Compare Rates and Save on Auto Insurance

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Your auto insurance rates may vary depending on factors such as your age, coverage needs and driving record.

Travelers is the most affordable company in Grand Rapids for a minimum and full coverage policy. Chubb is the best for customer service and the cheapest if you have a violation, such as a DUI, at-fault accident or speeding ticket. GEICO offers the lowest rates for teen drivers, and USAA is the cheapest for military drivers.

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2023

Cheapest and Best Car Insurance in Grand Rapids

Cheapest Minimum Liability Car Insurance in Grand Rapids

The following companies offer the cheapest minimum coverage car insurance in Grand Rapids:

  • Travelers: approximately $78 per year
  • Chubb: approximately $342 per year

Hanover has the highest cost for a minimum coverage policy. Costs average about $1,949 per year. At about $101 per year, Travelers also offers the cheapest auto insurance in Michigan. Rates may vary depending on your location.

Company
Annual Premium
Monthly Premium

Travelers

$73

$6

Travelers

$78

$7

Travelers

$86

$7

Chubb

$286

$24

Chubb

$342

$28

Chubb

$376

$31

Farm Bureau Ins of MI

$492

$41

Pioneer State Mutual Ins Co

$512

$43

Farm Bureau Ins of MI

$516

$43

Progressive

$520

$43

Progressive

$525

$44

Progressive

$526

$44

Pioneer State Mutual Ins Co

$536

$45

Auto-Owners Insurance Co

$549

$46

GEICO

$554

$46

GEICO

$555

$46

Pioneer State Mutual Ins Co

$559

$47

Westfield

$562

$47

GEICO

$563

$47

Auto-Owners Insurance Co

$583

$49

Encompass

$594

$50

Westfield

$609

$51

Farm Bureau Ins of MI

$634

$53

Farmers

$642

$54

Travelers

$652

$54

Westfield

$674

$56

Encompass

$675

$56

Encompass

$675

$56

Auto-Owners Insurance Co

$676

$56

Farmers

$685

$57

Travelers

$721

$60

Grange Insurance

$743

$62

Farmers

$750

$63

Grange Insurance

$754

$63

Chubb

$794

$66

Travelers

$806

$67

Progressive

$840

$70

Progressive

$864

$72

GEICO

$866

$72

GEICO

$866

$72

GEICO

$871

$73

Pioneer State Mutual Ins Co

$891

$74

Grange Insurance

$913

$76

Pioneer State Mutual Ins Co

$935

$78

Chubb

$952

$79

Progressive

$997

$83

Farm Bureau Ins of MI

$1,003

$84

Farmers

$1,011

$84

State Farm

$1,020

$85

Chubb

$1,059

$88

Farm Bureau Ins of MI

$1,093

$91

Pioneer State Mutual Ins Co

$1,106

$92

State Farm

$1,109

$92

Farmers

$1,113

$93

Auto-Owners Insurance Co

$1,186

$99

Auto-Owners Insurance Co

$1,202

$100

Encompass

$1,215

$101

Farmers

$1,241

$103

State Farm

$1,255

$105

Auto-Owners Insurance Co

$1,282

$107

Farm Bureau Ins of MI

$1,345

$112

Encompass

$1,424

$119

Encompass

$1,424

$119

Grange Insurance

$1,494

$125

State Farm

$1,600

$133

Grange Insurance

$1,608

$134

Grange Insurance

$1,684

$140

State Farm

$1,750

$146

Westfield

$1,752

$146

Hanover

$1,841

$153

Westfield

$1,877

$156

Hanover

$1,949

$162

State Farm

$2,019

$168

Hanover

$2,085

$174

Westfield

$2,329

$194

Hanover

$3,258

$272

Hanover

$3,633

$303

Hanover

$4,255

$355

The minimum car insurance requirements in Michigan include:

  • $50,000 bodily injury liability per person
  • $100,000 bodily injury liability per accident
  • $10,000 property damage liability per accident outside Michigan
  • $1 million property protection within Michigan
  • $250,000 personal injury protection (you can find lower PIP limits for certain Medicare and Medicaid coverage)

Your insurer will pay a maximum of $50,000 per person and $100,000 for all the individuals injured in an at-fault accident, alongside $10,000 for the damaged property per accident outside the state and $1 million within the state. If the costs associated with an accident exceed these limits, you’ll pay the remainder out of pocket.

