Cheapest and Best Car Insurance in Grand Rapids, MI (July 2024)


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Updated: August 30, 2024

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In Grand Rapids, the best car insurance varies by coverage needs and driver profiles. For full coverage, Travelers offers the lowest rates, while Auto-Owners is cheapest for families with teens. Westfield is most affordable for minimum coverage.

Chubb stands out for exceptional customer service and is also ranked best overall for combining price and service, providing top value. Your perfect choice will align with personal preferences and coverage necessities.

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2024

Cheapest and Best Car Insurance in Grand Rapids

Why Trust MoneyGeek? We analyzed 50,284 quotes in Michigan from 14 companies, used six sources and conducted original research to rate the cheapest companies and develop a scoring system for Grand Rapids insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Grand Rapids, MI, as of July 2024.

50,284Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Coverage Car Insurance in Grand Rapids

Westfield is the cheapest option in Grand Rapids for drivers looking for the cheapest car insurance. Those seeking affordability should consider:

  • Westfield: $273 per year
  • Travelers: $335 per year

Hanover offers the priciest minimum coverage policy in Grand Rapids at $1,342 annually. This difference in rates highlights the potential savings from shopping around for your car insurance needs.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
WestfieldAnnual Premium$273Monthly Premium$23
TravelersAnnual Premium$335Monthly Premium$28
Auto-Owners Insurance CoAnnual Premium$530Monthly Premium$44
Farm Bureau Ins of MIAnnual Premium$567Monthly Premium$47
ChubbAnnual Premium$581Monthly Premium$48
ProgressiveAnnual Premium$583Monthly Premium$49
GEICOAnnual Premium$598Monthly Premium$50
EncompassAnnual Premium$606Monthly Premium$51
Pioneer State Mutual Ins CoAnnual Premium$627Monthly Premium$52
Grange InsuranceAnnual Premium$629Monthly Premium$52
FarmersAnnual Premium$675Monthly Premium$56
State FarmAnnual Premium$1,049Monthly Premium$87
HanoverAnnual Premium$1,342Monthly Premium$112

State Minimum Liability Requirements

In Michigan, in every city from Grand Rapids to Detroit, your car insurance minimums are set by statewide mandates. Here's what your policy needs at a minimum:

  • $50,000 bodily injury per person
  • $100,000 bodily injury per accident
  • $10,000 property damage liability per accident
  • Unlimited personal injury protection (PIP) per person

For instance, if you're at fault in an accident causing bodily injury to another person, your policy will cover up to $50,000 for their injuries. In a multi-person accident, it’ll cap at $100,000 for the event. Any costs beyond these amounts might be your burden.

Cheapest Full Coverage Car Insurance in Grand Rapids

Travelers offers the cheapest full coverage car insurance in Grand Rapids. For those seeking cost-effective premiums, here are the top two providers:

  • Travelers: $978 per year
  • GEICO: $997 per year

State Farm presents the most expensive full coverage policy in the city, costing $2,012 annually, which is $1,034 more than Travelers. This significant price difference highlights the importance of comparing quotes to ensure you're getting the best deal, particularly because full coverage includes comprehensive and collision insurance, naturally costing more than minimum coverage policies.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
TravelersAnnual Premium$978Monthly Premium$81
GEICOAnnual Premium$997Monthly Premium$83
Pioneer State Mutual Ins CoAnnual Premium$1,179Monthly Premium$98
Auto-Owners Insurance CoAnnual Premium$1,228Monthly Premium$102
Farm Bureau Ins of MIAnnual Premium$1,267Monthly Premium$106
ProgressiveAnnual Premium$1,298Monthly Premium$108
FarmersAnnual Premium$1,309Monthly Premium$109
WestfieldAnnual Premium$1,310Monthly Premium$109
Grange InsuranceAnnual Premium$1,351Monthly Premium$113
EncompassAnnual Premium$1,438Monthly Premium$120
ChubbAnnual Premium$1,494Monthly Premium$125
State FarmAnnual Premium$2,012Monthly Premium$168
HanoverAnnual Premium$3,296Monthly Premium$275

Do You Need Full Coverage in Michigan?

A full coverage policy includes coverage for damage to your own vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.

  • Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, it's wise to opt for full coverage insurance for more robust financial protection. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

On the other hand, owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the value of the vehicle. When deciding how much car insurance coverage you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

Cheapest Car Insurance in Grand Rapids After a Driving Offense

In Grand Rapids, car insurance costs with violations vary significantly for based on driving history:

  • Speeding Ticket: Chubb ($1,494 per year)
  • At-fault accident: Pioneer State Mutual ($1,382 per year)
  • DUI: Progressive ($1,430 per year)

