Cheap Auto Insurance Quotes in Grand Rapids, MI (January 2022)

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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.
$241
Liberty Mutual

Cheapest Car Insurance in Grand Rapids, MI

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$455
$520
$338
$498
$678
$241
MichiganDetroitWarrenSterling HeightsAnn ArborGrand Rapids
Click here to learn about car insurance quotes and save on your current policy.

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
#24
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 in 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 in 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 in 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 in 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 in 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 in 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 in 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 in 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 in 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%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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