Cheapest Full Coverage Car Insurance in Grand Rapids

If you need a full coverage auto insurance policy in Grand Rapids, the most affordable providers are:

  • Travelers: $721 per year
  • Progressive: $864 per year

We found that the most expensive insurer for full coverage is Hanover, with an average cost of $3,633 per year.

GEICO offers the most affordable full coverage auto insurance in Michigan. Policies cost an average of $898 yearly as of October 2022. This is higher than the cheapest insurer in Grand Rapids. Your location can have an impact on your auto insurance premiums.

Company
Annual Premium
Monthly Premium

Travelers

$73

$6

Travelers

$78

$7

Travelers

$86

$7

Chubb

$286

$24

Chubb

$342

$28

Chubb

$376

$31

Farm Bureau Ins of MI

$492

$41

Pioneer State Mutual Ins Co

$512

$43

Farm Bureau Ins of MI

$516

$43

Progressive

$520

$43

Progressive

$525

$44

Progressive

$526

$44

Pioneer State Mutual Ins Co

$536

$45

Auto-Owners Insurance Co

$549

$46

GEICO

$554

$46

GEICO

$555

$46

Pioneer State Mutual Ins Co

$559

$47

Westfield

$562

$47

GEICO

$563

$47

Auto-Owners Insurance Co

$583

$49

Encompass

$594

$50

Westfield

$609

$51

Farm Bureau Ins of MI

$634

$53

Farmers

$642

$54

Travelers

$652

$54

Westfield

$674

$56

Encompass

$675

$56

Encompass

$675

$56

Auto-Owners Insurance Co

$676

$56

Farmers

$685

$57

Travelers

$721

$60

Grange Insurance

$743

$62

Farmers

$750

$63

Grange Insurance

$754

$63

Chubb

$794

$66

Travelers

$806

$67

Progressive

$840

$70

Progressive

$864

$72

GEICO

$866

$72

GEICO

$866

$72

GEICO

$871

$73

Pioneer State Mutual Ins Co

$891

$74

Grange Insurance

$913

$76

Pioneer State Mutual Ins Co

$935

$78

Chubb

$952

$79

Progressive

$997

$83

Farm Bureau Ins of MI

$1,003

$84

Farmers

$1,011

$84

State Farm

$1,020

$85

Chubb

$1,059

$88

Farm Bureau Ins of MI

$1,093

$91

Pioneer State Mutual Ins Co

$1,106

$92

State Farm

$1,109

$92

Farmers

$1,113

$93

Auto-Owners Insurance Co

$1,186

$99

Auto-Owners Insurance Co

$1,202

$100

Encompass

$1,215

$101

Farmers

$1,241

$103

State Farm

$1,255

$105

Auto-Owners Insurance Co

$1,282

$107

Farm Bureau Ins of MI

$1,345

$112

Encompass

$1,424

$119

Encompass

$1,424

$119

Grange Insurance

$1,494

$125

State Farm

$1,600

$133

Grange Insurance

$1,608

$134

Grange Insurance

$1,684

$140

State Farm

$1,750

$146

Westfield

$1,752

$146

Hanover

$1,841

$153

Westfield

$1,877

$156

Hanover

$1,949

$162

State Farm

$2,019

$168

Hanover

$2,085

$174

Westfield

$2,329

$194

Hanover

$3,258

$272

Hanover

$3,633

$303

Hanover

$4,255

$355

Full coverage auto insurance offers higher protection than a state minimum policy because it includes liability limits plus comprehensive and collision insurance.

  • Collision Coverage: Pays for repairing your damaged car in case of an accident like colliding with another object or car.
  • Comprehensive Coverage: Covers costs involved in the repair or replacement of your car after non-collision occurrences.

Purchasing full coverage car insurance may not be a wise decision if you have an older car. The costs associated with these policies could be worth more than your car’s value.

