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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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Auto-Owners offers the cheapest car insurance rates in Grand Rapids, though your personal rate will likely differ based on factors like your driving history, age, and credit history.
Grand Rapids drivers pay an average of $203 per month for car insurance, according to Compare.com data. The city’s rates are higher than the national average, in part due to Michigan’s unique no-fault insurance system.[1] Grand Rapids’ higher-than-average accident rates likely also contribute to this.[2]
The good news is that many companies offer rates well below the citywide average. Auto-Owners, USAA, and Chubb have the most competitive rates in the area.
Let’s explore the most affordable insurance companies in Grand Rapids for different driver types, how to choose the right company for your needs, and practical tips to save on your car insurance.
Auto-Owners offers the lowest average monthly rate in Grand Rapids, at $54.
Grand Rapids drivers pay an average monthly rate of $146 for liability coverage and $259 for full coverage.
Michigan requires drivers to have bodily injury liability, property damage liability, personal injury protection, and property protection insurance.
You can find plenty of affordable options in Grand Rapids, regardless of the average citywide rate. First, you’ll want to shop around for the best rates.
Let’s start with the table below. It shows the cheapest car insurance companies in Grand Rapids, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Auto-Owners | $54 |
| USAA | $55 |
| Chubb | $60 |
| GEICO | $83 |
| Safeco | $93 |
| Nationwide | $111 |
| State Farm | $113 |
| Progressive | $116 |
| Travelers | $130 |
| Direct Auto | $131 |
| Bristol West | $158 |
Auto-Owners is the cheapest company in Grand Rapids, with an average monthly rate of $54. Next, we’ll cover the most affordable insurers based on different driver profiles and coverage needs.
Your personal rates can vary significantly based on factors like your age, driving record, address, and more, even though the companies above provide a solid starting point. It’s crucial to compare rates from insurers who specialize in drivers with similar profiles.
The table below shows the cheapest companies for various backgrounds and coverage types, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $54 |
| Full coverage | Auto-Owners | $96 |
| Teens | Auto-Owners | $83 |
| Seniors | Auto-Owners | $44 |
| Drivers with a speeding ticket | Auto-Owners | $65 |
| Drivers with an at-fault accident | Auto-Owners | $66 |
| Drivers with a DUI | Auto-Owners | $80 |
| Drivers with excellent credit | Auto-Owners | $47 |
| Drivers with poor credit | USAA | $66 |
In the sections below, we’ll go into more detail for each driver profile and coverage type.
Policies in Grand Rapids start as low as $54 per month.
The average rate for state-minimum coverage in Grand Rapids is $146, according to Compare.com data. Even though it meets the state’s minimum-coverage requirements, most insurance experts recommend purchasing more than the state-required minimum coverage. You should consider buying enough liability insurance to protect your assets.[3]
If you only need basic coverage, check out the five cheapest companies in Grand Rapids in the chart below, according to our data.
Most drivers should consider full-coverage insurance for better protection. It protects both the driver and vehicle from various risks. Full coverage typically includes comprehensive and collision coverage in addition to the state’s minimum requirements.
Comprehensive coverage pays for damage from non-collision incidents like theft, vandalism, or weather events, while collision coverage pays for damage to your car after an accident. If you finance or lease your vehicle, your lender or leasing company will require you to purchase a full-coverage policy.[4]
The average rate for full coverage in Grand Rapids is $259, but several insurers offer it for close to the average liability price in Grand Rapids.
The chart below shows the five cheapest insurers in Grand Rapids for full coverage, according to Compare.com data.
Teenagers pay some of the most expensive insurance rates of any age group. Nationwide, the average teen pays nearly double what drivers age 20 or older pay, according to our data. Teens’ crash rates are nearly four times higher than drivers 20 and older due to inexperience and risk-taking behaviors.[5]
The average rate for teens in Grand Rapids is $288, but young drivers can still find a good deal with various insurers.
Here are the cheapest insurers in Grand Rapids for teens, according to Compare.com data.
