Grand Junction Auto Insurance Rates, Quotes, Agents & Reviews in CO

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.

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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 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

Usaa
I 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 Farm
My 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.
Progressive
I 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 Insurance
My 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.
Allstate
good strong name and reputable company. I feel confident and assured having my insurance with them. I am in good hands.
Travelers
There'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 Mann
A combination of multi-vehicle, multi-line discounts as well as coordination of certain coverages designed to help indemnify other assets.
Progressive
I 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.