Cheapest Car Insurance in Grand Rapids After a Driving Offense

If you have a driving offense on your record, the most affordable auto insurance carriers in Grand Rapids for a full coverage policy are:

  • Speeding ticket: Chubb (approximately $952 per year)
  • At-fault accident: Chubb (approximately $952 per year)
  • DUI: Chubb (approximately $952 per year)

You will pay more if you get your policy from Hanover. The average rate for a speeding ticket from this insurer is $5,221 and $5,732 per year for at-fault accidents, respectively. Encompass is the most expensive option for DUI drivers, costing around $7,502 annually.

Getting coverage from the cheapest insurer in Grand Rapids may still be expensive if you have a driving violation on your record. Generally, rates spike considerably after a violation.

Company
Annual Premium
Monthly Premium

Travelers

$126

$10

Travelers

$136

$11

Travelers

$151

$13

Travelers

$181

$15

Travelers

$188

$16

Travelers

$204

$17

Chubb

$286

$24

Chubb

$286

$24

Chubb

$286

$24

Chubb

$342

$28

Chubb

$342

$28

Chubb

$342

$28

Travelers

$359

$30

Travelers

$359

$30

Travelers

$374

$31

Chubb

$376

$31

Chubb

$376

$31

Chubb

$376

$31

Progressive

$561

$47

Progressive

$566

$47

Progressive

$566

$47

Farm Bureau Ins of MI

$569

$47

Progressive

$595

$50

Progressive

$598

$50

Farm Bureau Ins of MI

$599

$50

Progressive

$600

$50

Pioneer State Mutual Ins Co

$617

$51

Pioneer State Mutual Ins Co

$641

$53

Auto-Owners Insurance Co

$643

$54

Progressive

$645

$54

Progressive

$648

$54

Progressive

$650

$54

Pioneer State Mutual Ins Co

$667

$56

Farm Bureau Ins of MI

$667

$56

Encompass

$673

$56

Westfield

$674

$56

Farm Bureau Ins of MI

$701

$58

Auto-Owners Insurance Co

$707

$59

Westfield

$730

$61

Farm Bureau Ins of MI

$734

$61

Auto-Owners Insurance Co

$739

$62

Encompass

$765

$64

Encompass

$765

$64

Pioneer State Mutual Ins Co

$787

$66

Chubb

$794

$66

Chubb

$794

$66

Chubb

$794

$66

Westfield

$808

$67

Auto-Owners Insurance Co

$810

$68

Auto-Owners Insurance Co

$813

$68

Pioneer State Mutual Ins Co

$818

$68

Westfield

$825

$69

Pioneer State Mutual Ins Co

$857

$71

Farm Bureau Ins of MI

$861

$72

Farmers

$861

$72

Farmers

$872

$73

Westfield

$873

$73

Encompass

$880

$73

Farmers

$903

$75

Farmers

$911

$76

Farmers

$919

$77

Farmers

$928

$77

Auto-Owners Insurance Co

$933

$78

Westfield

$938

$78

Progressive

$944

$79

Farmers

$947

$79

Chubb

$952

$79

Chubb

$952

$79

Chubb

$952

$79

Progressive

$971

$81

Farmers

$977

$81

Farmers

$986

$82

Encompass

$997

$83

Encompass

$997

$83

Grange Insurance

$1,005

$84

Progressive

$1,040

$87

Grange Insurance

$1,042

$87

Pioneer State Mutual Ins Co

$1,057

$88

Chubb

$1,059

$88

Chubb

$1,059

$88

Chubb

$1,059

$88

Progressive

$1,070

$89

Pioneer State Mutual Ins Co

$1,089

$91

Progressive

$1,104

$92

Progressive

$1,115

$93

Pioneer State Mutual Ins Co

$1,118

$93

GEICO

$1,119

$93

Pioneer State Mutual Ins Co

$1,137

$95

Progressive

$1,147

$96

GEICO

$1,150

$96

GEICO

$1,161

$97

Farm Bureau Ins of MI

$1,164

$97

Pioneer State Mutual Ins Co

$1,186

$99

Progressive

$1,209

$101

Grange Insurance

$1,216

$101

State Farm

$1,223

$102

Travelers

$1,225

$102

GEICO

$1,256

$105

Farm Bureau Ins of MI

$1,268

$106

Grange Insurance

$1,269

$106

Progressive

$1,292

$108

Grange Insurance

$1,298

$108

Farm Bureau Ins of MI

$1,322

$110

Pioneer State Mutual Ins Co

$1,332

$111

State Farm

$1,333

$111

Pioneer State Mutual Ins Co

$1,348

$112

GEICO

$1,351

$113

Travelers

$1,360

$113

GEICO

$1,364

$114

Encompass

$1,376

$115

Farm Bureau Ins of MI

$1,389

$116

Farmers

$1,394

$116

Grange Insurance

$1,396

$116

Auto-Owners Insurance Co

$1,397

$116

Grange Insurance

$1,406

$117

Pioneer State Mutual Ins Co

$1,422

$119

Auto-Owners Insurance Co

$1,434

$120

Farm Bureau Ins of MI

$1,439

$120

Auto-Owners Insurance Co

$1,444

$120

Farmers

$1,454

$121

Farm Bureau Ins of MI

$1,460

$122

Farmers

$1,463

$122

Farmers

$1,491

