Cheap Auto Insurance Quotes in Grand Rapids, MI (2021)

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Car Insurance in Grand Rapids, MI

The average cost of Michigan car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Grand Rapids, MI to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$241
Liberty Mutual
Monthly $

Cheapest Car Insurance in Grand Rapids, MI

Here are the cheapest carriers in Grand Rapids for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$435
$520
$338
$399
$678
$241
MichiganDetroitWarrenSterling HeightsAnn ArborGrand Rapids
Monthly $

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Grand Rapids, MI Driving Facts

michigan

Minimum Car Insurance Requirements in MI

Michigan has more complex insurance laws, centered around a no-fault car insurance policy mandate, that are designed to cover injuries and damages caused in an accident regardless of fault. Michigan car insurance companies also offer three types of collision car insurance: limited, standard, and broad form.

Find local Grand Rapids agents

Hylant Group 
85 Campau Avenue NW, Suite 100, Grand Rapids, MI 49503
Dalessandro Agency Inc. 
1500 44Th St Se, Grand Rapids, MI 49508
Thum Insurance Agency 
3140 3 Mile Rd NE, Grand Rapids, MI 49525
Insurance Advantage Agency 
5242 Plainfield Ave Ne, Grand Rapids, MI 49525-1084
Burr & Company 
3351 Claystone SE #G19, Grand Rapids, MI 49546
Blackwell Insurance Services, LLC 
1700 E Beltline Ave NE, Grand Rapids, MI 49525-7044
Paul Goebel Group 
161 Ottawa Ave Nw Ste 301, Grand Rapids, MI 49503-2718
Watermark Insurance Agency Services 
4891 Cascade Rd Se, Grand Rapids, MI 49546-3750
America One Voyager Insurance Services 
488 Kinney Ave Nw, Grand Rapids, MI 49534-4509
Warsen Insurance Agency Inc 
6700 S Division Ave, Grand Rapids, MI 49548-7834

Insurify Insights: How Grand Rapids Drivers Measure Up

chevrolet
Chevrolet Impala
Most Popular Car in
Grand Rapids, MI
suspended licenses
#16
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Grand Rapids drivers measure up to their fellow Michigan motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Grand Rapids

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Grand Rapids drivers rank 4 in the number of car accidents per driver across all cities in Michigan.

  • Rank within state: #4
  • Percent of drivers in Grand Rapids with an accident: 7.35%
  • Drivers in Grand Rapids, MI with an accident in their driving history paid on average 20.75% more than drivers with a clean record

Speeding Grand Rapids

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Michigan, Grand Rapids drivers rank 15 in the number of speeding infractions per driver.

  • Rank within state: #15
  • Percent of drivers in Grand Rapids with a speeding ticket: 7.01%
  • Drivers in Grand Rapids, MI with a speeding ticket in their driving history paid on average 16.67% more than drivers with a clean record

DUI/DWIs Grand Rapids

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Grand Rapids drivers rank 10 in the number of DUI’s per driver across all cities in Michigan.

  • Rank within state: #10
  • Percent of drivers in Grand Rapids with a DUI: 1.65%
  • Drivers in Grand Rapids, MI with a DUI in their driving history paid on average 25.51% more than drivers with a clean record

Most Popular Vehicle Grand Rapids

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Grand Rapids is the Chevrolet Impala.

Rude Grand Rapids

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Michigan, Grand Rapids drivers rank 11 in rude driving infractions.

  • Rank within state: #11
  • Percent of drivers in Grand Rapids with a reckless driving violation: 1.6%
  • Drivers in Grand Rapids, MI with a reckless driving violation in their driving history paid on average 18.37% more than drivers with a clean record.

Safest Drivers Grand Rapids

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Grand Rapids drivers rank 14 in clean driving records across all cities in Michigan.

  • Rank within state: #14
  • Percent of drivers in Grand Rapids with clean record: 85.76%

Failure to Yield the Right of Way Grand Rapids

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Grand Rapids drivers rank 10 in failure to yield violations per driver across all cities in Michigan.

  • Rank within state: #10
  • Percent of drivers in Grand Rapids with a failure to yield violation: 0.4%
  • Drivers in Grand Rapids, MI with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Grand Rapids

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Michigan, Grand Rapids drivers rank 6 in the number of reckless driving offenses per driver.

  • Rank within state: #6
  • Percent of drivers in Grand Rapids with a reckless driving offense: 0.06%

Hybrid/Electric Vehicle Ownership Grand Rapids

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Grand Rapids drivers rank 23 in hybrid and electric vehicle ownership across all cities in Michigan.

  • Rank within state: #23
  • Percent of drivers in Grand Rapids with a hybrid/electric vehicle: 0.49%
Most Patriotic City

Most Patriotic City

Grand Rapids

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Muskegon won Insurify's Most Patriotic Cities Award for the state of Michigan. The city holds an annual Veterans Job Fair that attracts former service people from across the state.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.