Cheapest Auto Insurance in Grand Rapids, Michigan (2024)
Auto-Owners offers the cheapest car insurance in Grand Rapids, with minimum-coverage policies as low as $55 per month.
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Written byErin Gobler
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5+ years of finance writing experience
Certificate of financial planning from Boston University
Erin is a personal finance writer and journalist with work featured in major publications. Her writing explores investing, credit cards, mortgages, insurance, and more.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Updated November 20, 2024
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Table of contents
Grand Rapids drivers pay an average of $146 per month for liability insurance, compared to the state average of $172 and the national average of $104. Michigan generally has high insurance premiums compared to the rest of the country.
A comparatively lower number of accidents — 562 in 2022 — for the city’s population size of nearly 200,000 may contribute to Grand Rapids’ relatively lower car insurance costs.[1]
Even with Michigan’s high car insurance rates, Grand Rapids drivers have plenty of ways to save money on car insurance, including comparing car insurance quotes, maintaining a clean driving record, and taking advantage of discounts offered by insurance companies.
Quick Facts
Auto-Owners, USAA, and Chubb offer the cheapest liability insurance in Grand Rapids.
The average cost of full-coverage insurance in Grand Rapids is $274. This is less than the state average of $299 but more than the national average of $204 per month for full-coverage insurance.
Michigan is a no-fault insurance state, which means your insurer has to cover your own medical expenses and related losses after a car accident, regardless of fault. This increases average insurance costs.
3 of the cheapest car insurance companies in Grand Rapids
While Grand Rapids drivers have many car insurance companies to choose from, you should always consider your budget, driving record, and coverage needs when comparing insurance company options.
The companies below all provide highly-rated insurance coverage at some of the best prices in Grand Rapids. The quotes included below reflect statewide average costs in Michigan.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Chubb | 6.5 | $121 | $68 | Premium coverage |
| Auto-Owners | 8.5 | $111 | $62 | Affordable rates |
| USAA | 9.4 | $112 | $63 | Military families |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for premium coverage: Chubb
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $61/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
3.6
A solid optionBased on 5 verified guest reviews and ratings
How drivers feel about Chubb
Drivers appreciate the professional customer service and quick claims handling but dislike the expensive rates and limited online portal.
AI-generated from the text of verified reviews collected by Insurify
Best For
High net worth drivers
Customer service
Classic car coverage
How drivers feel about Chubb
Drivers appreciate the professional customer service and quick claims handling but dislike the expensive rates and limited online portal.
AI-generated from the text of verified reviews collected by Insurify
Best For
High net worth drivers
Customer service
Classic car coverage
Reviews (4)
Cynthia
August 11, 2024
Verified Review
Excellent!
Absolutely great!
Alexander
June 18, 2024
Verified Review
I have submitted all the information about my two cars to you and I still don't have a quote. You sent me an email saying you have a quote for me, but when I enter the field, it keeps asking me for the same information about my cars. Your service has been disappointing. Perhaps, your team needs to reassess its efficiency.
I have submitted all the information about my two cars to you and I still don't have a quote. You sent me an email saying you have a quote for me, but when I enter the field, it keeps asking me for the same information about my cars. Your service has been disappointing. Perhaps, your team needs to reassess its efficiency.
Troy
October 6, 2021
Verified Review
Good
They are great to deal with, just expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.41A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Chubb is a popular insurance company for luxury car drivers and people who want premium coverage. And while it’s often a more expensive insurer, it has some of the cheapest rates for Grand Rapids drivers.
Pros
Cheap monthly premiums
Few customer complaints
Premium coverage options
Cons
No online quotes
No discounts listed
Few local agents
Best insurer for affordable rates: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners ranks near the top of the list for overall customer satisfaction and has few customer complaints compared to competitors. That, combined with its low monthly premiums, makes it a great choice for Grand Rapids drivers.
Pros
Highly rated customer satisfaction
Few customer complaints
Lots of discounts
Cons
Below-average claims satisfaction
No online quotes
Not the best digital tools
Best insurer for military families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
If you or an immediate family member is a current or former military service member, you can get insurance through USAA. This company boasts low premiums and high customer satisfaction.
