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 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.
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.
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.
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.
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.
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.
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.
Good customer service
Offers diminished value coverage and original equipment manufacturer (OEM) coverage
Poor coverage availability score
Lacks accident forgiveness, roadside assistance and gap insurance
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.
Excellent customer service
Outstanding claims experience
Offers classic car insurance and rental car reimbursement coverage
Lacks accident forgiveness, gap insurance and other common coverage options
Low coverage score
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.
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
Lacks multiple car and safe driving discounts
Poor coverage availability
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