Travelers offers the lowest car insurance rates in Grand Rapids, with average annual premiums of $241 for minimum coverage and $764 for full coverage. AAA, GEICO, Progressive and Auto-Owners also provide affordable options in the city.
Car Insurance in Grand Rapids
Updated: October 24, 2025
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Key Takeaways
The cheapest car insurance companies in Grand Rapids are Travelers, GEICO and AAA, with rates up to 55% lower than the city average.
Monthly car insurance costs in Grand Rapids average $123 for full coverage and $58 for minimum coverage.
To find the best cheap auto insurance in Grand Rapids, compare quotes from multiple sources and choose coverage that fits your needs.
Who Has the Cheapest Car Insurance in Grand Rapids?
| Travelers | $20 | $64 | -55% |
| GEICO | $45 | $73 | -37% |
| AAA | $41 | $97 | -27% |
| Progressive | $53 | $91 | -23% |
| Auto-Owners | $54 | $108 | -14% |
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Compare the Cheapest Grand Rapids Car Insurance for You
Your car insurance rate depends on your unique driving history and personal details, from age to credit score. Check the table below to find the cheapest insurance company for your specific driver profile.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| AAA | $132 | $1,584 | -24% |
| Progressive | $142 | $1,706 | -18% |
| Travelers | $161 | $1,926 | -7% |
| Farmers | $166 | $1,992 | -4% |
| GEICO | $189 | $2,263 | 9% |
Cheapest Car Insurance by Age Group in Grand Rapids
Car insurance prices vary by age in Grand Rapids. Our analysis shows the lowest rates available for each age group:
- Young Drivers (16 to 25): AAA and Auto-Owners offer the lowest rates at $66 per month
- Adult Drivers (26 to 64): Travelers provides coverage from $20 per month
- Senior Drivers (65+): Travelers leads with rates from $37 per month
These rates reflect minimum coverage policies for drivers with good credit and clean driving records.
Cheapest Car Insurance for Young Drivers in Grand Rapids
AAA and Auto-Owners provide the most affordable car insurance options for young drivers in Grand Rapids, with monthly premiums starting at $66.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| AAA | $66 | $786 | -41% |
| Auto-Owners | $66 | $794 | -41% |
| GEICO | $72 | $867 | -35% |
| Travelers | $87 | $1,048 | -22% |
| Allstate | $110 | $1,323 | -1% |
Cheapest Car Insurance for Adult Drivers in Grand Rapids
Travelers provides the lowest rates for adult drivers (26 to 64) in Grand Rapids, saving drivers 66% on average. AAA and GEICO also rank among the top affordable providers for this age group.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| Travelers | $20 | $241 | -66% |
| AAA | $41 | $488 | -32% |
| GEICO | $45 | $534 | -25% |
| Progressive | $53 | $630 | -12% |
| Auto-Owners | $54 | $650 | -9% |
Cheapest Car Insurance for Senior Drivers in Grand Rapids
For seniors in Grand Rapids, Travelers offers the lowest minimum coverage rates at $37 per month ($448 annually), while Progressive provides the cheapest full coverage at $108 monthly ($1,302 per year).