$124

Farmers

$1,502

$125

State Farm

$1,512

$126

Travelers

$1,523

$127

Farmers

$1,525

$127

State Farm

$1,529

$127

Auto-Owners Insurance Co

$1,535

$128

Farm Bureau Ins of MI

$1,560

$130

Grange Insurance

$1,580

$132

Auto-Owners Insurance Co

$1,589

$132

Auto-Owners Insurance Co

$1,590

$133

Farmers

$1,592

$133

Encompass

$1,609

$134

Encompass

$1,609

$134

Farmers

$1,630

$136

Auto-Owners Insurance Co

$1,638

$136

Travelers

$1,650

$137

Farmers

$1,664

$139

State Farm

$1,669

$139

Pioneer State Mutual Ins Co

$1,687

$141

Westfield

$1,705

$142

Grange Insurance

$1,705

$142

Auto-Owners Insurance Co

$1,747

$146

Westfield

$1,753

$146

Farm Bureau Ins of MI

$1,771

$148

Travelers

$1,785

$149

Encompass

$1,791

$149

Farm Bureau Ins of MI

$1,794

$149

Westfield

$1,817

$151

Auto-Owners Insurance Co

$1,823

$152

GEICO

$1,826

$152

Pioneer State Mutual Ins Co

$1,852

$154

State Farm

$1,896

$158

GEICO

$1,900

$158

State Farm

$1,916

$160

GEICO

$1,923

$160

Pioneer State Mutual Ins Co

$1,938

$162

Travelers

$1,952

$163

Grange Insurance

$1,978

$165

GEICO

$2,048

$171

Westfield

$2,055

$171

State Farm

$2,095

$175

Encompass

$2,098

$175

Encompass

$2,098

$175

Westfield

$2,193

$183

Grange Insurance

$2,204

$184

Grange Insurance

$2,223

$185

GEICO

$2,232

$186

GEICO

$2,262

$189

Pioneer State Mutual Ins Co

$2,312

$193

Grange Insurance

$2,364

$197

State Farm

$2,389

$199

State Farm

$2,421

$202

Grange Insurance

$2,527

$211

State Farm

$2,611

$218

Farm Bureau Ins of MI

$2,635

$220

State Farm

$2,652

$221

Grange Insurance

$2,666

$222

Westfield

$2,734

$228

Hanover

$2,799

$233

Hanover

$2,851

$238

Farm Bureau Ins of MI

$2,863

$239

Westfield

$2,886

$241

State Farm

$2,900

$242

Grange Insurance

$2,925

$244

Travelers

$3,002

$250

Auto-Owners Insurance Co

$3,004

$250

Hanover

$3,016

$251

State Farm

$3,024

$252

Westfield

$3,032

$253

Hanover

$3,080

$257

Auto-Owners Insurance Co

$3,125

$260

Travelers

$3,131

$261

Hanover

$3,152

$263

Grange Insurance

$3,166

$264

Grange Insurance

$3,259

$272

Travelers

$3,298

$275

Auto-Owners Insurance Co

$3,304

$275

State Farm

$3,306

$276

Encompass

$3,323

$277

Hanover

$3,361

$280

GEICO

$3,399

$283

GEICO

$3,418

$285

GEICO

$3,473

$289

Farm Bureau Ins of MI

$3,525

$294

Westfield

$3,566

$297

Hanover

$3,748

$312

Encompass

$3,785

$315

Encompass

$3,785

$315

Hanover

$3,835

$320

Hanover

$4,066

$339

State Farm

$4,127

$344

State Farm

$4,505

$375

Hanover

$4,877

$406

Hanover

$5,221

$435

State Farm

$5,234

$436

Hanover

$5,353

$446

Westfield

$5,394

$450

Westfield

$5,540

$462

Hanover

$5,732

$478

GEICO

$5,772

$481

GEICO

$5,836

$486

GEICO

$5,858

$488

Hanover

$6,022

$502

Westfield

$6,074

$506

Encompass

$6,470

$539

Hanover

$6,636

$553

Hanover

$6,752

$563

Hanover

$7,228

$602

Encompass

$7,502

$625

Encompass

$7,502

$625

Hanover

$8,332

$694

If you have a DUI, speeding ticket or any other driving violation, your auto insurance rates may increase depending on the type of violation.

For example, you will pay an additional $2,284 per year for a full coverage policy in Grand Rapids after a DUI. With a speeding ticket, however, you will only pay about $530 more per year. You can still get the cheapest auto insurance with a bad driving record if you compare quotes from multiple companies.

Cheapest Car Insurance in Grand Rapids for Teens and Their Families

Our ranking system had these companies as the most affordable options in Grand Rapids for teen drivers included in a family plan:

  • GEICO: $2,184 per year for female and male teens
  • Progressive: $2,521 per year for female and male teens

State Farm has the highest premium for teen drivers on a family policy, with an average annual cost of $8,966 regardless of gender.

Insurers tend to treat male teen drivers as high-risk and charge higher premiums compared to their female counterparts. However, the difference in cost decreases in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$944

