Best cheap car insurance in Grand Rapids
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Many people look for the cheapest rates for car insurance without having to sacrifice coverage to meet their budget. The average cost of car insurance in Grand Rapids is $1,878 per year, or about $157 per month, for full coverage. For minimum coverage, the average annual rate is $713. The cheapest car insurance companies on average in Grand Rapids are Wolverine Mutual, Secura, USAA, Geico and Progressive, according to Bankrate’s research. Although car insurance rates can vary widely, knowing which carriers typically offer the most affordable rates could help narrow down your search when comparing car insurance quotes.
Best cheap car insurance companies in Grand Rapids
The best car insurance in Grand Rapids with the cheapest average rates comes from companies Wolverine Mutual, Secura and USAA, based on data provided by Quadrant Information Services. Besides average annual premiums, third-party rankings from companies like J.D. Power can offer insight into which carriers’ customers have the best experience in your region. The J.D. Power Auto Insurance Study, along with rates, available coverage and discounts, mobile and online accessibility also determine each carrier’s Bankrate Score. The Score, based on a five-point scale, could help shoppers find companies that will meet their needs and provide affordable rates.
|Insurance company||Bankrate Score||J.D. Power score (North Central Region)||Average annual premium for full coverage||Average annual premium for minimum coverage|
The cheapest car insurance in Grand Rapids may just be from Wolverine Mutual, according to its average rates for the area. This regional carrier, only available in three states including Michigan, offers auto, home, motorcycle and RV insurance, among other policy types. There are several discounts you may be eligible for to make your coverage even cheaper, like safe driver, good student and multi-policy. With its small footprint, Wolverine Mutual does not make the J.D. Power study in the North Central Region, but earns a perfect 5.0 Bankrate Score. To get a quote, you can reach out to an independent agent who partners with this carrier.
Another option for some of the cheapest average car insurance rates in Grand Rapids is Secura, especially if you’re only looking for minimum coverage. This carrier also partners with independent agents and is available in 14 states, including Michigan. Secura offers a robust standard policy with features like travel and medical assistance, identity theft protection, pet injury coverage, glass express and accident forgiveness. However, Secura only offers a bundled home and auto policy, so those looking for standalone auto insurance may need to seek other options.
Learn more: Secura Insurance Review
Although it does not meet the ranking criteria for J.D. Power due to its limited accessibility, USAA received the highest score in the 2022 J.D. Power U.S. Auto Insurance Study. In addition to great customer service, USAA also offers generous potential discounts and low average rates. The biggest drawback is that USAA only sells insurance to active duty and retired military members and their spouses and children. Some of USAA’s discounts include savings for garaging your vehicle on a military base, being a good student, being a safe driver, insuring a new vehicle and bundling two or more policies.
Learn more: USAA Insurance Review
Geico is well known as one of Grand Rapids’ cheap car insurance companies due to its low average rates in the city. If you are looking for affordable rates and need bare minimum coverage, Geico could be a good option. Just keep in mind that Geico’s policies are very basic, with few options to enhance a policy with add-ons. Geico also stands out for its savings opportunities. There are potential discounts for good students, military personnel, federal employees, taking a defensive driver course, having a car with certain safety features, being claims-free and going on emergency deployment, among others.
Learn more: Geico Insurance Review
Although Progressive has the most expensive average rates on our list, it still comes in below the average cost of car insurance for Grand Rapids. Drivers may be interested in its optional coverage offerings, such as gap insurance, rental car reimbursement, custom parts, rideshare coverage or the deductible savings bank, which deducts $50 from your comprehensive and collision deductibles for every claim-free policy period you have. If customer satisfaction is important, Progressive may not be the best option, however, as it earns a below-average J.D. Power score in the North Central region.
Learn more: Progressive Insurance Review
How to get and keep the cheapest car insurance in Grand Rapids
To get and keep the cheapest car insurance in Grand Rapids, drivers should determine their coverage needs and budget. With this information in mind, it may be easier to get the cheapest rates for the coverage you need. Plus, you won’t pay for coverage that isn’t necessary for you. Here are some other things to consider to get and keep the cheapest car insurance in Grand Rapids:
- Compare quotes from several carriers. By comparing car insurance quotes from different carriers, you can find the company with the most affordable rates for your coverage requirements and rating factors. Working with an independent agent might help make it even easier, as they can get multiple quotes at the same time and help you determine what coverage types and limits are best for your situation.
- Steer clear of tickets and accidents. By avoiding tickets and accidents, you will likely get the lowest rates available for you. You could also be eligible for discounts only available to those with a clean driving record, like safe driving discounts. You may also be eligible for accident forgiveness, which protects you from a rate increase if you cause an accident.
Frequently asked questions
The best car insurance company is different for everyone, since everyone brings a unique set of circumstances to the process of buying auto insurance. In order to find the best car insurance company for your needs, it is important to compare providers using your personal criteria. Then, get multiple quotes to see which insurance company can offer you the lowest rate for the type and amount of coverage you need.
Car insurance in Grand Rapids is required, with a minimum of 50/100/10 in liability insurance, as well as Personal Injury Protection (PIP) and Property Protection Insurance (PPI) in most cases. Insurance companies frequently recommend that drivers purchase more coverage than the minimum amount required to fully protect their finances after an accident. Additionally, liability-only coverage does not include any protection for your vehicle. If you lease your vehicle, you will likely be required to purchase full coverage car insurance.
Bankrate’s data for Michigan shows that Wolverine Mutual, Secura, USAA, Geico and Progressive offer the cheapest rates for full coverage car insurance. Keep in mind that average rates do not guarantee you similar rates, so it is a good idea to shop around and compare providers to see which company offers the best rates for you. Your rates are based on personal characteristics, like your age, driving record and claims history, plus the make and model of the car you drive and the coverage you choose.
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.
To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.
While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.