Pros
Highly rated customer satisfaction
Additional savings through SafePilot program
Offers many other financial services
Cons
Only available to current and former military members and their families
Must become a USAA member to get insurance
High number of customer complaints
)
Top 10 Cheapest Car Insurance Companies for November 2024
How to get the cheapest car insurance in Grand Rapids
If you’re looking to save money on your car insurance premiums in Grand Rapids, you have plenty of options. Here are a few ways to reduce your insurance premiums:
Compare quotes. Get quotes from multiple companies to see which offers the lowest premium for the coverage and customer service you need.
Bundle home and auto policies. Many insurance companies offer a discount when you bundle your auto insurance with a home or renters insurance policy.
Take advantage of discounts. Common insurance discounts include those for clean driving records, having certain vehicle safety features, setting up automatic payments, and more.
Increase your credit score. The better your credit score, the cheaper your insurance premiums will be.
Raise your deductible. Generally speaking, the higher your deductible, the lower your premiums will be, and vice versa.
Find Cheap Car Insurance in Grand Rapids
Liability rates start as low as $55 per month
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Cheapest liability-only car insurance in Grand Rapids: Auto-Owners
Liability-only car insurance is generally the cheapest type of auto policy you can buy. Liability coverage pays for damages that result from an accident where you’re at fault, covering injuries to others and damage to other people’s property.
It’s important to note that, unlike most states, Michigan doesn’t allow drivers to carry just liability coverage since the state’s minimum coverage is higher than most. In Grand Rapids, the average cost of liability coverage is $146 per month.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $55 |
| USAA | $56 |
| Chubb | $61 |
| GEICO | $85 |
| Safeco | $95 |
| Progressive | $106 |
| Nationwide | $113 |
| State Farm | $115 |
| Direct Auto | $131 |
| Travelers | $133 |
| Bristol West | $161 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Grand Rapids: Auto-Owners
While liability coverage pays for damage to other people and their property, full-coverage car insurance also pays for damage to your own vehicle, regardless of who was at fault. Michigan doesn’t require full coverage, but it’s a good idea for most drivers.
You should carry full coverage if you have a valuable vehicle, still have a loan or lease on your car, or wouldn’t be able to replace it out of pocket if it were totaled. The monthly average cost of full coverage in Grand Rapids is $274.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $99 |
| USAA | $100 |
| Chubb | $108 |
| GEICO | $151 |
| Progressive | $157 |
| Safeco | $157 |
| Nationwide | $202 |
| State Farm | $206 |
| Travelers | $238 |
| Direct Auto | $266 |
| Bristol West | $293 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Grand Rapids, Michigan
Drivers using Insurify have found quotes as cheap as $54/mo for liability only and $105/mo for full coverage in Grand Rapids and other Michigan cities.
*Quotes generated for Insurify users in and around Grand Rapids, Michigan within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Grand Rapids, Michigan within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Michigan
Michigan’s minimum insurance requirements are higher than in many other states. While most states only require liability insurance, Michigan requires liability insurance, personal injury protection, and property protection insurance.
Here’s what those three coverages do:
Personal injury protection (PIP) pays for the policyholder’s medical bills and related expenses, including lost wages. Each policyholder’s PIP pays for their own expenses after a car accident, regardless of who was at fault.
Property protection insurance (PPI) pays for damages a policyholder’s vehicle does to other people’s property. It doesn’t pay for damage to other vehicles except for properly parked vehicles.
Residual liability insurance (BI/PD) pays for damages to other people and their property when a policyholder is at fault for an accident. The required bodily injury insurance pays for injuries to others, while the property damage liability insurance pays for damage to other property in another state.[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Personal injury protection | One of the following:
|
| Property protection insurance | $1 million |
| Bodily injury liability | $250,000 per person / $500,000 per accident |
| Property damage liability | $10,000 for damage in another state |
The coverages listed above are the only ones required in Michigan. But other optional coverages can protect you from financial losses. Here are a few you may want to consider:
Collision coverage
Collision coverage pays for damage to your vehicle after an accident, regardless of who’s at fault. It could be an accident with another vehicle or an object like a tree or a telephone pole.
Comprehensive coverage
Comprehensive coverage pays for damage to your vehicle caused by something other than an accident, including theft, vandalism, inclement weather, and more.
Property damage liability coverage
Known as “mini-tort” insurance, this provides additional liability insurance.
Towing and rental car coverage
This pays for roadside assistance or a rental car if your car breaks down or you experience a covered event.
