Cheapest Auto Insurance in Grand Rapids, Michigan (2025)

Grand Rapids drivers pay an average of $145 per month for liability insurance, compared to the state average of $171 and the national average of $105. 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.

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	$117	$64	Premium coverage
Auto-Owners	8.5	$107	$59	Affordable rates
USAA	9.4	$108	$59	Military families

• How Insurify rates insurance companies

  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 55,000 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

premium coverage

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User Reviews	3.7 4 reviews
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.	$58/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.	$105/mo

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Driver Reviews

3.7

A solid optionBased on 6 verified guest reviews and ratings

Best For

High net worth drivers

Customer service

Classic car coverage

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.

Previous

12

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.41

A.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

affordable rates

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User Reviews	4.0 113 reviews
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.	$53/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.	$96/mo

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Driver Reviews

4.0

Best choiceBased on 178 verified guest reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

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

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cheap rates

Senior drivers

Ample discounts

Reviews (113)

Joe

April 13, 2025

Verified Review

Survey

The customer service is good, but it's too expensive.

Wilmer

April 12, 2025

Verified Review

Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!

Excellent company, but I saved a considerable amount of money by switching to another company. I like Auto-Owners!

Charles

April 10, 2025

Verified Review

Unexpected Rate Increase After First Year

The rates significantly increased after the first year.

Previous

1234…25

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

837

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.5

A.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

military families

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User Reviews	4.9 1,114 reviews
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.	$54/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.	$97/mo

Show Details

Driver Reviews

4.9

Best choiceBased on 1,918 verified guest reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

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

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,114)

Peter

April 16, 2025

Verified Review

Excellent Insurance, Although Expensive

I rely on the excellent support provided by USAA.

Richard

April 14, 2025

Verified Review

Auto Premiums Becoming Unaffordable for Senior Vets; Homeowners Insurance Not Direct

This company provided great car insurance for decades. However, increasing premiums have led me to start comparison shopping.

Alan

April 14, 2025

Verified Review

Time for a Change

Great experience.

Previous

1234…25

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

880

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.35

A.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

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 $53 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 $145 per month.

The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$53
USAA	$54
Chubb	$58
GEICO	$81
Safeco	$94
Progressive	$104
Nationwide	$108
State Farm	$110
Travelers	$127
Direct Auto	$129
Bristol West	$155

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 $259.

The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$96
USAA	$97
Chubb	$105
GEICO	$146
Progressive	$155
Safeco	$157
Nationwide	$195
State Farm	$198
Travelers	$230
Direct Auto	$263
Bristol West	$284

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.

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: Unlimited coverage $500,000 per person per accident $250,000 per person per accident $250,000 per person per accident with exclusions (only available when drivers have qualified health coverage) $50,000 per person per accident (only available when drivers are enrolled in Medicaid) No coverage (only available to drivers enrolled in Medicare Parts A and B)
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 $165 per month for liability coverage and $294 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 $167 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: Tuesday, April 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
Auto-Owners	$53	$64
USAA	$54	$64
Chubb	$58	$69
GEICO	$81	$96
Safeco	$94	$114
Progressive	$104	$123
Nationwide	$108	$129
State Farm	$110	$128
Travelers	$127	$152
Direct Auto	$129	$154
Bristol West	$155	$186

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 $171 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: Tuesday, April 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
Auto-Owners	$53	$66
USAA	$54	$66
Chubb	$58	$71
GEICO	$81	$99
Safeco	$94	$120
Progressive	$104	$131
Nationwide	$108	$133
State Farm	$110	$133
Travelers	$127	$157
Direct Auto	$129	$162
Bristol West	$155	$190

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 $200. 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: Tuesday, April 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
Auto-Owners	$53	$80
USAA	$54	$81
Chubb	$58	$87
GEICO	$81	$122
Safeco	$94	$138
Progressive	$104	$156
Nationwide	$108	$162
State Farm	$110	$165
Travelers	$127	$191
Direct Auto	$129	$194
Bristol West	$155	$233

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 $128 per month for liability coverage and $229 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: Tuesday, April 1 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
Chubb	$44	$80
Auto-Owners	$44	$79
USAA	$45	$80
GEICO	$67	$120
Progressive	$77	$115
Safeco	$83	$139
Nationwide	$83	$151
State Farm	$88	$158
Travelers	$102	$185
Direct Auto	$103	$211
Bristol West	$129	$236

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 $204 per month for liability-only coverage and $365 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: Tuesday, April 1 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
Auto-Owners	$82	$148
USAA	$85	$153
Chubb	$107	$194
GEICO	$122	$220
Progressive	$168	$251
Safeco	$171	$286
State Farm	$179	$322
Nationwide	$180	$325
Travelers	$216	$392
Direct Auto	$223	$454
Bristol West	$242	$443

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 $171 for liability and $274 for full coverage — are much higher than the national average. For comparison, the U.S. average rates are $105 per month for liability coverage and $196 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 $145 per month for liability insurance and $259 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	$147	$265
Flint	$172	$303
Dearborn	$321	$558
Detroit	$329	$396
Kalamazoo	$158	$283
Lansing	$146	$253
Rochester	$170	$303
Warren	$221	$330

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