Cheapest Car Insurance Quotes in Grand Rapids

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Grand Rapids Car Insurance

^$ 24

/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 $787 for a six-month policy, which is $16 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 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

$787

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Grand Rapids

1st place: AAA

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

2nd place: Iowa Farm Bureau

Iowa Farm Bureau offers auto insurance rates at $507 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $513 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, MN is AAA, offering policies at just $419 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $507.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1519 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, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$419	$72
Iowa Farm Bureau	$507	$84
Auto-Owners Insurance Co	$513	$87
Westfield	$513	$85
American Family	$623	$105
Travelers	$663	$112
West Bend Mutual	$663	$112
Nationwide	$786	$131
USAA	$798	$134
Auto-Owners	$861	$145
State Farm	$972	$164
West Bend	$978	$163
Allstate	$1205	$203
Farmers	$1519	$253

Key Takeaways

Way's key takeaways about car insurance in Grand Rapids

The auto insurance costs in Grand Rapids fall around $419 for six months.
The cheapest auto insurance company in Grand Rapids is Westfield.
Teen drivers pay the highest rate in Grand Rapids at $917 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.

Westfield provides the cheapest minimum car insurance coverage in Grand Rapids. Their Average 6 Month Premium is $140. Nationwide is the most expensive at $303 for the same period.

Cheapest Liability Coverage in Grand Rapids, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$140	$24
West Bend Mutual	$198	$33
AAA	$204	$34
North Star Mutual	$216	$36
North Star Mutual Insurance	$216	$36
USAA	$216	$36
Auto-Owners	$244	$41
Auto-Owners Insurance Co	$244	$41
Iowa Farm Bureau	$244	$41
West Bend	$244	$41
Farmers Union Insurance	$250	$42
Travelers	$268	$45
American Family	$279	$47
State Farm	$279	$47
Western National	$297	$51
Allstate	$483	$81
Farmers	$681	$116
Nationwide	$303	$50

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 AAA at $72 per month and $419 for six months.

Cheapest Full Coverage Car Insurance Quotes in Grand Rapids, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$419	$72
Iowa Farm Bureau	$507	$84
Auto-Owners Insurance Co	$513	$87
Westfield	$513	$85
American Family	$623	$105
Travelers	$663	$112
West Bend Mutual	$663	$112
Nationwide	$786	$131
USAA	$798	$134
Auto-Owners	$861	$145
State Farm	$972	$164
West Bend	$978	$163
Allstate	$1205	$203
Farmers	$1519	$253

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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, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Grand Rapids, Minnesota, may be increasing due to several external factors. Minnesota 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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Farm Bureau Mutual	$652
30s	Farm Bureau Mutual	$466
40s	Farm Bureau Mutual	$461
50s	Farm Bureau Mutual	$387
60s	Farm Bureau Mutual	$397
70s	Farm Bureau Mutual	$466

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Grand Rapids at $28 per month. At $5501 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$169	$28
North Star Mutual Insurance	$233	$39
Auto-Owners Insurance Co	$250	$42
AAA	$256	$43
Iowa Farm Bureau	$256	$43
Farmers Union Insurance	$268	$45
Umialik	$332	$57
Travelers	$850	$143
Auto-Owners	$1222	$206
USAA	$1299	$219
American Family	$1572	$265
State Farm	$1887	$318
Allstate	$3161	$532
Farmers	$5501	$917

Teen Car Insurance Rates in MN by Age

Way Tip

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Grand Rapids.

As young drivers face the highest rates in Grand Rapids, Farm Bureau Mutual offers the cheapest auto insurance rates at $652 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 Rapids, West Bend Mutual is the cheapest car insurance provider. At $250 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 State Farm, offering rates of around $5041 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$250	$42
Westfield	$309	$51
Farmers Union Insurance	$343	$59
Iowa Farm Bureau	$483	$80
AAA	$547	$93
American Family	$1048	$176
USAA	$1455	$248
Travelers	$1740	$290
Auto-Owners	$2358	$401
Farmers	$2881	$480
Allstate	$3259	$555
State Farm	$5041	$840

