Cheapest Car Insurance Quotes in Grand Junction

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Grand Junction Car Insurance

^$ 30

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Grand Junction

The car insurance rate in Grand Junction is $1141 for a six-month policy, which is $263 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $556, making it a popular choice for budget-conscious drivers. Rates in Grand Junction can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Grand Junction

$1141

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Grand Junction

1st place: AutoOwners Insurance Co

At $556 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $586 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Tennessee Farm Bureau

Tennessee Farm Bureau offers auto insurance rates at $625 for six months, making it the third cheapest auto insurance company in Grand Junction.

Grand Junction Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Grand Junction, TN is AutoOwners Insurance Co, offering policies at just $556 for a six-month term. This is followed by Westfield, which has an average six-month premium of $586.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1876 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Grand Junction drivers find the best deals.

Cheap Car Insurance Companies in Grand Junction, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$556	$95
Westfield	$586	$98
Tennessee Farm Bureau	$625	$107
Erie	$872	$147
Travelers	$911	$153
USAA	$988	$166
Grange	$1074	$181
Farm Bureau of Tennessee	$1112	$186
Auto-Owners	$1143	$194
Farmers	$1235	$208
Tennessee Farmers	$1243	$212
Penn National	$1344	$224
Nationwide	$1490	$254
State Farm	$1505	$254
Progressive	$1715	$289
Allstate	$1876	$313

Key Takeaways

Way's key takeaways about car insurance in Grand Junction

The auto insurance costs in Grand Junction fall around $556 for six months.
The cheapest auto insurance company in Grand Junction is Westfield.
Teen drivers pay the highest rate in Grand Junction at $1169 per month.

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Cheapest Minimum Liability Car Insurance in Grand Junction

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Grand Junction are given below.

Westfield provides the cheapest minimum car insurance coverage in Grand Junction. Their Average 6 Month Premium is $178. Allstate is the most expensive at $625 for the same period.

Cheapest Liability Coverage in Grand Junction, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$178	$30
Auto-Owners Insurance Co	$208	$35
Tennessee Farm Bureau	$216	$36
Farm Bureau of Tennessee	$224	$38
Tennessee Farmers	$255	$43
USAA	$255	$43
Cincinnati	$263	$44
Erie	$294	$49
Travelers	$294	$49
Penn National	$317	$53
Auto-Owners	$332	$56
Farmers	$363	$61
State Farm	$378	$64
Progressive	$425	$72
Allstate	$625	$105

Cheapest Full Coverage Car Insurance in Grand Junction

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Grand Junction is AutoOwners Insurance Co at $95 per month and $556 for six months.

Cheapest Full Coverage Car Insurance Quotes in Grand Junction, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$556	$95
Westfield	$586	$98
Tennessee Farm Bureau	$625	$107
Erie	$872	$147
Travelers	$911	$153
USAA	$988	$166
Grange	$1074	$181
Farm Bureau of Tennessee	$1112	$186
Auto-Owners	$1143	$194
Farmers	$1235	$208
Tennessee Farmers	$1243	$212
Penn National	$1344	$224
Nationwide	$1490	$254
State Farm	$1505	$254
Progressive	$1715	$289
Allstate	$1876	$313

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Average Car Insurance in Grand Junction by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Grand Junction, TN increasing?

Despite maintaining a clean driving record, your car insurance rates in Grand Junction, Tennessee, may be increasing due to several external factors. Tennessee has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Grand Junction's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Grand Junction

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Grand Junction,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Grand Junction at $35 per month. At $6873 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$208	$35
Tennessee Farm Bureau	$294	$49
Auto-Owners Insurance Co	$309	$52
Grange	$332	$56
Cincinnati	$339	$57
Erie	$1143	$192
USAA	$1143	$192
Travelers	$1205	$203
State Farm	$1823	$307
Farmers	$2085	$351
Progressive	$3081	$519
Auto-Owners	$3961	$660
Allstate	$6873	$1169

Teen Car Insurance Rates in TN by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Grand Junction, Tennessee Farm Bureau is the cheapest car insurance provider. At $247 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Grand Junction is State Farm, offering rates of around $6471 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$247	$42
Westfield	$324	$55
Grange	$386	$65
Cincinnati	$455	$78
Travelers	$1158	$195
Farmers	$1336	$225
USAA	$1366	$228
Progressive	$1537	$259
Erie	$1568	$264
Auto-Owners	$3020	$514
Allstate	$3267	$545
State Farm	$6471	$1100

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Save up to $971/yr on car insurance rates in Grand Junction.

Car Insurance Rates with An Accident in Grand Junction

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Grand Junction, TN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Grand Junction

The cheapest car insurance companies after an at-fault accident in Grand Junction include Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $216 and $224, respectively. Allstate is an expensive provider with an average six-month premium of $3745.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$216	$36
Farm Bureau of Tennessee	$224	$38
Westfield	$302	$51
Auto-Owners Insurance Co	$386	$66
Grange	$417	$69
Travelers	$641	$108
Erie	$703	$118
USAA	$718	$121
State Farm	$764	$129
Farmers	$872	$147
Progressive	$1336	$225
Auto-Owners	$1946	$332
Allstate	$3745	$624

Grand Junction Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Grand Junction TN. For example, the car insurance in Grand Junction after a DUI increases to $1289 for a six month policy. While the rate increases by $247 for a six-month policy in the case of a speeding ticket.

