Compare Grand Rapids, MI Car Insurance Rates (2021)

The average cost of Grand Rapids, MI car insurance is 2.3 times more expensive than the national average. However, some auto insurance companies in Grand Rapids, Michigan, have cheaper rates, but it varies for each person. The best way to save money on car insurance in Grand Rapids, MI, is to maintain a clean driving record and limit how much you drive.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Jul 14, 2021

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Here's what you need to know...

  • Grand Rapids, MI car insurance is $5,122 more per year than the national average
  • USAA is the cheapest company in Grand Rapids, Michigan
  • Regardless of the car insurance factors, Michigan is considered one of the most expensive states for car insurance
  • Your daily commute and your city’s vehicle theft statistics can affect your auto insurance rates

On average, Grand Rapids, MI car insurance costs $9,054 per year or $755 per month, which is $5,122 more than the national average and $1,445 more than the Michigan average.

But why is Grand Rapids, Michigan car insurance so expensive?

Car insurance rates are determined by a few factors, such as age, gender, driving history, and credit score. Don’t worry – we’ll explain everything you need to know about finding cheap car insurance in Grand Rapids, MI.
Ready to find affordable Grand Rapids, MI car insurance? Enter your ZIP code above to get started.

Monthly Grand Rapids, MI Car Insurance Rates by ZIP Code

Find more info about the monthly Grand Rapids, MI auto insurance rates by ZIP Code below:

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Grand Rapids, MI Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Grand Rapids, MI against other top US metro areas’ auto insurance rates.

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What is the cheapest car insurance company in Grand Rapids, MI?

The cheapest car insurance company in Grand Rapids, MI, is USAA. The following most affordable car insurance companies are Nationwide and Progressive.

The cheapest Grand Rapids, MI car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Michigan car insurance company rates?” We cover that as well.

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Here are the best auto insurance companies in Grand Rapids, Michigan, ranked from cheapest to most expensive:

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

Most of the top companies in Grand Rapids are cheaper than average, except for State Farm, Liberty Mutual, and Allstate. However, your car insurance costs will depend on personal factors.

The most significant factor is your driving history. Some car insurance companies provide at least 15 percent off if you have a clean driving record. You can even save money on monthly rates if your credit score is good.

Another critical factor that determines auto insurance is location. Car insurance providers can base your rates on the neighborhood ZIP code.

So what’s the cheapest neighborhood in Grand Rapids? The most affordable ZIP code in Grand Rapids, Michigan, is 49548, and its average car insurance cost is $6,172 per year or $514 per month.

However, single male drivers under 25 could see Grand Rapids, MI car insurance rates that are twice as expensive. Meanwhile, married drivers over 24 years old, regardless of gender, pay significantly less.

Grand Rapids, Michigan car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Grand Rapids, MI car insurance rates. Find the cheapest Grand Rapids, Michigan car insurance rates by coverage level below:

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Your credit score will play a major role in your Grand Rapids, MI car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Grand Rapids, Michigan car insurance rates by credit score below.

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Your driving record will affect your Grand Rapids car insurance rates. For example, a Grand Rapids, MichiganDUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Grand Rapids, Michigan car insurance rates by driving record.

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Factors affecting car insurance rates in Grand Rapids, MI may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Grand Rapids, Michigan car insurance.

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These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Grand Rapids. MI does not use gender, so check out the average monthly car insurance rates by age in Grand Rapids, MI.

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What are the minimum car insurance coverage requirements in Grand Rapids, MI?

If you want to drive legally in Grand Rapids, you’ll need to carry the minimum car insurance requirements, which are:

  • $50,000 per person and $100,000 per incident for bodily injury liability
  • $10,000 per incident for property damage
  • $50,000 for personal injury protection (PIP) for Medicaid recipients and $250,000 for PIP for all other drivers
  • $1 Million in personal property protection (PPI)

Michigan’s high coverage limit ensures a more efficient coverage limit than most states. It may be one of the reasons why auto insurance is so expensive in the state.

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What affects car insurance rates in Grand Rapids, MI?

Did you know you can save money on car insurance if you drive less? Even vehicle theft stats can affect your car insurance per year.

Auto insurance companies calculate your policy by the miles you’re estimated to travel. Meanwhile, car thefts determine your chances of filing a comprehensive insurance claim.

According to the FBI statistics, Grand Rapids is ranked second on most vehicle thefts in Michigan in 2019 (501 vehicle thefts).

What about your daily commute? According to Numbeo, the average Grand Rapids commute to work is 27 minutes.

Grand Rapids, MI Car Insurance: The Bottom Line

Grand Rapids, Michigan car insurance is expensive because of the higher than aver coverage limits. If you’re a young male driver, ask a parent or legal guardian to help you get insured.

Take advantage of a clean driving record and an excellent credit score to secure cheap car insurance. Check your car’s safety and anti-theft features, too. Your car insurance provider may give you a discount.

Before you buy car insurance in Grand Rapids, MI, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get 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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Monthly Grand Rapids, MI Car Insurance Rates by ZIP Code
Grand Rapids, MI Car Insurance Rates vs. Top US Metro Car Insurance Rates
Grand Rapids, MI Car Insurance Rates by Company vs. City Average
Grand Rapids, MI Car Insurance Rates by Company and Age
The Cheapest Grand Rapids, MI Car Insurance Rates by Coverage Level
The Cheapest Grand Rapids, MI Car Insurance Rates by Credit Score
The Cheapest Grand Rapids, MI Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Grand Rapids, MI
Average Monthly Car Insurance Rates by Age & Gender in Grand Rapids, MI
Monthly Grand Rapids, MI Car Insurance Rates by ZIP Code
Grand Rapids, MI Car Insurance Rates vs. Top US Metro Car Insurance Rates
Grand Rapids, MI Car Insurance Rates by Company vs. City Average
Grand Rapids, MI Car Insurance Rates by Company and Age
The Cheapest Grand Rapids, MI Car Insurance Rates by Coverage Level
The Cheapest Grand Rapids, MI Car Insurance Rates by Credit Score
The Cheapest Grand Rapids, MI Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Grand Rapids, MI
Average Monthly Car Insurance Rates by Age & Gender in Grand Rapids, MI