Among the companies reviewed, Hanover has the highest rates for the three offenses. The severity of driving offenses can dramatically affect car insurance premiums.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
ChubbAnnual Premium$1,494Monthly Premium$125
WestfieldAnnual Premium$1,575Monthly Premium$131
ProgressiveAnnual Premium$1,587Monthly Premium$132
Auto-Owners Insurance CoAnnual Premium$1,594Monthly Premium$133
EncompassAnnual Premium$1,627Monthly Premium$136
Farm Bureau Ins of MIAnnual Premium$1,653Monthly Premium$138
FarmersAnnual Premium$1,700Monthly Premium$142
Pioneer State Mutual Ins CoAnnual Premium$1,756Monthly Premium$146
Grange InsuranceAnnual Premium$1,788Monthly Premium$149
TravelersAnnual Premium$1,859Monthly Premium$155
GEICOAnnual Premium$2,216Monthly Premium$185
State FarmAnnual Premium$2,971Monthly Premium$248
HanoverAnnual Premium$4,813Monthly Premium$401

In Grand Rapids, as in other cities, insurance premiums escalate with the gravity of a driving infraction due to higher accident risk associated with serious offenses. For instance, a driver with a DUI on their record could face an average annual insurance rate of $6,944, compared with $4,289 for someone with a speeding ticket — a significant disparity. Such variations underline the necessity for individuals with driving offenses to diligently shop around for insurance rates to ensure they secure potential savings.

Cheapest Car Insurance in Grand Rapids for Teens and Their Families

GEICO is the cheapest car insurance option for teen drivers in Grand Rapids.

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

These premiums represent the combined cost of insuring two parents with a teen driver on the policy. By contrast, State Farm has the most expensive policy for teen drivers in Grand Rapids, with an annual rate of $8,966 for female teens. This significant price variation underscores why it's important for families to shop around, especially given the elevated insurance risks associated with teenage drivers.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$2,184Individual Plan Monthly Premium$2,362
ProgressiveFamily Plan Annual Premium$2,521Individual Plan Monthly Premium$6,411
Auto-Owners Insurance CoFamily Plan Annual Premium$3,094Individual Plan Monthly Premium$2,359
EncompassFamily Plan Annual Premium$3,221Individual Plan Monthly Premium$3,729
FarmersFamily Plan Annual Premium$3,754Individual Plan Monthly Premium$10,988
TravelersFamily Plan Annual Premium$4,750Individual Plan Monthly Premium$4,632
State FarmFamily Plan Annual Premium$8,966Individual Plan Monthly Premium$6,202

In Grand Rapids, young drivers seeking individual car insurance policies face significantly higher premiums compared to those added to a family plan. On average, a teen’s standalone annual premium is approximately $5,240, while joining a family policy averages around $4,070.

This difference is largely due to insurers viewing teens as higher-risk drivers who are more likely to file claims. Consequently, teens often struggle to secure individual policies without a proven driving record or credit history. For cost-effective coverage, families should consider the substantial savings offered by shared policies.

Cheapest Car Insurance in Grand Rapids for Military Drivers

USAA offers the cheapest full coverage car insurance for military backgrounds in Grand Rapids.

  • USAA: $920 per year
  • Travelers: $978 per year

Not only is USAA the most affordable option, but this insurer is also celebrated for services that are specifically tailored to meet the needs of active duty military members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$920Monthly Premium$77
TravelersAnnual Premium$978Monthly Premium$81
GEICOAnnual Premium$997Monthly Premium$83
Pioneer State Mutual Ins CoAnnual Premium$1,179Monthly Premium$98
Auto-Owners Insurance CoAnnual Premium$1,228Monthly Premium$102
Farm Bureau Ins of MIAnnual Premium$1,267Monthly Premium$106
ProgressiveAnnual Premium$1,298Monthly Premium$108
FarmersAnnual Premium$1,309Monthly Premium$109
WestfieldAnnual Premium$1,310Monthly Premium$109
Grange InsuranceAnnual Premium$1,351Monthly Premium$113
EncompassAnnual Premium$1,438Monthly Premium$120
ChubbAnnual Premium$1,494Monthly Premium$125
State FarmAnnual Premium$2,012Monthly Premium$168
HanoverAnnual Premium$3,296Monthly Premium$275

How to Compare Cheap Grand Rapids Car Insurance Quotes Online

In Grand Rapids, comparing car insurance rates is a key strategy for cost savings. However, the process is often cumbersome, potentially requiring over an hour to examine rates from three or more companies.

MoneyGeek's car insurance calculator can help you streamline this process. By inputting details like age, driving history, credit score and preferred coverage, you can instantly receive rate estimates.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Oct 04, 2024

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Best Car Insurance in Grand Rapids: Overview

Choosing the optimal auto insurance for you hinges on the importance you place on factors such as service quality, cost, coverage, and more. Utilizing distinct scoring systems for each category, we identified top car insurance providers in Grand Rapids to suit different preferences:

  • Best overall: Chubb (MoneyGeek score 92 out of 100)
  • Best for service: Chubb (MoneyGeek score 93 out of 100)
  • Best cheap: Westfield (MoneyGeek score 90 out of 100)

Chubb emerges as the leading insurer in Grand Rapids for overall value and service, indicating its excellence in balancing quality and cost while excelling in customer experience. On the other hand, Westfield specializes in affordability, providing budget-conscious consumers with cost-effective options without a significant compromise in service quality.

