Car Insurance in Grand Rapids, Michigan
Car Insurance in Grand Rapids, Michigan
Find Cheap Auto Insurance Quotes in Grand Rapids, MI
In Grand Rapids, Michigan, drivers are likely to find the best prices at Progressive, with an average price of $777 per year for minimum coverage. That's 60% less than the city average of $1,947.
Progressive also gave us the best price for full coverage, with an average rate of $1,283 per year.
Every driver will get unique rates based on their driving history, where they live and what car they drive, so we always recommend collecting multiple quotes to find the best price for you.
Cheapest auto insurance in Grand Rapids: Progressive
We found the best widely available rate for a basic, state-minimum policy at Progressive, which charges an average of $777 per year. That's 60% less than the average price we found citywide of $1,947. Auto-Owners and Frankenmuth Insurance also gave us affordable quotes: Both charge less than $900 per year for minimum coverage.
The absolute lowest rate we found in Grand Rapids comes from USAA, which has an average price of just $495 per year. However, you're only eligible for USAA insurance if you've served in the military or if your parent or spouse has had a USAA insurance policy in the past. As a result, we've excluded it from our main ranking.
Find Cheap Auto Insurance Quotes in Your Area
Rank | Company | Annual rate |
|---|---|---|
| 1 | Progressive | $777 |
| 2 | Frankenmuth Insurance | $789 |
| 3 | Auto-Owners | $887 |
| 4 | Hanover | $1,983 |
| 5 | State Farm | $2,291 |
| 6 | AAA | $2,554 |
| 7 | Allstate | $5,803 |
| N/A* | USAA | $495 |
*USAA is only available to current and former military members and their families.
State minimum coverage includes only the coverage options you need to get on the road: liability protection and personal injury protection. It's the least expensive way to get your car insured, but we recommend considering buying more coverage, especially if you drive often or have a car worth more than $3,000.
Cheapest full coverage car insurance in Grand Rapids: Progressive
For drivers who want to add collision and comprehensive coverage to their auto insurance policy, we recommend Progressive. Its average rate of $1,283 is the cheapest we found available to most drivers. The second-cheapest option, Auto-Owners, is $924 more expensive.
The average cost of full coverage in Grand Rapids is $3,966 per year. That's about double the cost of a minimum coverage policy but includes comprehensive and collision coverages.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Progressive | $1,283 |
| 2 | Auto-Owners | $2,207 |
| 3 | Frankenmuth | $2,223 |
| 4 | State Farm | $3,519 |
| 5 | AAA | $4,546 |
| 6 | Hanover | $5,911 |
| 7 | Allstate | $10,687 |
| N/A* | USAA | $1,356 |
*USAA is only available to current and former military members and their families.
- Comprehensive coverage: Pays for damage to your car from anything not related to a crash, such as vandalism, theft or animals. Does not include normal wear and tear.
- Collision coverage: Pays for damage to your car that you sustain in a crash, regardless of who was at fault.
Cheap car insurance for drivers with prior incidents
Car insurance companies use your driving history to predict how likely you are to make a claim in the future. If you have a driving incident on your record, like a speeding ticket or an at-fault crash, you will likely pay more for car insurance.
We found the cheapest insurer in Grand Rapids for drivers who have:
Cheapest car insurance in Grand Rapids after an accident: Progressive
Insurers have found that drivers who were responsible for a recent crash are more likely to make another claim in the future. As a result, drivers typically see a rate hike after they cause a crash.
Progressive is the most affordable option for car insurance after an at-fault crash in Grand Rapids, with an average rate of just $1,654 for full coverage. That's 72% cheaper than the average rate we found overall, and $885 cheaper than the second-cheapest company, Auto-Owners.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Progressive | $1,654 |
| 2 | Auto-Owners | $2,539 |
| 3 | Frankenmuth | $2,907 |
| 4 | State Farm | $4,231 |
| 5 | AAA | $9,325 |
| 6 | Hanover | $9,524 |
| 7 | Allstate | $15,389 |
| N/A* | USAA | $1,859 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for people with a speeding ticket: Progressive
Progressive has the best prices for insurance after a speeding ticket in Grand Rapids, with an average rate of just $1,614 for a year of full coverage. That's an increase of only $28 per month from Progressive's rate for a driver with a clean record, and 69% less than the average rate we found across all insurers.
Drivers who've received speeding tickets are more likely to take risks behind the wheel and make an insurance claim in the future. As a result, insurers usually charge more after you've been caught driving over the speed limit. The average price for insurance after a speeding ticket in Grand Rapids is $6,556.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Progressive | $1,614 |
| 2 | Frankenmuth | $2,487 |
| 3 | Auto-Owners | $2,539 |
| 4 | State Farm | $4,587 |
| 5 | Hanover | $8,250 |
| 6 | AAA | $9,325 |
| 7 | Allstate | $11,658 |
| N/A* | USAA | $1,693 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with a DUI: Progressive
Driving while under the influence of drugs or alcohol is among the most serious driving infractions, so you are likely to see a severe increase in your insurance rates after a DUI. We found an average price of $13,111 per year for full coverage after a DUI conviction in Grand Rapids.
