Grand Junction Insurance

START HERE with Liability only and potentially get insured for $80.00! This is the required insurance amount to drive legally in Colorado.

The Colorado required minimum liability limits are 25/50/15 which stands for $25,000 per person for bodily injury up to $50,000 per accident for Bodily injury (if multiple people are involved) and up to $15,000 for Property Damage.

National General$80
Bristol West$94
The General$100
Mendota Ins. Company$103
Progressive Insurance$103
American Family$110
Liberty Mutual$117
State Farm$118

What Are The Minimum Liability Limits I Need For Auto Insurance In Colorado?

Who Has The Cheapest Rates For Grand Junction Insurance – Auto Insurance?

Traditionally, we have found that Progressive, Dairyland, Bristol West and Mendota have all had competitive rates in Grand Junction Colorado for auto insurance.


Grand Junctions Nearby Cities And Neighborhoods 

Grand Junction Colorado is a wonderful place. What many do not realize is how close it is to so many towns and cities. If you look on a map it does seem like Grand Junction Colorado is in the middle of nowhere. In reality though it is close to so many cities and neighborhoods such as Glade Park, Mack, Mesa, Loma And Clifton. Folks in this area know that driving is super important. Having the right insurance coverage means the complete difference between getting to point A or point B.

Neighborhoods in Grand Junction, ColoradoCities Near Grand JunctionZip Codes in Grand Junction
AppletonMesa, CO81501
RedlandsMack, CO
Easter HillClifton, CO
RosevaleGlade Park, CO
Loma, CO

How Do Violations Affect Your Rates In Grand Junction?

What’s interesting about Grand Junction, Colorado is that violations and car insurance do you make a huge difference and how much you pay each and every year in premiums. Simply put the more violations that you have on your motor vehicle report the more you are going pay for car insurance. And if you pay less for car insurance that means you simply have less violations on your motor vehicle report in the state of Colorado.

That’s why it’s super important if you live in Grand Junction Colorado to make sure that you drive to the best of your abilities. Talk to your local Agent to see how long violations will stay on your record and how much extra you will pay for that amount of time. See the data below to see which violations apply in your area.

Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
Non-At-Fault AcccidentMinorNA*
SpeedingMinor3 Years
Failure to Secure Load to truck/trailerMinor3 Years
Using a Cell Phone with DrivingMinor3 Years
Failure to Use a Seat BeltNon MovingNA*
Improper Lane useMinor3 Years
Failure to maintain Clear Distance (tailgatingMinor3 Years
Failure to Use Turn SignalMinor3 Years
Failure to YeldMinor3 Years
Failure to Stop for a Pedestrian Side walkMinor3 Years
Running a Traffic Light or Stop SignMinor3 Years
Reckless DrivingMajor5 Years

Insurance Discounts From Each Company

So many companies offer so many discounts in Grand Junction Colorado. Each and every company offers different discounts. For instance Progressive will offer a snapshot discount while Allstate will offer you accident forgiveness discounts. There are so many discounts out there that  can save you so much money and the smart thing to do is to talk to your agent and see how much you can really save depending on how many discounts you can qualify for. See the chart below to see how Progressive and Diaryland compare.

Advanced QuoteMarried
Paid in FullPaid in Full
Continuous InsuranceNo Accidents or Violations
HomeownersContinuous Insurance
Paperless DiscountHomeowners
Auto PayMulti Vehicle
MilitaryMulti Policy
Multi PolicyAuto Pay
Education DiscountMilitary
No Accidents or Violations 
Multi Vehicle 

Other Types Of Insurance That We Offer In Grand Junction

Here at A Plus Insurance we offer more products besides auto insurance for your convenience! Some of our most competitive products are home, condo, renters, motorcycle, and RV insurance. These products are also available to bundle with some of our carriers. We also offer business liability insurance, and umbrella policies as well! See the date below for more products we offer in Grand Junction.

Type of CoverageOur Top Companies
Commercial Auto InsuranceProgressive
Home InsuranceTravelers, ASI, Foremost Star
Car InsuranceProgressive, Dairyland,
Boat InsuranceTravelers, Progressive
RV InsuranceProgressive, Travelers
Motorcycle InsuranceDairyland, Progressive
Business InsuranceBTIS, Hiscox

Auto Insurance Premiums in Grand Junction

Graph entails different insurance rates by carriers for Grand Junction Colorado

After decades of serving millions of customers across the United States, auto insurance companies, and the policies they sell still pose a mystery to potential clients. A variety of factors goes into determining the premium that one must pay and the coverage that they receive. 

Grand Junction is home to a number of different insurance companies. The following tips will help you choose the best agent that sells insurance in Grand Junction:

grand junction insurance Graph entails different insurance rates by carriers for Grand Junction Colorado


One of the best ways to find auto insurance in Grand Junction is to get recommendations from friends, families and local businesses. In a city like Grand Junction CO, advertising for auto insurance agencies is often done by word-of-mouth by customers, so finding good and bad reviews for most of the agencies shouldn’t be a problem.  One of our companies we write insurance through is The General.

Local businesses such as auto shops and car dealerships have likely dealt with many of the agencies in town. Ask them about the level of service they receive and how quickly claims are processed. This will give you a good idea of the type of customer service you’ll receive if you do business with them.

Additional Coverage and Policy Extras

Many of the agents that offer auto insurance Grand Junction work with nationally-recognized companies while others own independent franchises. This factor may determine the type of coverage provided, which extras are available as part of the policy you purchase and the price you pay.

Call various auto insurance agencies in Grand Junction to see what types of policies they offer and if they include any extras at no additional cost. Should you do quite a bit of traveling, you might look into getting a policy that includes complimentary emergency services such as towing and rental cars. If you know you qualify for certain discounts, let us know.  But don’t worry our agents are good at finding all of the discounts available to you.

Above All Else: Grand Junction insurance Customer Service

When looking for grand junction insurance, customer service should be the primary factor in deciding which agent you choose. Someone from their office should be available to answer questions and respond to your calls should you be involved in an accident. For information on SR22 insurance click here.

Protect Yourself With The Right Amount Of Car Insurance And Take To The Road With Confidence!

Give us a Call

Phone: (970) 812-4118

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Last Updated on by Shawn Christie