Car Insurance in Grand Rapids, Michigan

Car Insurance in Grand Rapids, Michigan

Progressive has the cheapest car insurance in Grand Rapids, Michigan with average rates at $777 per year for minimum coverage.

Find Cheap Auto Insurance Quotes in Grand Rapids, MI

Currently insured?

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

The best widely available rate for a basic, state-minimum policy comes from Progressive, which charges an average of $777 per year. That's 60% less than the average price 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 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.

Cheapest car insurance companies in Grand Rapids, Michigan.

Compare Car Insurance Rates in Grand Rapids, Michigan

Currently insured?
Company
Rating
Annual rate
Progressive logo
Progressive
$777
Frankenmuth logo
Frankenmuth
$789
Auto-Owners logo
Auto-Owners
$887
Hanover logo
Hanover
$1,983
State Farm logo
State Farm
$2,291
AAA logo
AAA
$2,554
Allstate logo
Allstate
$5,803
USAA logo
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 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
1Progressive$1,283
2Auto-Owners$2,207
3Frankenmuth$2,223
4State Farm$3,519
5AAA$4,546
6Hanover$5,911
7Allstate$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.
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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.

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.

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, insurance companies 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
1Progressive$1,614
2Frankenmuth$2,487
3Auto-Owners$2,539
4State Farm$4,587
5Hanover$8,250
6AAA$9,325
7Allstate$11,658
N/A*USAA$1,693

*USAA is only available to current and former military members and their families.

Cheapest car insurance in Grand Rapids after an accident: Progressive

Insurance companies 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, and $885 cheaper than the second-cheapest company, Auto-Owners.

Rank
Company
Annual rate
1Progressive$1,654
2Auto-Owners$2,539
3Frankenmuth$2,907
4State Farm$4,231
5AAA$9,325
6Hanover$9,524
7Allstate$15,389
N/A*USAA$1,859

*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 company 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
1Progressive$1,507
2Auto-Owners$5,099
3State Farm$9,216
4Frankenmuth$9,924
5Hanover$11,565
6AAA$15,064
7Allstate$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. 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 companies 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
1Auto-Owners$1,726
2Frankenmuth$2,250
3Progressive$2,517
4AAA$4,239
5Hanover$4,715
6State Farm$6,055
7Allstate$10,182
N/A*USAA$807

*USAA is only available to current and former military members and their families.

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.

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
Show All Rows

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
1Detroit663,5026,88610.4
2Lansing118,9533673.1
3Dearborn93,9022662.8
4Warren134,6533562.6
5Grand Rapids201,7995012.5
6Flint95,2122072.2
7Clinton Township101,3081561.5
8Livonia93,6441121.2
9Ann Arbor122,8931381.1
10Sterling Heights133,377960.7

Motor vehicle theft data was pulled from the FBI 2019 Michigan crime report.

Methodology

We collected data from eight of the largest insurance companies in Michigan. Our rates were pulled under the profile of a 30-year-old man who drove a 2015 Honda Civic EX. Unless otherwise stated, the driver received rates for a minimum coverage policy.

For our full coverage policy, we found rates for these limits:

Coverage
State minimum
Full coverage
Property protectionup to $1,000,000up 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 coverageIncluded/$500 deductible
Comprehensive coverageIncluded/$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.