Michigan no-fault insurance
No-fault insurance
Michigan is one of a handful of states with no-fault insurance, meaning that each driver carries insurance to pay for their own injuries after an accident. Most other states require the at-fault driver’s insurance coverage to pay for all damages.
One of the characteristics of Michigan’s no-fault law is that insured drivers can’t be sued after an accident, except in certain extreme situations. In those situations where a driver can be sued, their residual liability insurance would pay for the damages.
The situations where Michigan’s no-fault law allows an injured party to sue an insured at-fault driver include:
An accident in which someone was killed, seriously injured, or permanently disfigured
An accident with a non-resident driving a vehicle not registered in Michigan
An accident that took place in another state
An accident where one driver was at least 50% at fault and the not-at-fault driver doesn’t have insurance (up to $3,000 of coverage)
Cheapest car insurance for drivers with an incident
Your driving record is an essential factor insurance companies consider when setting your insurance premiums. Incidents like speeding tickets, driving under the influence, and at-fault accidents show insurance companies that you’re a higher-risk driver, which often causes them to increase insurance rates.
The average cost of car insurance for Grand Rapids drivers with a past incident is $174 per month for liability coverage and $326 for full-coverage insurance.
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
If you get a speeding ticket, your premiums will likely increase. The amount depends on several factors, including your insurer’s policies, the speed you were driving, and whether you have previous speeding tickets on your record.
Grand Rapids drivers with a speeding ticket face an average monthly cost of $172 for liability-only coverage. Below, you can find some of the city’s cheapest liability insurance options for drivers with speeding tickets.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $55 | $66 |
| USAA | $56 | $66 |
| Chubb | $61 | $74 |
| GEICO | $85 | $101 |
| Safeco | $95 | $114 |
| Progressive | $106 | $125 |
| Nationwide | $113 | $136 |
| State Farm | $115 | $135 |
| Direct Auto | $131 | $156 |
| Travelers | $133 | $159 |
| Bristol West | $161 | $192 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
An at-fault accident will typically cause your insurance company to increase your premiums. When you cause an accident, your insurer has to pay for your claim, and you’ve shown that you’re a risky driver, indicating you may be more likely to file a claim in the future.
In Grand Rapids, drivers with at-fault accidents pay an average of $185 per month for liability auto insurance. Here are some of the lowest liability monthly quotes for drivers with an at-fault accident in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $55 | $70 |
| USAA | $56 | $71 |
| Chubb | $61 | $78 |
| GEICO | $85 | $108 |
| Safeco | $95 | $120 |
| Progressive | $106 | $136 |
| Nationwide | $113 | $145 |
| State Farm | $115 | $145 |
| Direct Auto | $131 | $170 |
| Travelers | $133 | $170 |
| Bristol West | $161 | $204 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Driving under the influence (DUI) is a very serious moving violation that can increase your insurance premiums significantly. In the immediate aftermath of a DUI, you’re likely to have your license suspended for anywhere from 180 days to a year, depending on the severity of the violation. You could even be subject to jail time.[3]
Once you can legally drive again, your insurance rates will almost certainly be higher than before the DUI. The average monthly cost of liability car insurance with a DUI on your license in Grand Rapids is $215. Here are some of the lowest car insurance quotes for drivers with a DUI in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $55 | $86 |
| USAA | $56 | $87 |
| Chubb | $61 | $95 |
| GEICO | $85 | $133 |
| Safeco | $95 | $137 |
| Progressive | $106 | $165 |
| Nationwide | $113 | $176 |
| State Farm | $115 | $179 |
| Direct Auto | $131 | $204 |
| Travelers | $133 | $207 |
| Bristol West | $161 | $251 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
It’s common knowledge that young drivers pay higher insurance premiums, but you may be surprised to learn that senior drivers also pay higher premiums. Your insurance risk generally decreases over your lifetime if you’re a clean driver, but once you reach your 70s, your auto insurance risk rises, often resulting in higher premiums.[4]
Grand Rapids seniors pay an average of $129 per month for liability coverage and $242 for full coverage. Below are the average monthly car insurance quotes for seniors in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $45 | $81 |
| Chubb | $46 | $82 |
| USAA | $46 | $83 |
| GEICO | $70 | $125 |
| Progressive | $80 | $118 |
| Safeco | $84 | $138 |
| Nationwide | $88 | $157 |
| State Farm | $93 | $166 |
| Direct Auto | $106 | $215 |
| Travelers | $108 | $193 |
| Bristol West | $134 | $243 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Young drivers pay higher insurance premiums than any other drivers on the road. Teen drivers lack driving experience and maturity, which can make them more likely to engage in high-risk driving behaviors and get into an accident.[5]
On average, teen drivers in Grand Rapids pay $202 per month for liability-only coverage and $380 for full coverage.
