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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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: $829 per year
  • USAA: $899 per year (exclusive for military personnel)

MoneyGeek estimated the average auto insurance rates in Grand Rapids through a sample 40-year-old male driver with a full coverage policy that includes liability insurance as well as comprehensive and collision coverage.

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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.

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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.

MoneyGeek estimated the average auto insurance rates in Grand Rapids through a sample 40-year-old male driver with a full coverage policy that includes liability insurance as well as comprehensive and collision coverage.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Hartford
Score:88

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

3
Auto-Owners Insurance Co
Score:88

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
GEICO
Score:88

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
Cincinnati Insurance Companies
Score:88

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:83

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

9
Nationwide
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Esurance
Score:83

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:78

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:73

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

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.

Shopping around for car insurance in Grand Rapids could save you $909, which is enough to buy:


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303Cups of Coffee
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70Months of Your Favorite Streaming Service

Cheapest Car Insurance in Grand Rapids by Coverage Amount

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.

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.

In Grand Rapids, GEICO presents affordable car insurance packages for both liability-only and full coverage. The full-coverage policy will pay for your costs and the other driver’s expenses if you are at fault in an accident. GEICO’s average annual rate for 50/100/50 full coverage is $211 more than its 50/100/50 liability-only plan, but the additional coverage may make the expense worth it to you.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Grand Rapids if You Have Driving Violations

Safe drivers not only reach home safely but also pay lower auto insurance rates. This is because driving offenses like speeding tickets, DUI and at-fault accidents increase car insurance costs. For instance, in Grand Rapids, Progressive policyholders with a DUI pay $232 more yearly on average for their car insurance coverage compared to drivers with clean records. Similarly, if you have an at-fault accident, you’ll end up paying $839 more annually, while those with a speeding ticket will pay an extra $352 per year on average.

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
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Most Annual Rainfall123rd/300
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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.

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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.