Overall Best Car Insurance in Grand Rapids

Chubb offers the best option in Grand Rapids for car insurance, providing top-notch coverage and service. Here's a snapshot of the leading providers rated for quality and cost:

  • Chubb: MoneyGeek score of 92 out of 100 ($1,494 per year)
  • Westfield: MoneyGeek score of 86 out of 100 ($1,310 per year)

Chubb stands out in Grand Rapids with the highest MoneyGeek score, indicative of superior satisfaction and robust claims handling. Achieving the top spot, the score is a reflection of its comprehensive full coverage policies while maintaining competitive annual premiums.

Company logo for Chubb
Chubb
MoneyGeek Score:
92/ of 100

Overview

Chubb has excellent satisfaction and claims handling. The company provides both rental car and/or travel reimbursement and roadside assistance, ensuring it offers the two most common car insurance coverages. Chubb also includes reasonably common coverages such as original equipment manufacturer (OEM) coverage, which can be particularly beneficial for keeping your vehicle in prime condition with authentic parts.

Chubb excels by offering valuable coverages like diminished value coverage, offering the peace of mind that you can receive your car's pre-accident value in the event of a covered loss. Furthermore, its Agreed Value feature ensures you'll get the full insured amount without depreciation for a total loss.

Best Car Insurance in Grand Rapids for Customer Service

Chubb is the best option in Grand Rapids when prioritizing customer service in car insurance. This recognition comes irrespective of insurance rates and is based exclusively on high satisfaction in overall customer service, efficient claims handling and comprehensive coverages.

  • Chubb: MoneyGeek score of 93 out of 100 ($1,494 per year)
  • Westfield: MoneyGeek score of 86 out of 100 ($1,310 per year)

Chubb distinguishes itself primarily through its exceptional customer satisfaction and best-in-class claims service. These factors significantly influence its MoneyGeek score, making it the leader in delivering quality service to their policyholders in Grand Rapids.

Company logo for Chubb
Chubb
MoneyGeek Score:
93/ of 100

Overview

Chubb's high MoneyGeek score is bolstered primarily by excellent satisfaction and claims scores. The company offers rental car and/or travel reimbursement and roadside assistance, making it a well-rounded choice with common coverage options.

Chubb offers valuable coverages such as original equipment manufacturer (OEM) coverage — especially important for newer cars to ensure the use of manufacturer-approved parts in repairs. Its diminished value coverage provides customers with potential value retention after an accident, not typically offered by many insurers. Additionally, its antique/classic car insurance is perfect for enthusiasts looking to protect vintage investments.

Best Cheap Car Insurance in Grand Rapids

Westfield is the best option for cheap car insurance in Grand Rapids, considering affordability and customer satisfaction. This finding takes into account the importance of cost but also includes an insurer's performance in claims handling and general satisfaction.

  • Westfield: MoneyGeek score of 90 out of 100 ($273 per year)
  • Chubb: MoneyGeek score of 89 out of 100 ($581 per year)

Westfield stands out for its excellent blend of a high affordability score and a solid performance in customer satisfaction. These factors contribute significantly to Westfield's MoneyGeek score for a minimum coverage policy, indicating that it's an outstanding choice for budget-conscious drivers who don't want to compromise on quality.

Company logo for Westfield
Westfield
MoneyGeek Score:
90/ of 100

Overview

Chubb's sterling MoneyGeek score is bolstered by top-notch satisfaction and claims scores, affirming a strong customer experience. Chubb includes rental car and/or travel reimbursement and roadside assistance, ensuring essentials are met.

In terms of reasonably common coverages, Chubb offers original equipment manufacturer (OEM) coverage, a valuable add-on for anyone who prizes maintaining their vehicle with authentic parts post-accident. Agreed value coverage is essential for those seeking to lock in their car's value, ensuring that in the event of a total loss, policyholders receive the full agreed amount without depreciation.

Average Cost of Car Insurance in Grand Rapids

In Grand Rapids, Michigan, the average monthly cost of car insurance is $1,487. This is lower than Michigan's state average of $2,316. Comparatively, the state's average cost is substantially higher than the national average of $1,781, with Michigan's premiums surpassing the national figure by $535.

The cost of car insurance is influenced by a multitude of factors, not just the location of the insured. Although the place of residence plays a significant role in determining rates — because it is often linked to local traffic density, accident rates, and other geographic risk elements — it's just one of the many variables insurers consider.

Within Michigan, Detroit holds the title for the highest average car insurance cost at $4,234, while Ann Arbor stands on the other end of the spectrum with the most affordable average premium at $1,376. This stark contrast illustrates the impact of location within a single state. In less urbanized, lower traffic areas, car insurance rates may descend even further.

Ann ArborAnnual Premium$1,376
DetroitAnnual Premium$4,234
Grand RapidsAnnual Premium$1,487
LansingAnnual Premium$1,613
Sterling HeightsAnnual Premium$2,159
WarrenAnnual Premium$2,697

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.