But teens and young adults still have plenty of ways to save money on car insurance. Many insurers offer discounts for young drivers, including those for good students or young drivers who take driver safety courses. Teen drivers can also save money by staying on their parents’ insurance policy for as long as possible.
Below are the average insurance quotes for teens in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $84 | $151 |
| USAA | $85 | $152 |
| Chubb | $107 | $190 |
| GEICO | $122 | $217 |
| Safeco | $168 | $278 |
| Progressive | $169 | $251 |
| Nationwide | $180 | $321 |
| State Farm | $180 | $322 |
| Direct Auto | $219 | $445 |
| Travelers | $220 | $393 |
| Bristol West | $246 | $448 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Is car insurance more expensive in Grand Rapids?
The average monthly car insurance rates in Michigan — at $172 for liability and $299 for full coverage — are much higher than the national average. For comparison, the U.S. average rates are $104 per month for liability coverage and $204 for full-coverage insurance. Grand Rapids drivers pay higher rates than the national average but lower rates than the state average.
Grand Rapids drivers pay an average of $146 per month for liability insurance and $274 for full-coverage car insurance. Coverage in Grand Rapids is cheaper than rates in some other cities in the state. For example, drivers in Detroit pay much higher rates, likely due to increased levels of risk related to population density and vehicle theft rates.
More cities in Michigan
Insurance premiums can vary significantly, even within the state of Michigan. Different cities — and even different ZIP codes — might have higher rates due to more accidents, more vehicle theft and overall crime, more uninsured drivers, and other factors.
The table below shows average car insurance quotes in other Michigan cities.
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Ann Arbor | $148 | $273 |
| Flint | $178 | $320 |
| Dearborn | $312 | $466 |
| Detroit | $337 | $393 |
| Kalamazoo | $160 | $298 |
| Lansing | $147 | $256 |
| Rochester | $169 | $301 |
| Warren | $216 | $333 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Grand Rapids car insurance FAQs
Finding the right car insurance can be difficult. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Grand Rapids.
How much is car insurance in Grand Rapids?
Drivers in Grand Rapids pay an average of $274 per month for full-coverage insurance and $146 per month for liability coverage. Your exact rate will depend on your insurer, driving record, age, credit history, vehicle type, coverage level, and more.
Which company has the cheapest car insurance in Grand Rapids?
Auto-Owners has the cheapest car insurance rates in Grand Rapids, at $55 per month for liability-only coverage. Grand Rapids drivers can also find cheap rates with USAA and Chubb, which have monthly liability rates of $56 and $61, respectively.
What are the best car insurance companies in Grand Rapids?
Auto-Owners is the best car insurance company in Grand Rapids, with an Insurify Quality (IQ) Score of 8.5 out of 5 and an AM Best financial strength rating of A++ (Superior). The average cost of car insurance from Auto-Owners in Michigan is $62 per month for liability coverage and $111 for full-coverage insurance. Of the insurers Insurify has rate data for, other top Grand Rapids choices include Chubb and USAA.
What is Michigan’s minimum car insurance?
Michigan drivers must carry at least $50,000 per person per accident in personal injury protection coverage, $250,000 per person and $500,000 per accident in bodily injury liability insurance, and $10,000 for property damage liability coverage. They also must carry $1 million in property protection insurance.
Can Michigan insurers consider credit history?
Michigan is one of the few states in which insurers can’t use your credit-based insurance score when determining your car insurance rates. In most other states, drivers with an excellent or good credit history pay lower rates than drivers with a poor credit history.[6]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Michigan Traffic Crash Facts. "Data Query Tool."
- Michigan Department of Insurance and Financial Services. "Brief Explanation of Michigan No-Fault Insurance."
- Michigan State Police. "Impaired Driving Law."
- Insurance Institute for Highway Safety. "Older drivers."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- Michigan Department of Insurance and Financial Services. "MICHIGAN’S NEW AUTO INSURANCE LAW."
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Erin Gobler
Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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