Travelers offers the lowest car insurance rates in Grand Rapids, with average annual premiums of $241 for minimum coverage and $764 for full coverage. Other affordable insurers in the city include AAA, GEICO, Progressive and Auto-Owners.
Car Insurance in Grand Rapids
Updated: August 10, 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% |
Compare the Cheapest Grand Rapids Car Insurance for You
Your car insurance rate depends on your unique driving history and personal details, from your age to your credit score. Check the table below to find the cheapest insurance company for your specific driver profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record: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 significantly 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
In Grand Rapids, AAA and Auto-Owners provide the most affordable car insurance options for young drivers, with monthly premiums starting at $66.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record: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
In Grand Rapids, Travelers provides the lowest rates for adult drivers (26 to 64), saving drivers 66% on average. AAA and GEICO are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record: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).
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record: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, while Travelers offers the most affordable for full coverage at $133.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record: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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment: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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment: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. Their minimum liability coverage costs about $36 per month, while their full coverage policy runs around $119 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment: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
In Grand Rapids, the top car insurance companies are Travelers, Auto-Owners, Progressive, and GEICO. 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?
In Grand Rapids, minimum coverage 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.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $199 | $2,387 | -3% |
Grand Rapids Car Insurance Costs by ZIP Code
In Grand Rapids, car insurance rates by ZIP code 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 on the table below.
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ZIP Code:49508
| 49508 | $67 | $142 |
How to Get the Best Cheap Grand Rapids Car Insurance
With Grand Rapids drivers facing 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.
- 1
Calculate 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.
- 2
Explore 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.
- 3
Check local average costs
Review average vehicle insurance costs in Grand Rapids to set realistic expectations. Understanding typical rates for your area helps you recognize good deals and avoid overpaying for coverage.
- 4
Maximize 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.
- 5
Evaluate 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 their rates when choosing your provider.
- 6
Get 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.
- 7
Review 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 various driver profiles and coverages, comparing quotes from multiple providers is essential to help 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 Grand Rapids drivers find the most affordable auto insurance companies, MoneyGeek analyzed Grand Rapids auto insurance rates based on data and information from the Department of Insurance and Financial Services and Quadrant Information Services. We studied all ZIP codes in Grand Rapids and hundreds of thousands of quotes for 12 companies offering auto insurance in Michigan to tailor options as closely as possible to you.
Grand Rapids Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Grand Rapids with the following characteristics:
- 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
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Grand Rapids
MoneyGeek compared the most affordable insurance providers for both minimum 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
We rated all companies in Grand Rapids based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.