Cheapest and Best Car Insurance in Grand Rapids, MI (2023)

Based on the latest 2023 quotes, the most affordable insurer in Grand Rapids, MI, for minimum coverage car insurance is Travelers. The best overall insurer for balancing service quality and affordability is Chubb.

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.

Cheapest + BestCar InsuranceGrand Rapids

2023

Cheapest and Best Car Insurance in Grand Rapids

Cheapest Overall - Travelers

Cheapest Full Coverage - Travelers

Cheapest After Driving Offense - Chubb

Cheapest for Teens - GEICO

Cheapest for Military - USAA

Best Overall - Chubb

Best for Customer Service - Chubb

Best Cheap - Chubb

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

Age Group

Coverage

Incident

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.

Age

Gender

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.

Age Group

Coverage

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

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

Michigan

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Nationwide

$896

2.USAA

$981

3.Auto-Owners Insurance Co

$1656

4.GEICO

$1724

5.MetLife

$2215

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.

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.

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.

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 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.

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Cheapest and Best Car Insurance in Grand Rapids, MI (2023)

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On This Page:

Cheapest Minimum Liability Car Insurance in Grand Rapids

Cheapest Full Coverage Car Insurance in Grand Rapids

Cheapest Car Insurance in Grand Rapids After a Driving Offense

Cheapest Car Insurance in Grand Rapids for Teens and Their Families

Cheapest Car Insurance in Grand Rapids for Military Drivers

How to Compare Cheap Grand Rapids Car Insurance Quotes Online

Best Car Insurance in Grand Rapids: Summary

Best Overall Car Insurance in Grand Rapids

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Grand Rapids for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance Companies in Grand Rapids

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Grand Rapids