Grand Rapids, MI, Car Insurance

While car insurance in Grand Rapids costs $126 per month on average for full coverage, monthly premiums range from $58 to $454 depending on the policy, vehicle and driver's personal details. To give drivers a better sense of expected premiums, the table below includes the average car insurance costs in Grand Rapids for various driver profiles:

Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.

The average cost of car insurance in Grand Rapids is $1,516 per year for full coverage and $680 per year for state minimum liability coverage. These estimates are lower than the Michigan averages of $2,193 for full coverage and $1,067 for state minimum liability coverage.

Premiums may be up across Michigan, but you can still get cheap car insurance in Grand Rapids. The lowest premium available costs $25 per month for minimum coverage from Westfield. With premiums averaging $83 per month, GEICO has the best full coverage rates available for the city's residents.

While Westfield has the cheapest car insurance in Grand Rapids for most drivers, the most affordable car insurance available varies from driver to driver. The best way to find the cheapest car insurance is to get quotes from multiple providers. The table below has the cheapest car insurance rates for a variety of driver profiles:

Because each car insurance company prices premiums differently, the only way to find the cheapest car insurance in Grand Rapids is to compare rates from multiple providers. In the sections below, we break down the cheapest car insurance for minimum coverage and full coverage car insurance.

Westfield offers the most affordable minimum coverage vehicle insurance at $25 per month, while Travelers comes in second at $28 per month. Here's a breakdown of the cheapest options:

With average rates of $81 per month, Travelers offers the cheapest full coverage car insurance in Grand Rapids. The full list of providers is included below:

To find the cheapest car insurance in Grand Rapids, we recommend getting quotes from several car insurance companies in the area. Travelers is the cheapest car insurance company in Grand Rapids overall at $656 per year, while Chubb is the best cheap provider with a MoneyGeek score of 93/100. Below are additional options to consider in your search:

*Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,516 per year for 40-year-olds and $1,433 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

GEICO offers the cheapest overall car insurance for teens for full coverage in Grand Rapids, with rates that are 46% lower than the city average. The table below also breaks down some of the most affordable providers in the city for the age group:

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

At $31 per month, Westfield offers the best minimum coverage rates in Grand Rapids for young drivers, while GEICO provides the most affordable full coverage at $84 per month. Check the table below to see which providers offer the cheapest rate for different young driver profiles:

Travelers offers the most affordable auto insurance coverage overall for young drivers at $62 per month. Here are other companies with competitive rates:

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

Travelers and GEICO can be affordable options for you, but this can differ based on a variety of factors. The table below shows the cheapest providers for different driver and coverage profiles that may better fit you:

Travelers offers the cheapest monthly premium for seniors at $54 when considering both full and minimum liability coverage. GEICO also provides an affordable premium at $67 per month. Here’s a look at the top options for seniors in Grand Rapids:

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

In Grand Rapids, high-risk driver profiles show that both minimum and full coverage rates are lower than the state average. Minimum coverage costs $1,284 annually, while full coverage is $2,808. Michigan doesn't use DUIs but has impaired driving violations. Drivers with these violations pay the most for insurance, whereas accidents and speeding tickets have a smaller effect on rates.

Progressive offers the cheapest minimum coverage for drivers with a DUI at $520 per year. It also provides the least expensive full coverage option at $1,330 annually. Check out the table below for more low-cost coverage options.

*Rates are for a 40-year-old driver with good credit and a DUI.

Westfield, Chubb and Progressive offer the lowest rates for drivers with an at-fault accident in Grand Rapids. For more details on the cheapest auto insurance after an at-fault accident, explore the table below. It shows various providers offering affordable coverage for such drivers.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

Westfield is the cheapest car insurance provider for drivers with a speeding ticket in Grand Rapids, offering minimum coverage for $32 and full coverage for $140. Check the table below to see how other providers charge drivers with a speeding ticket on their record.

*Rates are for a 40-year-old driver with good credit and a speeding ticket.

In Michigan, in every city from Grand Rapids to Detroit, your car insurance minimums are set by statewide mandates. Here's what your policy needs at a minimum:

• $50,000 bodily injury per person
  
• $100,000 bodily injury per accident
  
• $10,000 property damage liability per accident
  
• Unlimited personal injury protection (PIP) per person
  

For instance, if you're at fault in an accident causing bodily injury to another person, your policy will cover up to $50,000 for their injuries. In a multi-person accident, it’ll cap at $100,000 for the event. Any costs beyond these amounts will be your responsibility.

In Grand Rapids, Travelers stands out as the most affordable option for overall coverage. Whether you're a young driver, a senior or someone with poor credit, multiple competitive options are available to fit various needs and budgets. Ensure that your policy meets Michigan’s mandatory coverage requirements, which include minimums for bodily injury, property damage and personal injury protection (PIP). By comparing providers, you can find affordable rates without sacrificing the necessary protection required by Michigan law.

This section provides quick answers to common questions about finding the cheapest and best car insurance options in Grand Rapids.

MoneyGeek conducted an analysis of Grand Rapids auto insurance prices using data from the Michigan Department of Insurance and Financial Services and Quadrant Information Services.

Grand Rapids Driver Profile
To assess the best and most affordable auto insurance options for Grand Rapids residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Grand Rapids
In assessing the car insurance quotes for Grand Rapids, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Michigan's mandated liability insurance parameters:

• $50,000 bodily injury per person
• $100,000 bodily injury per accident
• $10,000 property damage liability per accident
• Unlimited personal injury protection (PIP) per person

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Michigan providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Grand Rapids
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Grand Rapids.