$3,611

GEICO

$1,060

$3,611

Travelers

$1,063

$2,030

Travelers

$1,063

$2,030

GEICO

$1,089

$4,167

GEICO

$1,092

$4,653

GEICO

$1,121

$4,289

GEICO

$1,223

$4,167

GEICO

$1,227

$4,653

GEICO

$1,259

$4,289

GEICO

$1,317

$4,974

GEICO

$1,317

$4,974

Progressive

$1,592

$1,541

Progressive

$1,592

$1,541

GEICO

$1,677

$7,387

GEICO

$1,677

$7,387

Progressive

$1,692

$2,269

Progressive

$1,692

$2,269

GEICO

$1,757

$6,636

GEICO

$1,757

$6,636

Travelers

$1,759

$3,803

Travelers

$1,759

$3,803

Encompass

$1,781

$3,879

Encompass

$1,781

$3,879

GEICO

$1,815

$8,175

GEICO

$1,815

$8,175

Progressive

$1,833

$1,775

Progressive

$1,833

$1,775

Progressive

$1,895

$2,105

Progressive

$1,895

$2,105

Progressive

$1,920

$2,818

Progressive

$1,920

$2,818

Travelers

$1,930

$3,803

Travelers

$1,930

$3,803

Progressive

$1,966

$2,637

Progressive

$1,966

$2,637

Progressive

$1,981

$1,918

Progressive

$1,981

$1,918

Travelers

$1,991

$3,803

Travelers

$1,991

$3,803

Travelers

$1,991

$3,803

Travelers

$1,991

$3,803

Encompass

$2,025

$4,945

Encompass

$2,025

$4,945

Encompass

$2,050

$4,790

Encompass

$2,050

$4,790

Encompass

$2,081

$4,533

Encompass

$2,081

$4,533

Auto-Owners Insurance Co

$2,116

$3,003

Auto-Owners Insurance Co

$2,116

$3,003

Encompass

$2,138

$4,657

Encompass

$2,138

$4,657

Progressive

$2,169

$7,482

Progressive

$2,169

$7,482

GEICO

$2,184

$10,667

GEICO

$2,184

$10,667

Auto-Owners Insurance Co

$2,242

$3,181

Auto-Owners Insurance Co

$2,242

$3,181

Auto-Owners Insurance Co

$2,342

$3,690

Auto-Owners Insurance Co

$2,342

$3,690

GEICO

$2,368

$10,667

GEICO

$2,368

$10,667

Auto-Owners Insurance Co

$2,410

$3,420

Auto-Owners Insurance Co

$2,410

$3,420

Auto-Owners Insurance Co

$2,460

$3,957

Auto-Owners Insurance Co

$2,460

$3,957

Progressive

$2,462

$8,492

Progressive

$2,462

$8,492

Farmers

$2,502

$2,884

Farmers

$2,502

$2,884

Progressive

$2,521

$10,115

Progressive

$2,521

$10,115

Auto-Owners Insurance Co

$2,632

$4,482

Auto-Owners Insurance Co

$2,632

$4,482

Auto-Owners Insurance Co

$2,650

$4,262

Auto-Owners Insurance Co

$2,650

$4,262

Farmers

$2,675

$3,921

Farmers

$2,675

$3,921

Farmers

$2,787

$11,897

Farmers

$2,787

$11,897

Encompass

$2,809

$8,412

Encompass

$2,809

$8,412

Auto-Owners Insurance Co

$2,894

$4,792

Auto-Owners Insurance Co

$2,894

$4,792

Encompass

$2,959

