Car Insurance in Grand Rapids, Michigan
Grand Rapids is Michigan's second largest city and the biggest in the western portion of the state. Though cheaper than most cities around Detroit, car insurance in Grand Rapids is expensive compared to nationwide averages. Luckily, there are ways to find a great deal. We took a look at numerous quotes from several companies, to see who had the most affordable car insurance in Grand Rapids.
Cheapest Auto Insurance in Grand Rapids, MI
Using a sample 30-year-old-male driver we got quotes from 22 companies to see who had the best rates in Grand Rapids. Overall, MetLife was the cheapest, costing a bit less than twice the city average. The graph below shows the five best car insurers and how they relate to the city's average price.
The companies listed above may not be the ones you typically expect to see. The more well known auto insurers like State Farm and Allstate were actually some of the more expensive options in Grand Rapids. You can see the top ten insurers for our sample 30-year-old driver in Grand Rapids below.
| Company | Yearly Rate |
|---|---|
| MetLife | $996 |
| Hastings Mutual | $1,284 |
| Pioneer State Mutual | $1,452 |
| Chubb | $1,536 |
| MEEMIC | $1,728 |
| Auto Owners | $1,752 |
| Frankenmuth | $2,016 |
| SECURA | $2,112 |
| Nationwide | $2,244 |
| Millers | $2,244 |
Car Insurance Agents and Agencies in Grand Rapids
Below you can see a few auto insurance agents and agencies in the Grand Rapids area. Some companies require you purchase a plan through an agent, while other companies can be purchased exclusively online.
| Agency/Insurer | Address | |
|---|---|---|
| Compass Insurance Agency | 525 Ottawa Ave NW, Grand Rapids, MI 49503, United States | |
| Stedman Insurance Agency Inc. | 508 28th St SW, Grand Rapids, MI 49509, United States | |
| Allstate Insurance: The Lange Agency, LLC | 2055 28th St SE Ste 16, Grand Rapids, MI 49508, United States | |
| Maria Erazo Farmers Insurance | 2435 Eastern Ave SE, Grand Rapids, MI 49507, United States | |
| Lifetime Insurance Services | 250 Monroe Ave NW #400, Grand Rapids, MI 49503, United States | |
| L A Insurance | 805 28th St SE #1, Grand Rapids, MI 49508, United States | |
| State Farm Insurance: Bill Cole | 2143 Wealthy St SE, East Grand Rapids, MI 49506, United States | |
| State Farm: Mike Garner | 2517 Burton St SE, Grand Rapids, MI 49546, United States | |
| State Farm: Danielle Rowland | 77 Monroe Center St NW, Grand Rapids, MI 49503, United States | |
| Steenland Insurance Agency | 975 3 Mile Rd NW # 1, Grand Rapids, MI 49544, United States | |
Car Insurance Requirements
In Grand Rapids, as the rest of Michigan, you need to carry a minimum amount of car insurance. As a no-fault state, personal injury protection (PIP) is required. Michigan also mandates all drivers hold personal property insurance (PPI). Below you can see all the required limits for car insurance in Michigan.
| Type of Coverage | Limits |
|---|---|
| Bodily Injury Liability (BI) | $20,000 per person/ $40,000 per accident |
| Property Damage Liability (PD) | $10,000 per accident |
| Personal Injury Protection (PIP) | Unlimited |
| Property Protection Insurance (PPI) | Up to $1 million |
Personal Injury Protection
Personal Injury Protection ensures that if you are injured in a car accident, you will be able to pay your medical bills. You get payment even if you caused the accident. PIP is unique in Michigan because it is unlimited. What that means is your hospital bills can reach any value, and PIP will continue to pay for them. PIP will also cover any lost wages due to disability for up to three years. The obvious downside to mandatory unlimited PIP is that it makes rates more expensive. To reduce your premium however, you may coordinate your health insurance plan with your PIP. If you choose to do so, your health plan will cover all of your injuries while PIP will cover lost wages. Unfortunately, if you are on Medicaid or Medicare, you won't be able to coordinate.