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| Travelers | $37 | $448 | -49% |
| AAA | $59 | $705 | -19% |
| Progressive | $61 | $735 | -16% |
| Allstate | $76 | $916 | 5% |
| Farmers | $82 | $979 | 12% |
Cheapest Car Insurance for High-Risk Drivers in Grand Rapids
For high-risk drivers in Grand Rapids, these insurance companies offer the lowest monthly rates:
- Cheapest for Bad Credit: Farm Bureau (from $59 per month)
- Cheapest With a DUI: Progressive (from $64 per month)
- Cheapest With an Accident: Travelers (from $53 per month)
- Cheapest With a Speeding Ticket: Travelers (from $36 per month)
Cheapest Car Insurance for Bad Credit in Grand Rapids
Farm Bureau offers the cheapest car insurance for bad credit in Grand Rapids, with monthly rates starting at $59 for minimum coverage. Travelers offers the most affordable full coverage at $133.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Clean
| Farm Bureau | $59 | $707 | -52% |
| Travelers | $72 | $859 | -42% |
| GEICO | $76 | $913 | -38% |
| Farmers | $92 | $1,101 | -25% |
| Frankenmuth Insurance | $93 | $1,112 | -25% |
Cheapest Car Insurance With a DUI in Grand Rapids
Progressive offers the most affordable car insurance rates in Grand Rapids for drivers with a DUI. You'll save up to 65% on full coverage and 63% on minimum coverage compared to the city average.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| Progressive | $64 | $763 | -65% |
| Farmers | $91 | $1,091 | -50% |
| AAA | $100 | $1,201 | -45% |
| Travelers | $109 | $1,313 | -40% |
| Auto-Owners | $125 | $1,500 | -31% |
Cheapest Car Insurance With an Accident in Grand Rapids
Travelers offers the lowest car insurance rates in Grand Rapids for drivers with an accident, with premiums starting at $53 monthly. This rate is 35% below the city average for similar coverage.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| Travelers | $53 | $639 | -35% |
| AAA | $55 | $657 | -33% |
| Auto-Owners | $61 | $729 | -26% |
| Progressive | $78 | $935 | -5% |
| Farmers | $79 | $952 | -3% |
Cheapest Car Insurance With a Speeding Ticket in Grand Rapids
For Grand Rapids drivers with speeding tickets, Travelers offers the cheapest car insurance rates. Its minimum liability coverage costs about $36 per month, while full coverage runs around $119 monthly.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| Travelers | $36 | $434 | -54% |
| AAA | $58 | $695 | -26% |
| Progressive | $67 | $799 | -15% |
| Allstate | $82 | $985 | 5% |
| GEICO | $92 | $1,105 | 18% |
Best Car Insurance Companies in Grand Rapids
Travelers, Auto-Owners, Progressive and GEICO rank as the top car insurance companies in Grand Rapids. These providers stand out for competitive rates, quality customer service and comprehensive coverage options.
| Travelers | 96 | 1 | 2 | 5 |
| Auto-Owners | 86 | 5 | 1 | 6 |
| Progressive | 85 | 4 | 3 | 2 |
| GEICO | 84 | 2 | 8 | 7 |
| AAA | 82 | 3 | 6 | 7 |
Travelers: Most Affordable Overall
pros
Low rates across driver categories
Strong customer service ratings
Available accident forgiveness options
cons
Limited coverage add-ons
Higher rates for newer cars
COMPANY HIGHLIGHTS
Travelers leads Grand Rapids car insurance providers with consistently low rates. Its minimum coverage starts at $20 monthly, while full coverage costs $64 monthly. The company offers the cheapest rates for several driver groups, including seniors, those with speeding tickets, and drivers with bad credit. Strong customer service ratings mean claims handling and support meet high standards.
Auto-Owners: Best Customer Service
pros
Top-rated customer support
Quick claims processing
Multiple discount options
cons
Higher base rates
Limited online tools
COMPANY HIGHLIGHTS
Auto-Owners earns the second spot in Grand Rapids thanks to outstanding customer service. While its rates run higher than Travelers at $54 for minimum coverage and $108 for full coverage, the company excels in claims handling and policyholder support. Auto-Owners offers the most competitive rates for drivers with accident history, showing particular strength in this category. Their high customer satisfaction ratings translate to smoother claims processes and better support when you need it most.
How Much Is Car Insurance in Grand Rapids?
Minimum coverage in Grand Rapids costs about $58 per month or $699 per year, ranking 615th out of all Michigan cities for affordability. Full coverage averages $123 monthly or $1,477 annually, ranking 610th among Michigan cities.
| Full Coverage | $123 | $1,477 |
| Minimum Coverage | $58 | $699 |
Compare Personalized Grand Rapids Car Insurance Costs
While basic rate comparisons help, your exact combination of age, driving history and other factors determines your true cost - use this detailed breakdown to find rates matching your profile.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| $199 | $2,387 | -3% |
Grand Rapids Car Insurance Costs by ZIP Code
Car insurance rates by ZIP code in Grand Rapids range from $54 to $142 per month. ZIP code 49508 is the most expensive, while 49505 is the cheapest. Check the average rates for your ZIP code in the table below.
