Best Cheap Auto Insurance in Grand Rapids, MI (2021)

The cheapest Grand Rapids, MI auto insurance is from Nationwide, although many factors will affect your rates. Auto insurance in Grand Rapids, MI must meet the state minimum requirements with coverage levels of 20/40/10 for liability and bodily injury. Compare online auto insurance rates to find the best Grand Rapids, Michigan auto insurance for you.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • Michigan has the highest auto insurance in the country
  • The cheapest auto insurance company in Grand Rapids, MI that is available to everyone is Nationwide
  • Grand Rapids is the second-largest city in Michigan and more drivers equal higher auto insurance rates

Grand Rapids, MI auto insurance will be higher than average, mainly due to the fact that Michigan auto insurance is the most expensive in the country.

However, that doesn’t mean that you can’t find affordable Grand Rapids, MI auto insurance. Shop around to find cheap auto insurance near you.

Monthly Grand Rapids, MI Car Insurance Rates by ZIP Code

Find more info about the monthly Grand Rapids, MI car 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 essential to compare Grand Rapids, MI against other top US metro areas’ auto insurance rates.

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Enter your ZIP code now to compare Grand Rapids, MI auto insurance quotes.

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

Although the cheapest Grand Rapids, MI auto insurance company is actually USAA, its insurance is only available to the military, veterans, and family members.

Out of the companies that are available to everyone, Nationwide offers the lowest auto insurance in Grand Rapids, MI based on average rates.

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

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The top auto insurance companies in Grand Rapids are:

  • USAA – $3,341.51
  • Nationwide – $4,030.55
  • Progressive – $4,687.55
  • Farmers – $4,817.77
  • GEICO – $5,160.78
  • Travelers – $7,261.51
  • State Farm – $11,136.15
  • Liberty Mutual – $18,925.97
  • Allstate – $22,126.91

Allstate is by far the most expensive auto insurance company in Grand Rapids, MI. It is around seven times more expensive than USAA and five times higher than Nationwide.

Many different factors affect your auto insurance rates, including age, gender, marital status, where you live, your driving record, and your credit score.

Your rates will vary based on those factors. However, you can lower your auto insurance rates by shopping around, comparing quotes, and asking for any available discounts.

Grand Rapids, Michigan auto insurance rates by company and age is an essential comparison because the top auto 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 significant role in your Grand Rapids, MI auto insurance rates. Find the cheapest Grand Rapids, Michigan auto insurance rates by coverage level below:

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Your credit score will play a major role in your Grand Rapids, MI auto 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 auto insurance rates by credit score below.

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

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Factors affecting auto 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 auto insurance.

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

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What auto insurance coverage is required in Grand Rapids, MI?

Almost every state has a minimum amount of auto insurance that is required to drive legally.

In Michigan, you must carry at least:

  • $20,000 per person and $40,000 per incident for bodily injury liability
  • $10,000 per incident for property damage

Drivers who fail to carry the minimum auto insurance required can face fines, driver’s license suspension, and possible jail time.

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What affects auto insurance rates in Grand Rapids, MI?

Grand Rapids is the second-largest city in Michigan, which means lots of drivers on the roads. More drivers can equal a greater chance of being in an accident, which drives auto insurance rates up.

INRIX ranks Grand Rapids as the 72nd most congested city in the U.S. and estimates that drivers spent 21 hours sitting in traffic in 2019.

However, the average commute time is less than 25 minutes, according to City-Data. There is public transportation available but an overwhelming majority of people prefer to drive alone in Grand Rapids.

Auto theft is another factor that can raise insurance rates. According to the FBI, there were 363 vehicle thefts in Grand Rapids, MI.

Grand Rapids, MI Auto Insurance: The Bottom Line

Michigan has the highest auto insurance rates in the country, but Grand Rapids isn’t the most expensive city in the state. This means that while drivers in Grand Rapids, MI will be paying above average auto insurance, they won’t be paying the highest in the state.

Before you buy Grand Rapids, MI auto insurance, get quotes from multiple companies to find the best deal. Enter your ZIP code now to compare Grand Rapids, MI auto insurance rates.

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

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Monthly Grand Rapids, MI Auto Insurance Rates by ZIP Code
Grand Rapids, MI Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Grand Rapids, MI Auto Insurance Rates by Company vs. City Average
Grand Rapids, MI Auto Insurance Rates by Company and Age
The Cheapest Grand Rapids, MI Auto Insurance Rates by Coverage Level
The Cheapest Grand Rapids, MI Auto Insurance Rates by Credit Score
The Cheapest Grand Rapids, MI Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Grand Rapids, MI
Average Monthly Auto Insurance Rates by Age & Gender in Grand Rapids, MI
Monthly Grand Rapids, MI Auto Insurance Rates by ZIP Code
Grand Rapids, MI Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Grand Rapids, MI Auto Insurance Rates by Company vs. City Average
Grand Rapids, MI Auto Insurance Rates by Company and Age
The Cheapest Grand Rapids, MI Auto Insurance Rates by Coverage Level
The Cheapest Grand Rapids, MI Auto Insurance Rates by Credit Score
The Cheapest Grand Rapids, MI Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Grand Rapids, MI
Average Monthly Auto Insurance Rates by Age & Gender in Grand Rapids, MI