Cheapest Car Insurance Quotes in Grand Beach

Finding the cheapest car insurance quotes in Grand Beach shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Grand Beach Car Insurance

^$ 30

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Grand Beach

The car insurance rate in Grand Beach is $1023 for a six-month policy, which is $180 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $419, making it a popular choice for budget-conscious drivers. Rates in Grand Beach can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Grand Beach

$1023

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Grand Beach

1st place: Travelers

At $419 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $525 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $581 for six months, making it the third cheapest auto insurance company in Grand Beach.

Grand Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Grand Beach, MI is Travelers, offering policies at just $419 for a six-month term. This is followed by USAA, which has an average six-month premium of $525.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $692 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Grand Beach drivers find the best deals.

Cheap Car Insurance Companies in Grand Beach, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$419	$71
USAA	$525	$88
Encompass	$581	$97
Auto-Owners Insurance Co	$596	$101
Chubb	$626	$105
Auto-Owners	$702	$118
AAA	$717	$121
Farm Bureau Ins of MI	$737	$125
Pioneer State Mutual Ins Co	$802	$133
Progressive	$802	$135
Westfield	$1000	$168
Farm Bureau	$1126	$191
State Farm	$1434	$241
Allstate	$1530	$260
Bristol West	$1994	$332
Farmers	$3100	$527
Hastings Mutual	$692	$116

Key Takeaways

Way's key takeaways about car insurance in Grand Beach

The auto insurance costs in Grand Beach fall around $419 for six months.
The cheapest auto insurance company in Grand Beach is Travelers.
Teen drivers pay the highest rate in Grand Beach at $821 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Grand Beach

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Grand Beach are given below.

Travelers provides the cheapest minimum car insurance coverage in Grand Beach. Their Average 6 Month Premium is $177. Hastings Mutual is the most expensive at $303 for the same period.

Cheapest Liability Coverage in Grand Beach, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$177	$30
Westfield	$187	$31
USAA	$237	$40
Encompass	$242	$41
Chubb	$258	$43
Auto-Owners Insurance Co	$278	$48
Auto-Owners	$328	$55
Farm Bureau Ins of MI	$359	$61
Progressive	$369	$62
AAA	$439	$75
Farm Bureau	$555	$93
Allstate	$651	$111
Bristol West	$833	$139
State Farm	$893	$150
Farmers	$1611	$269
Hastings Mutual	$303	$50

Cheapest Full Coverage Car Insurance in Grand Beach

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Grand Beach is Travelers at $71 per month and $419 for six months.

Cheapest Full Coverage Car Insurance Quotes in Grand Beach, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$419	$71
USAA	$525	$88
Encompass	$581	$97
Auto-Owners Insurance Co	$596	$101
Chubb	$626	$105
Auto-Owners	$702	$118
AAA	$717	$121
Farm Bureau Ins of MI	$737	$125
Pioneer State Mutual Ins Co	$802	$133
Progressive	$802	$135
Westfield	$1000	$168
Farm Bureau	$1126	$191
State Farm	$1434	$241
Allstate	$1530	$260
Bristol West	$1994	$332
Farmers	$3100	$527
Hastings Mutual	$692	$116

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Grand Beach Instantly!

Average Car Insurance in Grand Beach by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Grand Beach, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Grand Beach, Michigan, may be increasing due to several external factors. Michigan has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Grand Beach's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Grand Beach

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Chubb	$237
30s	USAA	$180
40s	USAA	$173
50s	USAA	$166
60s	Chubb	$151
70s	Chubb	$166

Cheapest Car Insurance Rates for Teen Drivers in Grand Beach,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Grand Beach at $35 per month. At $4927 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$207	$35
Westfield	$222	$37
Encompass	$242	$41
Chubb	$288	$49
Auto-Owners Insurance Co	$303	$50
Grange	$394	$67
USAA	$798	$134
Auto-Owners	$955	$161
AAA	$1272	$214
Farm Bureau	$1833	$312
Progressive	$1964	$331
Allstate	$3312	$564
State Farm	$3398	$566
Farmers	$14218	$2417
Bristol West	$4927	$821

Teen Car Insurance Rates in MI by Age

Way Tip

If you are in your twenties Chubb is the best choice for car insurance in Grand Beach.

As young drivers face the highest rates in Grand Beach, Chubb offers the cheapest auto insurance rates at $237 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Grand Beach, Travelers is the cheapest car insurance provider. At $338 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Grand Beach is Farm Bureau Ins of MI, offering rates of around $1070 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$338	$58
Encompass	$349	$58
Progressive	$490	$83
Westfield	$515	$86
Auto-Owners Insurance Co	$546	$93
Pioneer State Mutual Ins Co	$666	$111
Grange	$843	$144
Farm Bureau Ins of MI	$1070	$179

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Grand Beach.

