Grand Junction Insurance Rates:

Grand Junction, CO home insurance is approximately $746 to $1,010, about $62-$84/month. Our in depth guide reveals consumers can save upto $351 by comparing many quotes

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Grand Junction, Colorado Homeowners share the good, bad & ugly reviews of thier insurance providers so that you can compare quotes from the best

Grand Junction Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $890/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $260,000

5 Beds, 5 Baths 1950 sqft Rental Property Constructed In 1989 with Wood Flooring, Tile Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

74 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $860/7 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $325,000

4 Beds, 4 Bath 3340 sqft Vacation Property Constructed In 2000 with Carpet over wood flooring, Metal Roof, Slab Foundation, Vinyl siding, Wood Frame. Home Features Include Fireplace, Fire Extinguisher, Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $320/3 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $310,000

4 Beds, 4 Bath 2760 sqft Primary Residence Constructed In 2014 with Hardwood Flooring, Slate Shingles Roof, Chainwall Foundation, Vinyl siding, Wood Frame. Home Features Include Fireplace, Central Air Conditioning, Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $420/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $260,000

3 Beds, 3 Bath 2120 sqft Rental Property Constructed In 1964 with Carpet Flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Swimming Pool, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Divorced Male who has a Full Time Job with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $1780/10 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $565,000

5 Beds, 5 Bath 4310 sqft Seasonal Residence Constructed In 1984 with Carpet Flooring, Composition Roof, Slab Foundation, Wood siding, Metal Frame Construction. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Single Male who has a Full Time Job with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $320/4 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $195,000

3 Beds, 3 Bath 1990 sqft Vacation Property Constructed In 1996 with Stone Flooring, Membrane Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Fireplace, Deadbolt Locks, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

54 Years old Married Female who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $550/7 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

3 Beds, 3 Baths 2030 sqft Primary Residence Constructed In 1998 with Ceramic Tile Flooring, Metal Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

36 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $590/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $225,000

5 Beds, 5 Baths 1910 sqft Vacation Property Constructed In 1983 with Carpet over wood flooring, Wood Shake Roof, Crawl Space Foundation, Stucco siding, Stucco Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $600/3 months for $300,000-$350,000 Coverage
Policy Holder Home Details :

Home Value : $330,000

4 Beds, 4 Baths 2157 sqft Rental Property Constructed In 1970 with Carpet over wood flooring, Membrane Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Grand Junction, CO Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
81506 $287,600 $910
81505 $265,100 $910
81503 $199,200 $880
81501 $175,600 $880

Grand Junction Rates & Quotes Analysis:

Grand Junction Area Estimated House Insurance
Terrace Dr, Conifer Ct, Ptarmigan Ridge Cir, 27 3/8 Rd, Prairie Wind Dr, Eagle Wood Ct, W White Ave, Laguna Ave, Pear Rd, Huffer Ln$869
Columbus Canyon Rd, Hummingbird Ct, Cider Mill Rd, N 11th St, Tiara Ct, Dakota Dr, Glendale Way, Gerken Rd, E Main St, Santa Clara Ave$927
Arriba Dr, S Broadway, Marianne Dr, Vencino Dr, 19 1/2 Rd, Laddie Way, Rimrock Rd, N 26th St, Maple Ct, N 11th St$888
Glen Rd, Montero St, Merle's Way, Bristol Ct, Trail's End Ct, N Arriba Cir, Red Cloud Ln, Railroad Ave, Country Lane Ct, Golfmore Dr$865
W Ute Ave, Brookwood Dr, 22 1/2 Rd, 29 1/2 Rd, Gunnison Way, Seely Rd, Kathy Jo Ln, Cambridge Rd, Mowry Dr, 29 3/8 Rd$885
Nine Iron Dr, Apple Blossom Rd, Pine Terrace Ct, Spyglass Dr, Crest Ct, Commerce Blvd, Cambridge Ct, Flora Ct, Charis Ct, Concord Ln$923
S Sunset Ct, Indian Wash Cir, Ronlin Dr, Snow Mesa Ln, Acacia Ave, Dodge St, Round Rock Cir, Sunlight Dr, Franklin Ave, 26 Rd$874
Driftwood Ln, Shadow Lake Ct, Capitol Ln, Budlong St, E Hanover Cir, Windsor Ct, Ravenwood Ln, Tiara Dr, Red Mesa Heights Rd, Compton St$919
Bell Ridge Ct, Melody Ln, River-Side Park Dr, B 4/10 Rd, Serenity Ct, Evanston Ave, Hollingsworth St, E Valley Dr, Spr Cross Rd, Meadows Ct$873
Linda Ln, Country Rd, Sunburst Ct, Cortland Ct, Rhine Ct, Beta Pl, Price Ditch Ct, Mason Dr, Pierce Ave, Dover Ct$872

