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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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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: Feb 18, 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.

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 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.

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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.

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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