 | $1,131 |
| Driving With An Expired Registration | +$106 | $1,137 |
| Driving At A Considerably Slow Pace | +$224 | $1,255 |
| Using A Cellphone While Driving | +$236 | $1,267 |
| Running A Red Light | +$240 | $1,271 |
| Speeding | +$253 | $1,284 |
| Driving A Vehicle Without The Required Permission | +$321 | $1,352 |
| Driving With An Expired/Suspended License | +$695 | $1,726 |
Grand Junction, CO Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $990 |
| Active Disabling Device | $990 |
| Tracking Device | $969 |
| Passive Disabling Device | $959 |
Latest Auto Insurance Reviews in Grand Junction, CO | Back to Top
UsaaI would recommend this company if you were looking for the cheapest rate around and really excellent customer service, that seems to come across with a smile.
State FarmMy insurance company offers multi policy discounts. I really like that. It is always nice to save money. I know others do the same but I have never had an issue.
ProgressiveI am extremely happy with the customer service that Progressive has. They are friendly, polite, efficient, and I have absolutely no complaints whatsoever regarding their customer service.
American Family InsuranceMy policy is the same as most policies in the usa and I have standard policy covered on my vehicle. I think it's a bit too much though.
Allstategood strong name and reputable company. I feel confident and assured having my insurance with them. I am in good hands.
TravelersThere's nothing I haven't liked. We have called them on the beach when we have locked our keys in the car and they have come to help us at our most dire times. 5/5.
Horace MannA combination of multi-vehicle, multi-line discounts as well as coordination of certain coverages designed to help indemnify other assets.
ProgressiveI feel as if the premium is a lot lower than most other companies. I feel like I get a much better loyalty credit than I would get with any other company offering the same plan.