$7,225

Encompass

$2,959

$7,225

Farmers

$2,975

$12,697

Farmers

$2,975

$12,697

Farmers

$2,978

$3,743

Farmers

$2,978

$3,743

Farmers

$3,041

$3,505

Farmers

$3,041

$3,505

Encompass

$3,071

$8,793

Encompass

$3,071

$8,793

Auto-Owners Insurance Co

$3,094

$5,374

Auto-Owners Insurance Co

$3,094

$5,374

Farmers

$3,120

$3,596

Farmers

$3,120

$3,596

Auto-Owners Insurance Co

$3,142

$5,202

Auto-Owners Insurance Co

$3,142

$5,202

Encompass

$3,215

$9,205

Encompass

$3,215

$9,205

Encompass

$3,221

$9,662

Encompass

$3,221

$9,662

Farmers

$3,260

$5,435

Farmers

$3,260

$5,435

Farmers

$3,398

$4,982

Farmers

$3,398

$4,982

Travelers

$3,522

$8,508

Travelers

$3,522

$8,508

Farmers

$3,754

$23,472

Farmers

$3,754

$23,472

State Farm

$4,220

$7,050

State Farm

$4,220

$7,050

Travelers

$4,318

$8,508

Travelers

$4,318

$8,508

Travelers

$4,496

$10,599

Travelers

$4,496

$10,599

State Farm

$4,718

$7,883

State Farm

$4,718

$7,883

Travelers

$4,750

$11,496

Travelers

$4,750

$11,496

Travelers

$4,876

$11,496

Travelers

$4,876

$11,496

State Farm

$5,017

$9,858

State Farm

$5,017

$9,858

State Farm

$5,231

$8,739

State Farm

$5,231

$8,739

State Farm

$5,683

$10,936

State Farm

$5,683

$10,936

State Farm

$6,611

$12,721

State Farm

$6,611

$12,721

State Farm

$6,622

$14,569

State Farm

$6,622

$14,569

State Farm

$7,734

$16,809

State Farm

$7,734

$16,809

State Farm

$8,915

$19,375

State Farm

$8,915

$19,375

State Farm

$8,966

$22,275

State Farm

$8,966

$22,275

There’s typically an increase in car insurance rates for teen drivers if they get an individual policy. To save on costs, consider adding them to a family plan. Premiums increase by about $3,897 if you get a male teen a separate policy in Grand Rapids vs. adding them to a family policy.

Regardless of the high cost of coverage for teens, you can find an insurer that offers the cheapest car insurance for teens by comparing multiple quotes.

Cheapest Car Insurance in Grand Rapids for Military Drivers

The most affordable auto insurance for military drivers in Grand Rapids is from the following insurers:

  • USAA: approximately $595 per year
  • Travelers: approximately $721 per year

The rates above are for full coverage. For a minimum coverage policy, Travelers offers a lower average annual rate than USAA. You will pay about $78 per year for minimum coverage at Travelers and about $237 at USAA.