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,884 Homes (23% of total) built between 1970 to 1979 in Grand Junction are paying home insurance between $1,423-$1,437 and differs from Redlands (+$42), Whitewater-Kannah Creek (+$44), Loma (+$99), Clifton (-$19) and Palisade (-$20).
  • Bedrooms: 17,939 3 bedrooms homes (48% of total homes ) in Grand Junction are paying about $457 and differs from Redlands (+$13), Whitewater-Kannah Creek (+$14), Loma (+$32), Orchard Mesa (-$3) and Clifton (-$6).
  • Auto Insurance Bundling: 10,251 Households (43% of all households) in Grand Junction have 2 vehicles available and when it is bundled with home insurance you can save $175. Discounts for similar bundling in close by locations such as Redlands, Orchard Mesa, Fruitvale come to $180, $174, $174 respectively.
  • Senior Discounts: 12,847 seniors (more than 55 years) occupied housing units (54% of total) in Grand Junction get discounts between $131 to $133. The comparative concessions in proximate regions such as Redlands, Orchard Mesa and Fruitvale are $135, $130 and $131 respectively.
  • New Homes discounts: New homes such as the 16,376 homes built between 2000 to 2009 in Grand Junction can save $175 and similar new home insurance discounts in nearby towns and cities like Redlands, Orchard Mesa and Fruitvale are $180, $174 and $174 respectively.

Grand Junction Homeowners insurance Facts

  • Grand Junction, CO has 23,687 owner occupied houses which is 66.8% of all units whereas Redlands, Orchard Mesa and Fruitvale have 83.77%, 79.85% and 87.54% respectively.
  • Grand Junction, CO homeowners yearly insurance price at $878 is 0.41% of the typical house value of $214,000 which is in contrast with 0.31% in Redlands, 0.44% at Orchard Mesa & 0.44% in Fruitvale.
  • Homeowners in Grand Junction, CO pay 7.02% of their income ($10,000 to $14,999) in insurance whereas homeowners in Redlands, Orchard Mesa and Fruitvale pay 7.22%, 6.98% and 6.99% respectively.
  • Grand Junction, CO’s insurance is 5.2% of monthly housing costs of $1,399/month, for owners with a mortgage compared to 4.71% in Redlands, 5.46% at Orchard Mesa & 5.55% in Fruitvale. But, for households without a mortgage, insurance is 23.2% of costs ($316 in Grand Junction, CO) in contrast with 21.2% in Redlands, 24.74% at Orchard Mesa & 25.74% in Fruitvale.

Grand Junction, CO Home Values & Insurance rates

For example, insurance for 3,032 Homes (14.0% of total homes ) valued between $175,000 to $199,999 in Grand Junction, CO is about $763. Rates in nearby areas in such as Redlands, Mesa County, Whitewater-Kannah Creek are cheaper by $186, $8, $202 respectively while Orchard Mesa and Fruitvale are costlier by $57 and $49 respectively for similar homes.

Grand Junction, CO Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,169 5.0% $96
$80,000 to $89,999 220 1.0% $342
$100,000 to $124,999 1,100 5.0% $447
$125,000 to $149,999 1,729 8.0% $561
$150,000 to $174,999 2,655 12.0% $658
$175,000 to $199,999 3,032 14.0% $763
$200,000 to $249,999 4,703 22.0% $921
$250,000 to $299,999 3,022 14.0% $1123
$300,000 to $399,999 2,904 13.0% $1431

Renters Insurance in Grand Junction

  • Average Renters Insurance in Grand Junction :  $201($16/month)

  • Median Gross Rent in Grand Junction :  $855

  • Grand Junction Renters Insurance to Median Rent Ratio:  1.87%

  • Renter occupied housing units in Grand Junction :  11,755

Grand Junction Renters Insurance as a Percentage of Rent

Grand Junction Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 314 2.0% $350
$200 to $299 633 5.0% $800
$300 to $499 786 6.0% $1250
$500 to $749 3,047 27.0% $1925
$750 to $999 2,490 22.0% $2675
$1,000 to $1,499 3,082 27.0% $3800
$1,500 or more 910 8.0% $5450

Rent Affordability in Grand Junction:

Approximately 46.0% (5,519) of households are spending more than 35% of their income on gross rent in Grand Junction

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,090 9.0%
15.0 to 19.9 percent 1,388 11.0%
20.0 to 24.9 percent 1,416 12.0%
25.0 to 29.9 percent 1,453 12.0%
30.0 to 34.9 percent 889 7.0%
35.0 percent or more 5,519 46.0%

Grand Junction Renters Insurance Discounts:

Grand Junction Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Grand Junction, CO Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 5,216 44.0% $20.1
2 vehicles available 3,250 27.0% $30.15
3 or more vehicles available 1,423 12.0% $40.2

Protective device discount in Grand Junction Up to :  $30

Claims-free discount in Grand Junction Up to :  $40