Cheapest Car Insurance Quotes in Grand Rapids

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Grand Rapids Car Insurance

^$ 36

/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 Rapids

The car insurance rate in Grand Rapids is $1350 for a six-month policy, which is $26 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $503, making it a popular choice for budget-conscious drivers. Rates in Grand Rapids 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 Rapids

$1350

Avg. Car Insurance in Michigan

$1324

National Average

$1278

Cheapest Car Insurance Companies in Grand Rapids

1st place: Travelers

At $503 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $643 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $697 for six months, making it the third cheapest auto insurance company in Grand Rapids.

Grand Rapids Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Grand Rapids, MI is Travelers, offering policies at just $503 for a six-month term. This is followed by USAA, which has an average six-month premium of $643.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $830 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Grand Rapids drivers find the best deals.

Cheap Car Insurance Companies in Grand Rapids, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$503	$85
USAA	$643	$108
Encompass	$697	$118
Auto-Owners Insurance Co	$715	$119
Chubb	$752	$128
Farm Bureau Ins of MI	$884	$148
Auto-Owners	$927	$156
AAA	$933	$157
Pioneer State Mutual Ins Co	$963	$164
Progressive	$987	$166
Westfield	$1200	$202
Farm Bureau	$1715	$286
Pioneer State Mutual	$1867	$317
State Farm	$1993	$336
Frankenmuth	$2121	$361
Bristol West	$2393	$399
Allstate	$1836	$312
Farmers	$3720	$632
Hastings Mutual	$830	$139

Key Takeaways

Way's key takeaways about car insurance in Grand Rapids

The auto insurance costs in Grand Rapids fall around $503 for six months.
The cheapest auto insurance company in Grand Rapids is Travelers.
Teen drivers pay the highest rate in Grand Rapids at $985 per month.

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Cheapest Minimum Liability Car Insurance in Grand Rapids

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 Rapids are given below.

Travelers provides the cheapest minimum car insurance coverage in Grand Rapids. Their Average 6 Month Premium is $212. Farmers is the most expensive at $1933 for the same period.

Cheapest Liability Coverage in Grand Rapids, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$212	$36
Westfield	$224	$38
USAA	$266	$45
Encompass	$291	$49
Chubb	$309	$53
Auto-Owners Insurance Co	$334	$55
Auto-Owners	$369	$62
Progressive	$418	$70
AAA	$424	$72
Farm Bureau Ins of MI	$430	$71
Farm Bureau	$540	$92
Pioneer State Mutual	$546	$91
Frankenmuth	$643	$109
State Farm	$993	$167
Bristol West	$1000	$170
Allstate	$781	$133
Farmers	$1933	$322

Cheapest Full Coverage Car Insurance in Grand Rapids

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 Rapids is Travelers at $85 per month and $503 for six months.

Cheapest Full Coverage Car Insurance Quotes in Grand Rapids, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$503	$85
USAA	$643	$108
Encompass	$697	$118
Auto-Owners Insurance Co	$715	$119
Chubb	$752	$128
Farm Bureau Ins of MI	$884	$148
Auto-Owners	$927	$156
AAA	$933	$157
Pioneer State Mutual Ins Co	$963	$164
Progressive	$987	$166
Westfield	$1200	$202
Farm Bureau	$1715	$286
Pioneer State Mutual	$1867	$317
State Farm	$1993	$336
Frankenmuth	$2121	$361
Bristol West	$2393	$399
Allstate	$1836	$312
Farmers	$3720	$632
Hastings Mutual	$830	$139

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Average Car Insurance in Grand Rapids 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 Rapids, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Grand Rapids, 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 Rapids'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 Rapids

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

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

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Grand Rapids at $42 per month. At $5913 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$249	$42
Westfield	$266	$45
Encompass	$291	$49
Chubb	$346	$59
Auto-Owners Insurance Co	$363	$60
Grange	$472	$81
USAA	$1024	$172
Auto-Owners	$1284	$216
AAA	$1667	$281
Progressive	$2351	$396
Farm Bureau	$2799	$466
Pioneer State Mutual	$3283	$558
Frankenmuth	$3914	$653
State Farm	$5502	$935
Allstate	$3975	$676
Farmers	$17062	$2901
Bristol West	$5913	$985

Teen Car Insurance Rates in MI by Age

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 Rapids, Travelers is the cheapest car insurance provider. At $406 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 Rapids is Farm Bureau Ins of MI, offering rates of around $1284 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$406	$67
Encompass	$418	$71
Progressive	$588	$98
Westfield	$618	$105
Auto-Owners Insurance Co	$655	$109
Pioneer State Mutual Ins Co	$800	$136
Grange	$1012	$168
Farm Bureau Ins of MI	$1284	$218

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

Car Insurance Rates with An Accident in Grand Rapids

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 Rapids, MI, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Grand Rapids include Chubb and Westfield, offering $309 and $327, respectively. Pioneer State is an expensive provider with an average six-month premium of $485.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$309	$53
Westfield	$327	$54
Auto-Owners Insurance Co	$381	$65
Encompass	$430	$71
Farm Bureau Ins of MI	$509	$87
Pioneer State Mutual Ins Co	$563	$94
Travelers	$600	$101
USAA	$781	$132
Progressive	$927	$156
Auto-Owners	$1078	$182
AAA	$1284	$216
Farm Bureau	$2096	$350
Pioneer State Mutual	$2236	$380
State Farm	$2527	$421
Frankenmuth	$2726	$464
Allstate	$2926	$488
Farmers	$5229	$889
Pioneer State	$485	$81

Grand Rapids Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Grand Rapids MI. For example, the car insurance in Grand Rapids after a DUI increases to $2448 for a six month policy. While the rate increases by $1333 for a six-month policy in the case of a speeding ticket.