Car Insurance Rates with An Accident in Grand Beach

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Grand Beach, MI, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Grand Beach

The cheapest car insurance companies after an at-fault accident in Grand Beach include Chubb and Westfield, offering $258 and $273, respectively. Pioneer State is an expensive provider with an average six-month premium of $404.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$258	$44
Westfield	$273	$45
Auto-Owners Insurance Co	$318	$54
Encompass	$359	$60
Farm Bureau Ins of MI	$424	$72
Pioneer State Mutual Ins Co	$469	$78
Travelers	$500	$84
USAA	$626	$105
Progressive	$692	$116
Auto-Owners	$773	$130
AAA	$989	$167
Farm Bureau	$1379	$230
State Farm	$1570	$267
Allstate	$2439	$406
Farmers	$4357	$741
Pioneer State	$404	$67

Grand Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Grand Beach MI. For example, the car insurance in Grand Beach after a DUI increases to $2040 for a six month policy. While the rate increases by $1111 for a six-month policy in the case of a speeding ticket.

Grand Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1111	$185
Failure to wear a seat belt	$1318	$224
Cell phone violation	$1398	$233
Texting while driving	$1398	$238
Illegal turn	$1403	$234
Wrong way/wrong lane	$1403	$239
Speeding in school zone	$1424	$237
Driving with expired registration	$1434	$244
Failure to stop at a red light	$1449	$241
Improper passing	$1449	$247
Speeding 16 - 20 MPH over limit	$1611	$269
Open container	$1898	$323
Driving with a suspended license	$2126	$354
Racing	$2741	$466
Reckless driving	$2979	$496
Leaving scene of an accident/hit and run	$3055	$519
DUI	$3151	$525

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Grand Beach after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Grand Beach.

The cheapest car insurance premiums in Grand Beach are offered by Chubb at $258 for a six-month policy. However, it can be as expensive as $7957 with companies like Allstate.

Grand Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$258	$43
Auto-Owners Insurance Co	$682	$116
Grange	$687	$115
Progressive	$732	$123
Pioneer State Mutual Ins Co	$828	$138
USAA	$893	$150
Travelers	$1015	$169
Auto-Owners	$1535	$258
Westfield	$1671	$281
AAA	$1726	$291
Bristol West	$2363	$394
Farmers	$2423	$408
Farm Bureau	$2868	$478
State Farm	$3610	$608
Allstate	$7957	$1326

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Grand Beach are offered by Westfield at $222. However, it can be as expensive as $10043 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Grand Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$222	$37
Chubb	$258	$43
Encompass	$273	$47
Travelers	$333	$55
Auto-Owners Insurance Co	$354	$60
Farm Bureau Ins of MI	$505	$84
USAA	$525	$89
Grange	$536	$89
Auto-Owners	$737	$125
Progressive	$1080	$182
AAA	$1096	$186
Farm Bureau	$1101	$184
Allstate	$1994	$339
State Farm	$3347	$558
Farmers	$10043	$1708

Car Insurance Price Trends in Grand Beach, Michigan

Car insurance rates in Grand Beach have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Grand Beach dipped by $228 in December compared to $234 of November. In other words, there has been an decrease by $6 when you compare December and November.

The average cost of liability insurance in the Grand Beach rose to $76 in December, compared to $70 in November. This represents an increase of $6 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Grand Beach?

The car insurance in Grand Beach is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Grand Beach?

The cheapest car insurance in Grand Beach is $71 per month for full coverage.

How much is car insurance in Grand Beach for teenagers?

Car insurance for teenagers costs $207 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Grand Beach?

The average cost of car insurance is $1203 for a six-month policy. It will cost around $172 per month to insure your car in Grand Beach.

Is car insurance expensive in Grand Beach?

Car insurance can be expensive in Grand Beach if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Grand Beach can be affordable.

Cheapest Car Insurance Quotes in Grand Beach

Why you can trust Way?

How Much Is Car Insurance in Grand Beach

Avg. Car Insurance in Grand Beach

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Grand Beach

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Grand Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in Grand Beach, MI

Way's key takeaways about car insurance in Grand Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Grand Beach

Cheapest Liability Coverage in Grand Beach, MI

Cheapest Full Coverage Car Insurance in Grand Beach

Cheapest Full Coverage Car Insurance Quotes in Grand Beach, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Grand Beach by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Grand Beach, MI increasing?

Car Insurance Premiums by Age in Grand Beach

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Grand Beach,MI

If you are in your twenties Chubb is the best choice for car insurance in Grand Beach.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Grand Beach

Cheapest Car Insurance Companies after an At-Fault Accident in Grand Beach

Grand Beach Car Insurance Rates by Violation

Grand Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Grand Beach after a DUI

Grand Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Grand Beach after Speeding ticket

Car Insurance Price Trends in Grand Beach, Michigan

Average Car Insurance Cost in Grand Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Grand Beach, MI

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources