Compare Grand Rapids, MI Car Insurance Rates (2021)

Car insurance in Grand Rapids, MI averages $755 a month. Grand Rapids, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Grand Rapids car insurance rates, compare quotes from the top car insurance companies in Grand Rapids, MI.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest ZIP code in Grand Rapids is 49548
  • Average car insurance rates in Grand Rapids, MI are $9,054/year
  • The cheapest car insurance company in Grand Rapids is USAA

If you need to buy Grand Rapids, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Grand Rapids, MI is right here.

You’ll find Grand Rapids car insurance rates, the cheapest Grand Rapids, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Grand Rapids, Michigan car insurance rates to Warren car insurance rates, Detroit car insurance rates, and Troy car insurance rates.

Ready to find affordable Grand Rapids, MI car insurance today? Enter your ZIP code for fast, free Grand Rapids car insurance quotes.

Cheapest Grand Rapids, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Grand Rapids, MI car insurance rates? Every Grand Rapids, Michigan car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Grand Rapids, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $15,802 $15,802 $14,559 $14,559 $41,457 $41,457 $16,689 $16,689
Farmers $3,607 $3,607 $3,363 $3,363 $8,246 $8,246 $4,055 $4,055
GEICO $3,472 $3,472 $3,570 $3,570 $10,271 $10,271 $3,330 $3,330
Liberty Mutual $14,199 $14,199 $14,059 $14,059 $33,247 $33,247 $14,199 $14,199
Nationwide $2,910 $2,910 $2,607 $2,607 $7,430 $7,430 $3,175 $3,175
Progressive $2,666 $2,500 $2,369 $2,602 $10,232 $11,074 $3,110 $2,946
State Farm $6,706 $6,706 $6,215 $6,215 $23,729 $23,729 $7,894 $7,894
Travelers $4,884 $4,884 $4,202 $4,202 $14,658 $14,658 $5,301 $5,301
USAA $2,451 $2,310 $2,309 $2,171 $6,003 $5,680 $2,973 $2,835

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Minimum Car Insurance in Grand Rapids, MI

Every driver must carry the minimum car insurance in Grand Rapids, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage in Grand Rapids, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Grand Rapids, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Grand Rapids, MI. Compare credit history car insurance rates in Grand Rapids from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Grand Rapids, Michigan

Insurance Company Poor Fair Good
Allstate $33,311 $18,570 $14,499
Farmers $6,298 $4,235 $3,920
GEICO $6,630 $4,879 $3,974
Liberty Mutual $29,936 $17,292 $9,549
Nationwide $4,992 $3,819 $3,280
Progressive $5,357 $4,559 $4,147
State Farm $18,058 $9,140 $6,210
Travelers $7,440 $7,217 $7,127
USAA $4,985 $2,860 $2,180

Cheapest Grand Rapids, MI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Grand Rapids, MI to rates for a clean record with top companies.

Annual Grand Rapids, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,707 $14,233 $48,492 $15,075
Farmers $4,052 $5,161 $5,091 $4,967
GEICO $1,781 $3,844 $11,679 $3,339
Liberty Mutual $13,071 $15,921 $29,849 $16,862
Nationwide $3,480 $4,573 $4,177 $3,892
Progressive $4,007 $5,214 $4,673 $4,857
State Farm $7,017 $8,450 $18,478 $10,599
Travelers $4,898 $7,010 $11,348 $5,790
USAA $2,691 $3,360 $4,384 $2,931

Cheapest Grand Rapids, MI Car Insurance for Teen Drivers

Teen car insurance in Grand Rapids, MI can be expensive. Take a look at rates from the top car insurance companies in Grand Rapids for teenagers.

Annual Car Insurance Rates for Teen Drivers in Grand Rapids, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,457 $41,457
Farmers $8,246 $8,246
GEICO $10,271 $10,271
Liberty Mutual $33,247 $33,247
Nationwide $7,430 $7,430
Progressive $10,232 $11,074
State Farm $23,729 $23,729
Travelers $14,658 $14,658
USAA $6,003 $5,680

Cheapest Grand Rapids, MI Car Insurance for Seniors

Take a look at Grand Rapids, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Grand Rapids, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $14,559 $14,559
Farmers $3,363 $3,363
GEICO $3,570 $3,570
Liberty Mutual $14,059 $14,059
Nationwide $2,607 $2,607
Progressive $2,369 $2,602
State Farm $6,215 $6,215
Travelers $4,202 $4,202
USAA $2,309 $2,171

Cheapest Grand Rapids, MI Car Insurance Rates After a DUI

A DUI in Grand Rapids, MI increases car insurance rates. Compare Grand Rapids, Michigan DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Grand Rapids, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $48,492
Farmers $5,091
GEICO $11,679
Liberty Mutual $29,849
Nationwide $4,177
Progressive $4,673
State Farm $18,478
Travelers $11,348
USAA $4,384

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Cheapest Grand Rapids, MI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Grand Rapids, MI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Grand Rapids, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $22,127 $22,127
Farmers $4,818 $4,818
GEICO $5,047 $5,275
Liberty Mutual $18,279 $19,573
Nationwide $4,031 $4,031
Progressive $4,688 $4,688
State Farm $10,849 $11,424
Travelers $7,220 $7,303
USAA $3,304 $3,379

Cheapest Grand Rapids, MI Car Insurance Rates by ZIP Code

Grand Rapids car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Grand Rapids, MI.

Annual Car Insurance Rates by ZIP Code in Grand Rapids, Michigan

ZIP Code Average Annual Rates
49503 $6,542
49504 $6,496
49505 $6,254
49506 $6,276
49507 $6,688
49508 $6,409
49525 $6,378
49548 $6,172

The Best Cheap Car Insurance Companies in Grand Rapids, MI

Take a look at a side-by-side comparison of the top car insurance companies in Grand Rapids, MI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Grand Rapids, Michigan

Insurance Company Average Annual Rates
Allstate $22,127
Farmers $4,818
GEICO $5,161
Liberty Mutual $18,926
Nationwide $4,031
Progressive $4,688
State Farm $11,136
Travelers $7,262
USAA $3,342

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Category Winners: Cheapest Car Insurance in Grand Rapids, Michigan

Find the cheapest car insurance companies in Grand Rapids, MI for each category right here.

Best Annual Car Insurance Rates by Company in Grand Rapids, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Nationwide
With 1 Speeding Violation USAA

Cheapest Grand Rapids, MI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Grand Rapids car insurance rates. Find the cheapest Grand Rapids, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Grand Rapids, Michigan

Insurance Company Low Medium High
Allstate $21,592 $22,175 $22,615
Farmers $4,685 $4,806 $4,963
GEICO $4,839 $5,118 $5,525
Liberty Mutual $18,497 $18,884 $19,397
Nationwide $4,187 $3,970 $3,935
Progressive $4,562 $4,693 $4,807
State Farm $10,637 $11,198 $11,574
Travelers $7,188 $7,267 $7,329
USAA $3,246 $3,349 $3,429

What affects car insurance rates in Grand Rapids, Michigan?

What factors can have an impact on Grand Rapids, MI car insurance? There are several reasons why Grand Rapids car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Grand Rapids, Michigan.

Car Theft in Grand Rapids

High levels of vehicle theft can make car insurance more expensive. Grand Rapids, MI car theft statistics from the FBI indicate 270 vehicle thefts a year.

Commute Time in Grand Rapids

The more time you spend in your car the higher the risk of an accident. The average commute length in Grand Rapids, MI is 19.1 minutes according to City-Data.

Traffic in Grand Rapids

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Grand Rapids, MI traffic data from INRIX ranks Grand Rapids as the 248th-most congested in the world.

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Compare Car Insurance Quotes in Grand Rapids, MI

Ready to find affordable Grand Rapids, Michigan car insurance today? Enter your ZIP code for fast, free Grand Rapids, MI car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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