Company
Annual Premium
Monthly Premium

Travelers

$73

$6

Travelers

$78

$7

Travelers

$86

$7

USAA

$237

$20

USAA

$238

$20

USAA

$257

$21

Chubb

$286

$24

Chubb

$342

$28

Chubb

$376

$31

Farm Bureau Ins of MI

$492

$41

Pioneer State Mutual Ins Co

$512

$43

Farm Bureau Ins of MI

$516

$43

Progressive

$520

$43

Progressive

$525

$44

Progressive

$526

$44

Pioneer State Mutual Ins Co

$536

$45

Auto-Owners Insurance Co

$549

$46

GEICO

$554

$46

GEICO

$555

$46

Pioneer State Mutual Ins Co

$559

$47

Westfield

$562

$47

GEICO

$563

$47

USAA

$577

$48

Auto-Owners Insurance Co

$583

$49

Encompass

$594

$50

USAA

$595

$50

Westfield

$609

$51

Farm Bureau Ins of MI

$634

$53

Farmers

$642

$54

Travelers

$652

$54

Westfield

$674

$56

Encompass

$675

$56

Encompass

$675

$56

Auto-Owners Insurance Co

$676

$56

Farmers

$685

$57

USAA

$715

$60

Travelers

$721

$60

Grange Insurance

$743

$62

Farmers

$750

$63

Grange Insurance

$754

$63

Chubb

$794

$66

Travelers

$806

$67

Progressive

$840

$70

Progressive

$864

$72

GEICO

$866

$72

GEICO

$866

$72

GEICO

$871

$73

Pioneer State Mutual Ins Co

$891

$74

Grange Insurance

$913

$76

Pioneer State Mutual Ins Co

$935

$78

Chubb

$952

$79

Progressive

$997

$83

Farm Bureau Ins of MI

$1,003

$84

Farmers

$1,011

$84

State Farm

$1,020

$85

Chubb

$1,059

$88

Farm Bureau Ins of MI

$1,093

$91

Pioneer State Mutual Ins Co

$1,106

$92

State Farm

$1,109

$92

Farmers

$1,113

$93

Auto-Owners Insurance Co

$1,186

$99

Auto-Owners Insurance Co

$1,202

$100

Encompass

$1,215

$101

Farmers

$1,241

$103

State Farm

$1,255

$105

Auto-Owners Insurance Co

$1,282

$107

Farm Bureau Ins of MI

$1,345

$112

Encompass

$1,424

$119

Encompass

$1,424

$119

Grange Insurance

$1,494

$125

State Farm

$1,600

$133

Grange Insurance

$1,608

$134

Grange Insurance

$1,684

$140

State Farm

$1,750

$146

Westfield

$1,752

$146

Hanover

$1,841

$153

Westfield

$1,877

$156

Hanover

$1,949

$162

State Farm

$2,019

$168

Hanover

$2,085

$174

Westfield

$2,329

$194

Hanover

$3,258

$272

Hanover

$3,633

$303

Hanover

$4,255

$355

How to Compare Cheap Grand Rapids Car Insurance Quotes Online

If you decide to compare auto insurance quotes online, you'll need to provide a lot of personal information and spend approximately 15 minutes to obtain a cost estimate from each insurer.

Fortunately, MoneyGeek’s car insurance calculator can save you time by allowing you to get instant estimates based on your car type, age, driving record and coverage level.

Auto Insurance Calculator

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Best Car Insurance in Grand Rapids: Summary

The best auto insurance for your profile will depend on your preferences. The top insurers in Grand Rapids include:

  • Best overall: Chubb (MoneyGeek score of 87 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: Chubb (MoneyGeek score of 84 out of 100)

Scores can change based on category weightings. The best auto insurance provider for Michigan drivers is Chubb. USAA, with a score of 85 out of 100, also provides affordable auto insurance if you have a military background.

Best Overall Car Insurance in Grand Rapids

MoneyGeek found that the best overall auto insurance companies in Grand Rapids are:

  • Chubb: MoneyGeek score of 87 out of 100 ($952 per year)
  • Farm Bureau Insurance of Michigan: MoneyGeek score of 82 out of 100 ($1,093 per year)

State Farm has excellent affordability and satisfaction scores, offering the ideal balance needed to be the best overall insurer in the city. USAA is also an excellent option for military families. It scored 85 out of 100.