Data filtered by:
49508
| 49508 | $67 | $142 |
How to Get the Best Cheap Grand Rapids Car Insurance
With Grand Rapids drivers paying some of Michigan's highest car insurance rates, finding affordable coverage can feel overwhelming. Our step-by-step guide shows you how to secure better rates while maintaining the right coverage for your needs.
- 1Calculate your coverage requirements
Start by determining exactly how much coverage you need for your situation. Use our car insurance coverage needs calculator to assess your requirements based on your vehicle's value, assets, and risk tolerance. This creates a solid foundation for comparing quotes effectively.
- 2Explore alternative insurance options
Consider specialized types of car insurance that might better suit your needs. If you drive infrequently, pay-per-mile coverage could save you money. Don't own a car? Look into non-owner insurance for occasional driving.
- 3Check local average costs
Review average vehicle insurance costs in Grand Rapids to set realistic expectations. Understanding rates for your area helps you recognize good deals and avoid overpaying for coverage.
- 4Maximize available discounts
Take advantage of every car insurance discount you qualify for. Consider bundling multiple policies or getting multi-car discounts to reduce your premium. Safe driver and payment discounts can add substantial savings.
- 5Evaluate insurance company reliability
Research each insurer's reputation for customer service and claims handling in Michigan. Check customer reviews and financial strength ratings. A company's track record matters as much as its rates when choosing your provider.
- 6Get quotes from multiple providers
Request quotes from at least three different insurance companies. Use a mix of online tools, local agents, and direct carrier websites to ensure you're seeing all available options. Each company uses different factors to set rates.
- 7Review coverage annually
Mark your calendar to review your policy each year. Life changes, driving habits, and insurance rates evolve over time. Regular reviews ensure you maintain the best combination of coverage and cost for your situation.
Cheapest Car Insurance in Grand Rapids: Bottom Line
Finding the cheapest car insurance in Grand Rapids depends on age, driving record, vehicle type and credit-based insurance score. Although Travelers and GEICO consistently offer some of the lowest rates across driver profiles and coverages, comparing quotes from multiple providers helps you get the best deal.
Cheap Grand Rapids Car Insurance: FAQ
Get clear answers about finding affordable car insurance in Grand Rapids. Our FAQ section helps you understand coverage options and save money on the protection you need.
What is the cheapest car insurance company in Grand Rapids, Michigan?
Travelers offers the lowest rates in Grand Rapids, with average annual premiums of $241 for minimum coverage and $764 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Grand Rapids?
Travelers leads Grand Rapids insurance providers with a MoneyGeek score of 96 out of 100, scoring 10 points higher than Auto-Owners. Travelers excels in both affordability and customer service quality.
What is the average cost of car insurance in Grand Rapids?
In Grand Rapids, full coverage car insurance costs $1,477 annually, while minimum coverage averages $699. Actual rates vary based on individual factors and driving history.
Is car insurance in Grand Rapids expensive?
Car insurance in Grand Rapids costs more than average, ranking 615th for minimum coverage affordability and 610th for full coverage compared to other Michigan cities.
How We Chose the Best and Cheapest Car Insurance in Grand Rapids, MI
To help drivers in Grand Rapids find affordable car insurance, MoneyGeek analyzed rates using data from the Department of Insurance and Financial Services and Quadrant Information Services.
We reviewed every ZIP code in the city and gathered hundreds of thousands of quotes from 12 insurers operating in Michigan to find the best and most affordable options for local drivers.
Grand Rapids Driver Profile
To calculate average car insurance rates, MoneyGeek used the following sample driver profile:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We also adjusted key factors such as age, driving record, credit score, and military affiliation to identify the most suitable companies for different types of drivers.
Coverage Levels in Grand Rapids
We compared the most affordable insurers for both minimum coverage and full coverage auto insurance policies.
The minimum coverage requirements in Michigan are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
MoneyGeek rated insurance companies in Grand Rapids using the following criteria:
- Affordability (60% of score): Based on quotes for common driver profiles and rate comparisons among insurers in the city.
- Customer Experience (30% of Score): Evaluated using reviews from Google, industry research from J.D. Power and AM Best, and feedback from online communities such as Reddit.
- Coverage Options (10% of Score): Measured by the variety of coverage choices and the value of additional benefits offered by each provider.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