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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, MN, 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 Westfield and Umialik, offering $204 and $256, respectively. Nationwide is an expensive provider with an average six-month premium of $402.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$204	$34
Umialik	$256	$43
Western National	$279	$47
Iowa Farm Bureau	$315	$54
Auto-Owners Insurance Co	$332	$55
Farmers Union Insurance	$338	$58
AAA	$343	$57
West Bend Mutual	$343	$59
North Star Mutual	$361	$60
North Star Mutual Insurance	$396	$68
Encompass	$431	$72
Auto-Owners	$623	$105
State Farm	$658	$111
Travelers	$693	$117
USAA	$798	$134
American Family	$966	$163
Allstate	$2107	$355
Farmers	$2265	$385
Nationwide	$402	$67

Grand Rapids Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Grand Rapids MN. For example, the car insurance in Grand Rapids after a DUI increases to $1071 for a six month policy. While the rate increases by $220 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	$1002	$167
One Med/PIP claim	$1013	$172
Not-at-fault accident	$1030	$172
One comp claim	$1065	$181
Two Med/PIP claims	$1065	$177
Two comp claims	$1112	$189
Failure to wear a seat belt	$1141	$190
Failure to show documents	$1158	$197
Child safety restraint	$1176	$196
Driving without lights	$1176	$200
Driving with expired registration	$1200	$200
Cell phone violation	$1222	$208
Speeding 6 - 10 MPH over limit	$1222	$204
Texting while driving	$1222	$208
Following too closely	$1234	$206
Driving too slowly	$1240	$211
Failure to yield	$1240	$207
Illegal turn	$1240	$211
Speeding in school zone	$1240	$207
Wrong way/wrong lane	$1240	$211
Failure to stop at a red light	$1246	$208
Improper passing	$1246	$212
Speeding 11 - 15 MPH over limit	$1251	$209
Speeding 16 - 20 MPH over limit	$1263	$215
At-fault accident - less than $1000	$1293	$216
Passing school bus	$1293	$220
In 65 MPH zone	$1299	$217
Operating a vehicle without permission	$1304	$221
Speeding 21 - 25 MPH over limit	$1345	$224
At-fault accident - $1000-$2000	$1438	$244
Open container	$1444	$241
At-fault accident - greater than $2000	$1473	$251
Reckless driving	$1804	$301
Racing	$1863	$317
Driving with a suspended license	$1980	$330
Refusal to submit to a chemical test	$2002	$340
DUI	$2073	$345
Leaving scene of an accident/hit and run	$2148	$366

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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 Umialik at $256 for a six-month policy. However, it can be as expensive as $2293 with companies like Farmers.

Grand Rapids car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$256	$43
West Bend Mutual	$268	$45
Western National	$268	$45
Farmers Union Insurance	$320	$55
Westfield	$361	$60
Iowa Farm Bureau	$471	$80
Country Financial	$501	$83
Auto-Owners Insurance Co	$535	$91
Travelers	$728	$123
State Farm	$774	$130
American Family	$873	$147
Auto-Owners	$1036	$174
USAA	$1054	$177
Allstate	$2172	$366
Farmers	$2293	$382

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 $169. However, it can be as expensive as $2188 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Grand Rapids after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$169	$28
Iowa Farm Bureau	$268	$45
West Bend Mutual	$268	$45
Western National	$268	$45
Auto-Owners Insurance Co	$279	$47
Farmers Union Insurance	$303	$52
State Farm	$547	$92
American Family	$629	$106
USAA	$745	$124
Auto-Owners	$757	$128
Travelers	$780	$130
Farmers	$1903	$323
Allstate	$2188	$365

Car Insurance Price Trends in Grand Rapids, Minnesota

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 rose by $173 in December compared to $172 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Grand Rapids remained steady at $48 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Grand Rapids?

The car insurance in Grand Rapids is $24 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 $72 per month for full coverage.

How much is car insurance in Grand Rapids for teenagers?

Car insurance for teenagers costs $169 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 $803 for a six-month policy. It will cost around $131 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 Minnesota

National Average

Cheapest Car Insurance Companies in Grand Rapids

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Grand Rapids Car Insurance Rates by Company

Cheap Car Insurance Companies in Grand Rapids, MN

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, MN

Cheapest Full Coverage Car Insurance in Grand Rapids

Cheapest Full Coverage Car Insurance Quotes in Grand Rapids, MN

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, MN 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,MN

If you are in your twenties Farm Bureau Mutual 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, Minnesota

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, MN

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

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