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81506 Home Insurance Rates & Premiums

Did you know there are over 11,412 people living within the 81506 zip code area? There are over 5,025 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 81506.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Colorado are on the rise. The estimated average premium is around $1,537 a year for a standard homeowners insurance policy in Grand Junction. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Grand Junction, CO Homeowners Insurance Quotes Online

81506 Home Insurance Average Premiums

Local 81506 homeowners insurance quotes comparison

$1287 /yr.

Shows Zip Code: 81506 lowest rates with discounts applied on average.

For the 81506, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$1287 /yr.
Average Coverage:$1537 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1837 /yr.

What is the average home insurance cost for a home in 81506?

  • • The average homeowners insurance premium paid annually for a home in 81506 is around $1537 per year.

What does it cost on average per month for home insurance in 81506?

  • • Homeowners in 81506 pay a monthly average cost per month around $128.00.

What kind of discount could I get if I combine my home and auto insurance together in 81506?

  • • Autoowners in 81506 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

You can easily shop and compare home insurance rates within Grand Junction, check out other zip codes nearby 81506.
To review average rates in another zip code, click on a zip code below:
81504  |  81501  |  81503  |  81507  |  81505  |  81506  | 

Home Replacement Cost Coverage in 81506

Average Building Cost Per Square Foot in 81506: $260

Location: Grand Junction, Colorado (Mesa County)

Average Square Footage in 81506: 1,281 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 81506 before you start any project. Grand Junction homeowners pay on average around $260 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 81506 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 81506 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,281 sq. ft. and the average cost to rebuild the home in this area is around $260 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Grand Junction area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$2601,281$333,100
Additional Upgrades & Added Features$3251,281$416,375
Major Home Updates or Advancements$3901,281$499,650

It's important to understand that when you estimate your replacement cost of your home in the 81506 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 81506

Best Home & Auto Insurance Agencies in 81506

Eric Lusby Insurance Agcy Inc - State Farm Insurance Agent

Address: 715 Horizon Dr, #490 Grand Junction, CO 81506
Phone:
Website:
Info:

Hallam & Associates Insurance Inc

Address: 743 Horizon Ct Grand Junction, CO 81506
Phone:
Website: http://www.gohallam.com
Info:

Housing Demographics for 81506

Population Review for 81506 Zip Code

For the city of Grand Junction, the population within 81506 has increased to over 12,649 residents in population size. The current population total is 11,412. We have broken down the population based on race below. In 81506, there are over 5347 in male population and 6065 females.

PopulationValues
Total Population11,412
White Population9952
Black Population65
Hispanic Population1058
Asian Population121
Hawaiian Population10
Indian Population67
Other Population292
Male Population5347
Female Population6065
Population Estimate12649

Household Data for 81506

The average number of homes in 81506 is around 5,025, there are an average of 2.19 per household. The average house value according to local real estate values is around $333,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode5,025
Persons Per Household2.19
Average House Value$333,100
Income Per Household$74136
Median Age52.7
Median Age Male49.3
Median Age Female56.4
81506 DetailsValues
StateCO
State Full NameColorado
City TypeP
City Alias AbbreviationGRAND JCT
Area Code970
CityGrand Junction
City Alias NameGRAND JUNCTION
CountyMesa
County FIPS077
State FIPS08
Time Zone7
Day Light SavingY
MSA2995
PMSA
CSA
CBSA24300
CBSA_DIV
CBSA_TypeMetro
CBSA_NameGrand Junction, CO
MSA_NameGrand Junction, CO MSA
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses421
Number Of Employees5822
Business First Quarter Payroll62443
Business Annual Payroll278113
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population146723
CBSA Division Population0
Congressional District03
Congressional LandArea49731.77
Delivery Residential5776
Delivery Business363
Delivery Total9327
Preferred Last Line KeyZ11456
Classification Code
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ11456
Land Area23.935000
Water Area0.005000
City Alias Code
City Mixed CaseGrand Junction
City Alias Mixed CaseGrand Junction
Box Count0
SFDU2619
MFDU862
State ANSI08
County ANSI077
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number073834
Unique ZIP Name
SSA State County Code06380
Medicare CBSA Code24300
Medicare CBSA NameGrand Junction, CO
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CaseMesa

Colorado Homeowners Insurance News & Information

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  • California Homeowners Still Struggling to Find Insurance Coverage — What You Can Do in Today’s Market Posted on Wednesday 6th May, 2026

    California homeowners aren’t imagining it—the insurance market has gotten significantly tougher over the past few years. What started as a wildfire-driven problem has now evolved into a full-scale availability and affordability challenge. As a professional homeowners insurance agent, I can tell you this: while the situation is difficult, there are still smart ways to secure solid […]