Chubb

pros

Affordable

Good customer service

Offers diminished value coverage and original equipment manufacturer (OEM) coverage

cons

Poor coverage availability score

Lacks accident forgiveness, roadside assistance and gap insurance

COMPANY HIGHLIGHTS

Chubb is our top pick for the best overall insurer in Grand Rapids for combining service quality and cost-effectiveness. The insurer scored above average for affordability and provides excellent customer service, according to J.D. Power and NAIC ratings.

Chubb offers add-on coverage for original equipment manufacturer (OEM) parts. This is a unique coverage that may not be available from many insurers. In the event of an accident, your car’s safety systems and other original parts will get repaired or replaced at the insurer’s expense.

Also optional is the agreed value coverage that pays for a stolen or totaled car at an amount agreed on while getting your policy. This coverage can save thousands of dollars if you lose your car to a covered incident.

Best Car Insurance in Grand Rapids for Customer Service

If cost is not a top priority, the companies that offer the best auto insurance in Grand Rapids for customer service are:

  • Chubb: MoneyGeek score of 76 out of 100 ($952 per year)
  • Farm Bureau Insurance of Michigan: MoneyGeek score of 73 out of 100 ($1,093 per year)

Chubb is our top pick because it scored the highest for customer satisfaction and claims management. The insurer is more likely to offer you a better user experience than its competitors. It is also the fifth cheapest option in the city, offering you good value for your money.

Chubb

pros

Excellent customer service

Outstanding claims experience

Offers classic car insurance and rental car reimbursement coverage

cons

Lacks accident forgiveness, gap insurance and other common coverage options

Low coverage score

COMPANY HIGHLIGHTS

If you value service over cost, Chubb is the best provider for a car insurance policy in Grand Rapids. The insurer has excellent customer service and claims management compared to others in our ranking system.

Chubb offers rental car reimbursement Coverage to allow you to get alternative transport if you get involved in an accident. The limit for this coverage is $5,000, with no daily maximum.

If you have a classic car that’s garaged or used for shows, parades, club activities or exhibitions, you qualify for classic car insurance coverage from this company. The vehicle must be 30 years or older or belong to a larger collection of cars.

Chubb also has a good score on affordability, offering you great value for your money.

Best Cheap Car Insurance Companies in Grand Rapids

MoneyGeek analyzed the state minimum coverage car insurance quotes based on service quality and affordability. Based on the findings, the best auto insurance providers in Grand Rapids are:

  • Chubb: MoneyGeek score of 84 out of 100 ($342 per year)
  • Travelers: MoneyGeek score of 80 out of 100 ($78 per year)

Although a minimum coverage policy can help lower your annual car insurance costs, it only offers limited protection and may not cover damages to your car after an accident.

Chubb

pros

An affordable minimum coverage policy costs $342 per year

Offers discounts for bundling policies, anti-lock brakes and anti-theft systems

Excellent claims management

Good customer service

cons

Lacks multiple car and safe driving discounts

Poor coverage availability

COMPANY HIGHLIGHTS

If you are interested in a minimum coverage policy, Chubb is the best option in Grand Rapids. The insurer has the second-cheapest premiums and offers high-quality customer service, making it our top pick for balancing cost and coverage quality.

Chubb has a variety of discounts that can help you save more on car insurance. You can get lower costs for bundling home insurance with your auto insurance policy. You can even get discounts if you complete a defensive driving course.

This insurer also provides unique discounts that you may not find in other companies, including one for daytime running lights, window glass etching or an electronic tracking device. The provider can also review your rates if you have a factory-installed anti-lock braking system on your car.

Average Cost of Car Insurance in Grand Rapids

The average cost of a full coverage auto insurance policy in Grand Rapids is $1,377 per year. This rate represents a full coverage policy with the following limits:

  • $100,000 bodily injury liability per person
  • $300,000 in bodily injury liability per accident
  • $100,000 in property damage liability per accident.

This rate is lower than the average cost of car insurance in Michigan by about $814 yearly, but it is higher than the national average by about $112 per year. That indicates how your rates can vary based on your location.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.