Compare the Cheapest Car Insurance Quotes in Grand Rapids, MI

Car insurance costs an average of $1,738 per year in Grand Rapids. That’s 68.2% lower than the state average. The insurer with the cheapest coverage is GEICO, at $829 per year on average. MoneyGeek analyzed the most affordable providers across different driving histories and coverage levels to help you find an insurer that balances affordability and quality service.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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GEICO ranks as the cheapest car insurance provider in Grand Rapids. The average annual cost of full and minimum coverage is $728 and $346, respectively. Along with Allstate, GEICO offers lower rates for drivers with violations. Hartford combines affordability and quality service garnering a score of 88 out of 100 by MoneyGeek’s standards.

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The Cheapest and Best Car Insurance in Grand Rapids

The Cheapest Car Insurance Companies in Grand Rapids

Insurance companies in Grand Rapids with the cheapest car insurance rates for a full coverage policy are:

  • GEICO: $728 per year
  • Allstate: $799 per year

MetLife policies cost an average of $1,594 per year. That is more than two times GEICO’s rates at $728 per year. A full coverage policy includes liability insurance as well as comprehensive and collision coverage.

Cheapest Car Insurance in Grand Rapids
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    GEICO
    $829
  • 2.
    USAA
    $899
  • 3.
    Progressive
    $1,220
  • 4.
    MetLife
    $1,352
  • 5.
    Travelers
    $1,509
  • 6.
    Auto-Owners Insurance Co
    $1,519
  • 7.
    AAA
    $1,695
  • 8.
    Nationwide
    $1,727
  • 9.
    State Farm
    $1,874
  • 10.
    Allstate
    $1,908
  • 11.
    Esurance
    $1,932
  • 12.
    Farmers
    $2,036
  • 13.
    Mercury
    $2,063
  • 14.
    Hanover
    $2,936

MoneyGeek’s methodology includes estimating the average auto insurance rates in Grand Rapids through a sample 40-year-old male driver with a full coverage policy.

A full coverage car insurance policy has a long list of coverage in addition to the state-required liability insurance. For this reason, it becomes significantly more expensive. Two of the following add-ons in a full coverage policy are:

  • Collision Insurance: Covers damages caused by collision with another vehicle or a stationary object
  • Comprehensive Insurance: Covers other damages that are outside collision such as theft, city disturbance, natural disasters, etc.

Before getting a policy, especially when choosing between coverage levels, it’s advantageous to assess your vehicle’s value first. If you have a car older than 10 years, it may not be the best decision to buy a full coverage car insurance.

Compare Car Insurance Rates in Grand Rapids

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Grand Rapids for Minimum Coverage

In Grand Rapids and other cities, one major determinant of car insurance costs is the amount of coverage you choose. For example, a liability-only policy costs an average of $1,096 per year. On the other hand, a full coverage policy with higher liability limits costs around $1,738, which is $642 more.

Cheapest Minimum Liability Car Insurance in Grand Rapids
State Minimum

The cheapest option drivers in Grand Rapids have for car insurance is a state minimum policy. This coverage level comes with a few tradeoffs. In exchange for the cheapest monthly premiums, there’s a risk of paying out of pocket in case of an accident. Though Michigan state law requires a minimum of $10,000 property damage coverage, this amount is considered very low if you travel outside Michigan to a tort state and cause an accident. Within a tort state, drivers at-fault cover all damages.

Michigan Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury
    $20,000 per person and $40,000 per accident. A more protective level is 100/300/100.
  • Personal Injury Protection
    Unlimited per person. Unlimited per accident.
  • Other
    $1 million property protection.

Cheapest Car Insurance in Grand Rapids if You Have Driving Violations

Car insurance companies take notice of driving records as it immediately reveals the driver’s risk on the road. Having a violation on your record causes rates to increase.

  • Cheapest after a ticket: GEICO, $866 per year
  • Cheapest after an at-fault accident: GEICO, $1,077 per year
  • Cheapest after a DUI: Allstate, $1,070 per year

In Michigan, a ticket violation remains on your driving record for a maximum of two years. Drivers who aim to lower their car insurance premiums should observe proper driving habits, refrain from getting involved in an accident, or getting a ticket.

Cheapest Car Insurance in Grand Rapids With a Violation
Speeding Ticket

Average Cost of Car Insurance in Grand Rapids

Grand Rapids$1,738
Michigan$5,471
U.S.$1,424

The average yearly car insurance cost in Grand Rapids is $1,738, which is 68.2% lower than the state average but 22.1% higher than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Grand Rapids

Insurance carriers consider multiple points to determine car insurance quotes in Grand Rapids. These factors include your age and gender, driving experience, ZIP code and more. For example, in Grand Rapids, GEICO’s average annual rate for 40-year-old male drivers is $829. This rate may increase or decrease as your circumstances change. Therefore, it’s smart to regularly compare car insurance quotes to get cheap coverage and meet your current needs.

Compare Car Insurance Rates in Grand Rapids

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Grand Rapids

To help drivers in Grand Rapids secure quality car insurance coverage at affordable costs, MoneyGeek rated the best companies in the city based on a wide array of factors. These include J.D. Power's financial stability, customer satisfaction and affordability ratings.

Based on the study, the best auto insurance companies in the city for most drivers are:

  • Hartford: MoneyGeek score of 88 out of 100
  • Auto-owners: MoneyGeek score of 88 out of 100

USAA received the highest score in Grand Rapids by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Hartford
Score:87.5

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

3
Auto-Owners Insurance Co
Score:87.5

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
GEICO
Score:87.5

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
Cincinnati Insurance Companies
Score:87.5

3/5

Affordability

5/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Country Financial
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

7
State Farm
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

8
Farm Bureau Ins of MI
Score:82.5

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

9
Nationwide
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Esurance
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

11
Grange
Score:80

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Progressive
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

13
Allstate
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

14
American Family
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

15
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

16
MetLife
Score:80

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

17
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

18
Hanover
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

19
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

20
AAA
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

21
Safeco
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

Your home’s ZIP code is an important factor that determines your auto insurance premium. This is because some areas see higher numbers of uninsured motorists, accidents and thefts, which increase auto insurance rates. In Grand Rapids, the cheapest ZIP code for vehicle insurance is 49504 and the costliest is 49508. Those residing in the 49504 locality will pay $35 less on average in annual premiums than people living in the 49508 neighborhood.

  • Zip Code
    State Minimumper year
  • 49504
    $1,721
  • 49508
    $1,756

Factors That Impact Insurance Costs in Grand Rapids

In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Grand Rapids. How Grand Rapids ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities203rd/300
handcuffs2 icon
Most Car Thefts5th/300
uninsured icon
Most Uninsured Motorists by State4th/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall123rd/300
umbrella icon
Most Rainy Days18th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Grand Rapids are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.