Grand Rapids auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1333	$222
Failure to wear a seat belt	$1581	$269
Cell phone violation	$1678	$279
Texting while driving	$1678	$286
Illegal turn	$1684	$281
Wrong way/wrong lane	$1684	$287
Speeding in school zone	$1709	$285
Driving with expired registration	$1721	$293
Failure to stop at a red light	$1739	$290
Improper passing	$1739	$296
Speeding 16 - 20 MPH over limit	$1933	$322
Open container	$2278	$388
Driving with a suspended license	$2551	$425
Racing	$3290	$559
Reckless driving	$3575	$596
Leaving scene of an accident/hit and run	$3666	$623
DUI	$3781	$630

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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 Rapids 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 Rapids.

The cheapest car insurance premiums in Grand Rapids are offered by Chubb at $309 for a six-month policy. However, it can be as expensive as $9548 with companies like Allstate.

Grand Rapids car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$309	$51
Auto-Owners Insurance Co	$818	$139
Grange	$824	$138
Farmers	$836	$142
Progressive	$921	$155
Pioneer State Mutual Ins Co	$993	$169
USAA	$1103	$186
Travelers	$1218	$207
Auto-Owners	$1970	$332
Westfield	$2005	$338
AAA	$2211	$372
Bristol West	$2836	$482
Pioneer State Mutual	$3569	$595
Farm Bureau	$4198	$714
State Farm	$5193	$874
Frankenmuth	$9397	$1598
Allstate	$9548	$1591

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 Rapids are offered by Westfield at $266. However, it can be as expensive as $12051 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Grand Rapids after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$266	$45
Chubb	$309	$51
Encompass	$327	$56
Travelers	$400	$66
Auto-Owners Insurance Co	$424	$72
Farm Bureau Ins of MI	$606	$101
Grange	$643	$109
Auto-Owners	$806	$135
USAA	$824	$140
AAA	$1042	$173
Farm Bureau	$1078	$184
Pioneer State Mutual	$1187	$198
Progressive	$1212	$204
Frankenmuth	$1939	$323
State Farm	$3526	$600
Allstate	$2393	$407
Farmers	$12051	$2049

Car Insurance Price Trends in Grand Rapids, Michigan

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

The average cost of full coverage in the Grand Rapids dipped by $214 in January compared to $273 of December. In other words, there has been an decrease by $59 when you compare January and December.

The average cost of liability insurance in the Grand Rapids dipped to $75 in January, compared to $91 in December. This represents an decrease of $16 when comparing January and December.

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Average Car Insurance Cost in Grand Rapids by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Grand Rapids. At $1485 for a six-month policy, insuring your car at 49507 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
49507	$1485	$250
49506	$1472	$247
49505	$1458	$245
49504	$1485	$250
49548	$1472	$247
49503	$1485	$250
49525	$1458	$245
49546	$1472	$247
49534	$1418	$238
49512	$1404	$236
49544	$1377	$232
49508	$1485	$250

Frequently Asked Questions

How much is car insurance in Grand Rapids?

The car insurance in Grand Rapids is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Grand Rapids?

The cheapest car insurance in Grand Rapids is $85 per month for full coverage.

How much is car insurance in Grand Rapids for teenagers?

Car insurance for teenagers costs $249 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 Rapids?

The average cost of car insurance is $1324 for a six-month policy. It will cost around $227 per month to insure your car in Grand Rapids.

Is car insurance expensive in Grand Rapids?

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

Cheapest Car Insurance Quotes in Grand Rapids

Why you can trust Way?

How Much Is Car Insurance in Grand Rapids

Avg. Car Insurance in Grand Rapids

Avg. Car Insurance in Michigan

National Average

Cheapest Car Insurance Companies in Grand Rapids

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Grand Rapids Car Insurance Rates by Company

Cheap Car Insurance Companies in Grand Rapids, MI

Way's key takeaways about car insurance in Grand Rapids

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Grand Rapids

Cheapest Liability Coverage in Grand Rapids, MI

Cheapest Full Coverage Car Insurance in Grand Rapids

Cheapest Full Coverage Car Insurance Quotes in Grand Rapids, MI

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Grand Rapids by Rating Factor

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

Car Insurance Premiums by Age in Grand Rapids

Cheapest Car Insurance Companies Based on Age Group

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

If you are in your twenties N/A is the best choice for car insurance in Grand Rapids.

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 Rapids

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

Grand Rapids Car Insurance Rates by Violation

Grand Rapids auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Grand Rapids after a DUI

Grand Rapids car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Grand Rapids after Speeding ticket

Car Insurance Price Trends in Grand Rapids, Michigan

Average Car Insurance Cost in Grand Rapids by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Grand Rapids, MI

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

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