Seniors typically enjoy the cheapest rates of any age group. That’s because older drivers generally have more experience, take fewer risks, and drive less frequently than younger drivers.[6]
The average rate for seniors in Grand Rapids is $179, according to Compare.com data. But even with already low average rates, you can likely find a better deal from several companies.
The chart below shows the five cheapest companies in Grand Rapids for seniors, according to Compare.com data.
If you get a speeding ticket, expect your rates to increase the next time your policy renews. Traffic violations indicate a higher risk to insurance companies, which typically results in premium increases. In fact, just one single speeding ticket causes average rates to increase by 28% nationwide.
Grand Rapids drivers pay an average of $233 per month after a ticket, according to Compare.com data.
Several insurers offer lower rates to drivers with tickets. The chart highlights five insurers for Grand Rapids drivers with recent tickets, according to Compare.com data.
Causing a car accident can increase your rates substantially, since it signals to insurers that you’re more likely to need to file a claim in the future. An at-fault accident can lead to higher premiums for three to five years.[7]
Our research shows that a single at-fault accident causes average rates to increase by 33% nationwide. The average rate for drivers with a recent accident in Grand Rapids is $236 per month, according to Compare.com data. But you can often find a better deal with one of the five insurers highlighted in the chart below.
Driving under the influence (DUI) has an even greater effect on your auto insurance than a ticket or a car accident. It’s one of the most serious violations with the sharpest increase in car insurance rates. In fact, rates increase by an average of 59% nationwide after a DUI conviction, according to our data.
Even worse, getting a DUI can make it difficult to find coverage, as some insurers may refuse to cover drivers with DUI convictions due to the significantly increased risk they represent.[8]
The average rate for people with a DUI conviction in Grand Rapids is $277, according to Compare.com data. Fortunately, some insurers specialize in high-risk drivers, such as drivers with DUIs.
The chart below shows the five cheapest insurers in Grand Rapids if you have a DUI, according to Compare.com data.
Your credit history can affect what you pay for car insurance. In many states, insurers may consider your credit history when calculating your premium. Insurance companies use a credit-based insurance score to determine your likelihood of defaulting on your bill or filing claims in the future.[9]
People with good credit tend to get the best rates, but drivers with poor credit pay 40% more than people with excellent credit scores, according to our data. Drivers with poor credit in Grand Rapids pay an average monthly rate of $254.
Thankfully, not all insurers use credit. Some actually offer affordable rates, regardless of your credit history. If you have bad credit, here are the five cheapest insurers in Grand Rapids, according to our data.
Compare personalized quotes from Grand Rapids’ top insurers.
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Like most U.S. states, Michigan requires all drivers to have car insurance. The state’s minimum requirements are:
$50,000 for bodily injury liability per person
$100,000 for bodily injury liability per accident
$10,000 for property damage liability per accident
$0 to unlimited coverage for personal injury protection
$1 million for property protection insurance
Although Michigan doesn’t require uninsured/underinsured motorist coverage, adding the coverage may be a good idea since the state has a high uninsured motorist rate. Limited property damage coverage can offer some protection if someone sues you.
Most experts recommend buying coverage above the state’s minimum limits. Michigan’s minimum requirements might not fully protect you in a serious accident.
For example, if you cause an accident that results in $30,000 in property damage, having just $10,000 in property damage liability would leave you personally responsible for the remaining $20,000.
The Michigan Department of Insurance and Financial Services doesn’t require comprehensive insurance or collision coverage, but your lender might require it if you finance or lease your car.
Here are answers to some common questions about car insurance in Grand Rapids.
Car insurance costs an average of $203 per month in Grand Rapids. The average cost of liability-only coverage is $146 per month, and full coverage averages $259, according to Compare.com data.
Yes. Car insurance is expensive in Grand Rapids. Drivers in Grand Rapids pay an average of $203 per month for car insurance, compared to the national average of $150. But keep in mind that multiple factors determine how much you’ll pay for car insurance, including your address, driving history, age, and more.
Our data shows that Auto-Owners offers the cheapest coverage, at an average rate of $54 per month. But it may not be the cheapest company for you, so shop around for the best rate.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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