In Grand Rapids, Michigan, the average annual full coverage car insurance policy costs $2,021, and the average annual minimum coverage policy costs $816. According to data pulled from Quadrant Information Services, the cheapest car insurance company on average for state minimum coverage in Grand Rapids is Chubb, while Progressive has the cheapest average full coverage rates.
Car insurance pricing varies by company, coverage needs, discount eligibility and household driving history, among other criteria. Whether you are looking for the cheapest or best car insurance company and price in Grand Rapids, comparing several quotes can help you find what you need.
- The best car insurance company in Grand Rapids on our list is USAA, with average annual rates of $442 for minimum coverage and $1,150 for full coverage — but it is only available to the military and qualifying family members.
- The cheapest car insurance in Grand Rapids on our list is Chubb at $321 for an average annual minimum coverage rate, and Progressive at $1,122 for an average annual full coverage premium.
- In Grand Rapids, the average annual cost of car insurance is $816 for minimum coverage and $2,021 for full coverage.
Best car insurance companies in Grand Rapids
Bankrate’s research found that the best car insurance companies in Grand Rapids, Michigan, are USAA, Geico, Auto-Owners and Grange. Bankrate’s insurance editorial team analyzed premium quotes received from Quadrant Information Services to find the best insurance providers based on high customer satisfaction ratings, financial strength scores, coverage options, discounts and affordable rates.
|Insurance Company||J.D. Power 2021 annual auto insurance study score – North Central Region||Average Annual Premium for Minimum Coverage||Average Annual Premium for Full Coverage|
|USAA||895 / 1,000||$442||$1,150|
|Geico||837 / 1,000||$527||$1,154|
|Auto-Owners||842 / 1,000||$709||$1,794|
|Grange||826 / 1,000||$1,436||$2,199|
Quadrant Information Services, 2021
Although it does not meet the ranking criteria, USAA received a high score in the 2021 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 $725 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.
Learn more: USAA Insurance Review
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.
Learn more: Geico Insurance Review
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.
Learn more: Auto-Owners Insurance Review
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.
Learn more: Grange Insurance Review
Cheapest car insurance in Grand Rapids
The average cost of car insurance in Grand Rapids is less expensive than the average rate in Michigan, $2,309 per year for full coverage insurance and $948 per year for minimum coverage insurance. For comparison, the United States’ national average rate is $1,674 for full coverage insurance and $565 for minimum coverage insurance.
Some car insurance companies charge lower rates than others, but rates are based on many factors and vary greatly between drivers. 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|
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 must carry car insurance coverage limits of 50/100/10 in liability insurance. 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
Michigan drivers are also required to carry property protection insurance (PPI), which pays up to $1 million for damage you cause to someone else’s property. Since Michigan is a no-fault state, personal injury protection (PIP) coverage is also required, but the amount is based on the type of health insurance coverage you have. If you do not choose a PIP option, the default selection is unlimited coverage. While you may have the option to opt out of PIP, the strict requirements mean that many drivers choose not to opt out.
If you purchase minimum coverage insurance, you will likely pay the lowest rate. But it is generally recommended by most insurance experts that drivers purchase more coverage than required minimums. 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.
What is the most affordable car insurance in Michigan?
Bankrate’s data for Michigan shows that USAA offers the most affordable average rates for full coverage car insurance. Since USAA only provides coverage to past and present military members, their spouses and children, Progressive has the next best average rates for full coverage auto insurance in Michigan. 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.
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.