However, not every insurer charges the same rates. Progressive offered us a quote for $1,507 per year, which is 89% less than the city average.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Progressive | $1,507 |
| 2 | Auto-Owners | $5,099 |
| 3 | State Farm | $9,216 |
| 4 | Frankenmuth | $9,924 |
| 5 | Hanover | $11,565 |
| 6 | AAA | $15,064 |
| 7 | Allstate | $50,175 |
| N/A* | USAA | $2,340 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers: Auto-Owners
Younger drivers almost always pay much more for car insurance because they have less practice behind the wheel and may not have the good judgment of an older driver. We found the average price of car insurance for an 18-year-old in Grand Rapids is $4,061 for a year of state-minimum coverage.
Some insurers are cheaper than others, though. Auto-Owners has the best price overall, at just $1,726 per year. That's $524 less expensive than Frankenmuth Insurance, which is the second-best option at $2,250 per year.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Auto-Owners | $1,726 |
| 2 | Frankenmuth | $2,250 |
| 3 | Progressive | $2,517 |
| 4 | AAA | $4,239 |
| 5 | Hanover | $4,715 |
| 6 | State Farm | $6,055 |
| 7 | Allstate | $10,182 |
| N/A* | USAA | $807 |
*USAA is only available to current and former military members and their families.
Best auto insurance companies in Grand Rapids, Michigan
Finding a car insurer you can depend on is just as important as finding one that offers a great deal. We found that the car insurers in Michigan with the best service are Auto-Owners, USAA and State Farm. These companies performed among the best in our national survey of car insurance customers, especially when it came to claims service.
Average car insurance cost in Grand Rapids, by neighborhood
The cost of car insurance varies by location, even within a specific city. If your neighborhood has high rates of car theft, or poorly maintained roads that frequently lead to accidents, you may pay more for car insurance than you would otherwise.
Here's how different ZIP codes in Grand Rapids compare for car insurance.
ZIP code | Full coverage | Minimum coverage |
|---|---|---|
| 49503 | $4,118 | $2,039 |
| 49504 | $4,003 | $1,968 |
| 49505 | $4,016 | $1,934 |
| 49506 | $3,932 | $1,946 |
| 49507 | $4,309 | $2,109 |
| 49508 | $4,103 | $2,110 |
| 49525 | $3,855 | $1,854 |
| 49534 | $3,800 | $1,807 |
| 49544 | $3,752 | $1,743 |
| 49546 | $3,902 | $1,860 |
| 49548 | $3,905 | $2,001 |
Auto theft statistics in Grand Rapids
Car theft is slightly more common in Grand Rapids than in Michigan as a whole. There are 2.5 car thefts per 1,000 people per year — the state average is 2.3.
That means that car theft is more common in Grand Rapids than in Flint or Ann Arbor but much less common than in Lansing or Detroit.
The frequency of car theft in your area may influence car insurance rates, especially for comprehensive coverage, which covers your costs if your car is stolen.
Theft rank | City | Population | Motor vehicle theft | Motor vehicle theft per 1,000 people |
|---|---|---|---|---|
| 1 | Detroit | 663,502 | 6,886 | 10.4 |
| 2 | Lansing | 118,953 | 367 | 3.1 |
| 3 | Dearborn | 93,902 | 266 | 2.8 |
| 4 | Warren | 134,653 | 356 | 2.6 |
| 5 | Grand Rapids | 201,799 | 501 | 2.5 |
| 6 | Flint | 95,212 | 207 | 2.2 |
| 7 | Clinton Township | 101,308 | 156 | 1.5 |
| 8 | Livonia | 93,644 | 112 | 1.2 |
| 9 | Ann Arbor | 122,893 | 138 | 1.1 |
| 10 | Sterling Heights | 133,377 | 96 | 0.7 |
Motor vehicle theft data was pulled from the FBI 2019 Michigan crime report.
Methodology
We collected data from eight of the largest insurers in Michigan. Our sample driver was a 30-year-old man who drove a 2015 Honda Civic EX. Unless otherwise stated, the driver received rates for a minimum coverage policy.
In instances where our sample driver was comparing rates for a full coverage policy, the following limitations were used:
Coverage | State minimum | Full coverage |
|---|---|---|
| Property protection | up to $1,000,000 | up to $1,000,000 |
| Residual bodily injury and property damage liability (BI/PD) | $50,000 per injury, $100,000 per accident | $50,000 per injury, $100,000 per accident |
| Personal injury protection (PIP) | $250,000 for people with qualified health coverage | $250,000 for people with qualified health coverage |
| Collision coverage | — | Included/$500 deductible |
| Comprehensive coverage | — | Included/$500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Source:
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.