Best cheap car insurance in Grand Rapids

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In 2018, there were 22,307 car accidents in Kent County, home to Grand Rapids, Michigan. Car insurance is a legal requirement in Grand Rapids, where the average annual full coverage policy costs $2,021 and the average annual minimum coverage policy costs $816.

Finding the right car insurance company for your needs is a multi-step process. To make the process easier, we identified the best car insurance companies in Grand Rapids based on average rate, coverages available, discounts and more.

Best car insurance companies in Grand Rapids

The best car insurance companies in Grand Rapids, Michigan are USAA, Geico, Auto-Owners and Grange. These four providers stand out for their high customer satisfaction ratings, financial strength scores, coverage options, discounts and affordable rates.

Insurance Company J.D. Power Score
(North Central region)
Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
USAA 897 / 1,000 $442 $1,150
Geico 851 / 1,000 $527 $1,154
Auto-Owners 845 / 1,000 $709 $1,794
Grange 832 / 1,000 $1,436 $2,199

Quadrant Information Services, 2020

USAA

Although it does not meet the ranking criteria, USAA received a high score in the 2020 J.D. Power U.S. Auto Insurance Study. In addition to low rates, USAA also offers reliable coverage, generous discounts and great customer service. The only drawback is that USAA only sells insurance to active duty and retired military members, and their spouses and children.

According to the website, drivers who switch to USAA save an average of over $700 per year. 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.

Geico

Geico is well known for selling cheap car insurance policies in Grand Rapids. If you are looking for the lowest rate and need bare minimum coverage, Geico may be your best 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 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.

Auto-Owners

Auto-Owners sells car insurance in Grand Rapids through independent agents. The company is a great option for drivers who are looking for a provider that offers great customer service and claims handling, plus reasonable rates and unique coverage options.

With Auto-Owners, drivers can customize their policy with gap insurance, diminished value coverage and the company’s signature Personal Automobile Plus Package, which includes 10 additional coverages like lock replacement and cell phone replacement coverage.

Grange

Grange’s car insurance policies are slightly more expensive than the average rate in Grand Rapids. However, the company offers impressive coverage options and great discounts, including the OnTrack safe driver discount program, for drivers who want a lower rate.

Some of Grange’s insurance endorsements include pet injury coverage, mobile device coverage, original manufacturer parts coverage, gap insurance, rental car reimbursement and full glass repair coverage. You can also add accident forgiveness to your policy if you have a clean driving record.

Cheapest car insurance in Grand Rapids

The average cost of car insurance in Grand Rapids is less expensive than the average rate in Michigan, which is $2,375 per year for full coverage insurance and $995 per year for minimum coverage insurance. For comparison, the United States national average rate is $1,738 for full coverage insurance and $563 for minimum coverage insurance.

Some car insurance companies charge lower rates than others. The table below looks at the cheapest car insurance in Grand Rapids from the most popular carriers based on market share:

Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Chubb $321 $1,623
USAA $442 $1,150
MetLife $448 $1,355
Progressive $511 $1,122
Geico $527 $1,154

When you are comparing car insurance providers, price is just one aspect. It is also important to look at coverages and discounts available. For instance, Geico and MetLife have low rates, but the coverage is also limited. If you are looking for a policy with more robust coverage options, Progressive or Chubb may be a better option. And for the best discounts, Geico, USAA and Progressive stand out.

If you are looking for a company with great customer service, USAA is a fantastic choice. However, you must be affiliated with the military in order to buy coverage from USAA. For civilians, Progressive or MetLife could be a good alternative. The same is true for claims handling. MetLife and USAA get high marks for claims satisfaction, whereas Progressive and Geico are rated below-average.

Grand Rapids insurance requirements

If you own a vehicle in Grand Rapids, you must carry a minimum amount of car insurance. Michigan drivers are required to carry limits of 50/100/10 in liability insurance. In most cases, Personal Injury Protection (PIP) and Property Protection Insurance (PPI) are also required, to satisfy the no-fault laws. Here is a full breakdown of the liability coverages required in Grand Rapids:

  • $50,000 in bodily injury liability coverage per person
  • $100,000 in bodily injury liability coverage per accident
  • $10,000 in property damage coverage in another state

If you purchase minimum coverage insurance, you will likely pay the lowest rate. But it is generally recommended that drivers purchase more coverage than what is required. The minimum liability limits may not cover your full financial responsibility in the event of an at-fault accident in Michigan and could leave you with out-of-pocket expenses. Additionally, if you have a leased or financed vehicle, you could be required to carry full coverage insurance.

Car insurance discounts in Grand Rapids

Car insurance in Grand Rapids can be expensive, but drivers can take advantage of car insurance discounts to get a cheaper rate. Here are some of the common discounts often available in the city:

  • Good student discount: If you are a high school or college student and maintain a minimum GPA, many car insurance companies will reward you with a lower premium.
  • Policy bundling discount: One of the most common discounts is the policy bundling discount, where you can get a lower rate by insuring your car and house with the same company.
  • Vehicle safety feature discount: If your car has safety features like an anti-theft device or anti-lock brakes, your insurance company may lower your rate.
  • Automatic payments discount: Drivers who sign up for monthly automatic payments can often save some money on their insurance policy.
  • Defensive driver discount: Many car insurance companies will reward you with a lower rate if you complete an approved defensive driving training course.

Frequently asked questions

What is the best car insurance company?

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.

How much car insurance do I need in Grand Rapids?

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 what is required. Additionally, liability-only coverage does not include any protection for your vehicle.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.