Grand Junction auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1290	$215
Not-at-fault accident	$1297	$221
One Med/PIP claim	$1305	$217
One comp claim	$1321	$225
Two comp claims	$1336	$222
Two Med/PIP claims	$1336	$228
Failure to wear a seat belt	$1482	$247
Failure to show documents	$1505	$256
Child safety restraint	$1513	$252
Driving without lights	$1513	$257
Cell phone violation	$1537	$256
Driving with expired registration	$1537	$261
Speeding 6 - 10 MPH over limit	$1537	$256
Driving too slowly	$1544	$263
Speeding 11 - 15 MPH over limit	$1544	$257
Speeding in school zone	$1544	$263
Failure to yield	$1552	$259
Following too closely	$1552	$264
Illegal turn	$1552	$259
Speeding 16 - 20 MPH over limit	$1552	$264
Texting while driving	$1552	$259
Improper passing	$1568	$267
Wrong way/wrong lane	$1568	$261
Failure to stop at a red light	$1576	$268
In 65 MPH zone	$1599	$267
Speeding 21 - 25 MPH over limit	$1637	$278
At-fault accident - less than $1000	$1660	$277
Passing school bus	$1660	$282
Operating a vehicle without permission	$1760	$294
Open container	$1776	$302
At-fault accident - $1000-$2000	$1915	$320
At-fault accident - greater than $2000	$1915	$325
Reckless driving	$2417	$403
Racing	$2425	$412
Driving with a suspended license	$2487	$415
Refusal to submit to a chemical test	$2532	$430
DUI	$2579	$430
Leaving scene of an accident/hit and run	$2579	$438

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Grand Junction after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Grand Junction.

The cheapest car insurance premiums in Grand Junction are offered by Tennessee Farm Bureau at $339 for a six-month policy. However, it can be as expensive as $2718 with companies like AutoOwners.

Grand Junction car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$339	$57
Grange	$525	$87
Travelers	$896	$151
Farmers	$1027	$173
USAA	$1221	$205
Erie	$1266	$213
Progressive	$1274	$215
Tennessee Farmers	$1498	$250
State Farm	$1513	$255
Allstate	$2324	$391
Auto-Owners	$2718	$463

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Grand Junction are offered by Westfield at $208. However, it can be as expensive as $2742 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Grand Junction after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$208	$35
Tennessee Farm Bureau	$216	$36
Auto-Owners Insurance Co	$302	$51
Cincinnati	$317	$53
Chubb	$347	$59
Erie	$749	$126
Travelers	$888	$150
USAA	$911	$155
State Farm	$988	$166
Auto-Owners	$1143	$194
Progressive	$1429	$241
Farmers	$1946	$332
Allstate	$2742	$456

Car Insurance Price Trends in Grand Junction, Tennessee

Car insurance rates in Grand Junction have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Grand Junction rose by $226 in January compared to $125 of December. In other words, there has been an increase by $101 when you compare January and December.

The average cost of liability insurance in the Grand Junction rose to $55 in January, compared to $48 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Grand Junction?

The car insurance in Grand Junction is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Grand Junction?

The cheapest car insurance in Grand Junction is $95 per month for full coverage.

How much is car insurance in Grand Junction for teenagers?

Car insurance for teenagers costs $208 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Grand Junction?

The average cost of car insurance is $878 for a six-month policy. It will cost around $192 per month to insure your car in Grand Junction.

Is car insurance expensive in Grand Junction?

Car insurance can be expensive in Grand Junction if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Grand Junction can be affordable.

Cheapest Car Insurance Quotes in Grand Junction

Why you can trust Way?

How Much Is Car Insurance in Grand Junction

Avg. Car Insurance in Grand Junction

Avg. Car Insurance in Tennessee

National Average

Cheapest Car Insurance Companies in Grand Junction

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Grand Junction Car Insurance Rates by Company

Cheap Car Insurance Companies in Grand Junction, TN

Way's key takeaways about car insurance in Grand Junction

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Grand Junction

Cheapest Liability Coverage in Grand Junction, TN

Cheapest Full Coverage Car Insurance in Grand Junction

Cheapest Full Coverage Car Insurance Quotes in Grand Junction, TN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Grand Junction by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Grand Junction, TN increasing?

Car Insurance Premiums by Age in Grand Junction

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Grand Junction,TN

If you are in your twenties N/A is the best choice for car insurance in Grand Junction.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Grand Junction

Cheapest Car Insurance Companies after an At-Fault Accident in Grand Junction

Grand Junction Car Insurance Rates by Violation

Grand Junction auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Grand Junction after a DUI

Grand Junction car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Grand Junction after Speeding ticket

Car Insurance Price Trends in Grand Junction, Tennessee

Average Car Insurance Cost in Grand Junction by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Grand Junction, TN

Car Insurance Rates by State in the USA (2025 Update)

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