Cheapest car insurance quotes in Grand Rapids
On average, auto insurance in Grand Rapids costs about $143 per month for minimum coverage liability insurance and about $139 per month for full coverage insurance. Grand Rapids drivers pay 13% less than the Michigan average.
Securing an affordable car insurance policy is a great way to keep your auto-related expenses as low as possible. However, there’s no “cheapest” car insurance provider for every driver. To ensure you’re getting the best price for customized coverage, compare auto insurance quotes from various companies before choosing your favorite.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Progressive | $43 | 30 | 49506 | Toyota Rav4 Xle | State Minimum | No |
| Bristol West | $209 | 31 | 49504 | Jeep Grand Cherokee Lared | State Minimum | Yes |
| Bristol West | $114 | 29 | 49548 | Dodge Charger Police | State Minimum | No |
| Bristol West | $144 | 49 | 49548 | Pontiac Grand Prix Gt | State Minimum | Yes |
| Progressive | $283 | 22 | 49503 | Honda Accord Ex | State Minimum | No |
Best car insurance companies in Grand Rapids
Jerry conducted the nation’s largest insurance shopping survey to help you identify which auto insurance company offers the best rates in Grand Rapids, Michigan.
We spoke to more than 15,000 policyholders in 50 states about 87 insurance providers.
The results? There’s simply no best or cheapest car insurance company for every driver—instead, your rates are highly individualized.
Many drivers report that Travelers offers some of the lowest rates in Grand Rapids, but other car owners note that their rates increase swiftly as you increase your coverage levels.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Liberty Mutual | 4.7 | 4.7 | N/A | 4.3 |
| Safeco | 4.7 | 3.7 | N/A | 4.7 |
| Progressive | 4.2 | 3.6 | 3.4 | 4.1 |
| State Farm | 4 | 3.1 | 4.3 | 4.2 |
| Geico | 4 | 3 | N/A | 3.8 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
If you’re looking for a fast and easy way to find the cheapest rates in Grand Rapids, try using a car insurance comparison app or website.
Jerry is a top-rated insurance agency that offers a straightforward app that auto owners can use to shop for car insurance and explore their motorist coverage options. Moreover, Jerry provides end-to-end service—helping you register for your new policy and even canceling your old one on request.
Best cheap car insurance quotes in Grand Rapids
Whether you’re from Detroit, Lansing, Ann Arbor, or Grand Rapids, every Michigan driver is legally required to carry minimum liability coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), and property protection insurance (PPI).
However, depending on your specific needs, you’ll likely want to consider additional coverage types—such as full coverage.
Cheap minimum liability insurance quotes in Grand Rapids
Before legally driving your car, you’ll need to secure a policy meeting Michigan’s minimum liability coverage requirements
- $50,000 of bodily injury liability per person
- $100,000 of bodily injury liability per accident
- $15,000 in property damage liability per accident
You’ll often hear this referred to as 50/100/15 coverage.
Do you need more than minimum coverage in Grand Rapids?
Most drivers in Grand Rapids feel that the best car insurance policy will include more than the state minimum coverage.
If you cause a collision, you could be responsible for medical bills and vehicle repairs that greatly exceed the 50/100/15 limit—especially if the other driver is seriously injured or the vehicle is totaled.
The bottom line: To ensure you’re fully protected, consider 100/300/100 liability coverage—even if you opt out of collision and/or comprehensive coverage.
Cheap full coverage car insurance quotes in Grand Rapids
But what happens if you’re injured or your vehicle is damaged in an accident? That’s where full coverage car insurance comes in.
Full coverage auto insurance includes comprehensive and collision coverage.
- Collision coverage will help cover the cost of repairing or replacing your accident-damaged vehicle.
- Comprehensive coverage pays for damage due to vandalism, environmental causes, and even theft.
If you purchase your vehicle using an auto loan, your loan provider will likely require that you buy full coverage car insurance.
|
Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| State Minimum | No | Progressive | $43 | 30 | 49506 | Toyota Rav4 Xle |
| State Minimum | Yes | Bristol West | $209 | 31 | 49504 | Jeep Grand Cherokee Lared |
| State Minimum | No | Bristol West | $114 | 29 | 49548 | Dodge Charger Police |
| State Minimum | Yes | Bristol West | $144 | 49 | 49548 | Pontiac Grand Prix Gt |
| State Minimum | No | Progressive | $283 | 22 | 49503 | Honda Accord Ex |
Average cost of car insurance in Grand Rapids
Jerry has found that the average cost for minimum liability coverage is $143 per month or $1,718 per year in Grand Rapids, Michigan. The average annual premium for full coverage is $1,668, totaling about $139 monthly.
Although average insurance rates can estimate your insurance expenses, it is important to understand that several factors determine individual drivers’ insurance premiums. These factors include the type of vehicle, driving record, claims history, and demographic information, so the final insurance costs for each driver can vary.
Average cost of car insurance in Grand Rapids by zip code
Insurance companies consider various factors when calculating your car insurance premium, one of which is the location where you store your vehicle.
Insurance costs can differ based on population density, accident rates, crime statistics, and weather conditions. Insurance premiums can vary across zip codes, even within the same city.
Explore how Jerry Insurance Agency assisted drivers in Grand Rapids to meet their insurance requirements.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 49503 | $83 | $128 |
| 49504 | $124 | $128 |
| 49506 | $148 | $170 |
| 49507 | $103 | $153 |
| 49508 | $58 | $152 |
| 49512 | $74 | $125 |
| 49525 | $51 | $135 |
| 49546 | $47 | $164 |
Car insurance quotes in Grand Rapids by rating factors
Grand Rapids, Michigan car insurance companies consider several factors when calculating your premium, including:
- Driving record and claims history: Insurance providers may charge higher rates if your Michigan driving record shows a history of accidents or traffic violations.
- Location: Rates tend to be higher for city drivers than rural drivers. Different ZIP codes within the same city may also have varying insurance rates.
- Vehicle type: Luxury cars, high-performance vehicles, and sports cars generally have higher insurance costs for collision and comprehensive coverage.
- Usage of the vehicle: If you use your car to commute to work or have higher annual mileage, insurance companies may charge higher premiums than leisure usage.
- Credit score: Drivers with higher credit scores typically pay less for the same coverage—it’s considered an indicator of financial responsibility.
It’s important to note that these factors can vary among insurance providers, so we recommend using an online comparison tool or app to get personalized quotes based on your specific circumstances.
Cheap car insurance quotes in Grand Rapids after driving violations
Your driving history plays a significant role in determining your auto insurance quotes. If insurance companies see a track record of violations, they consider you a higher-risk driver, resulting in higher insurance rates.
Some of the most common traffic violations that can increase your car insurance rates include:
- Speeding
- DUIs
- At fault accidents
- Reckless driving
Cheapest car insurance in Grand Rapids after speeding ticket
Speeding violations can be categorized into different degrees based on the extent of the speed limit exceeded. These categories typically include speeding 1-5 mph over the limit, 6-10 mph over the limit, 11-15 mph over the limit, 16-20 mph over the limit, and speeding over 21 mph over the limit.
A moving violation will almost always impact your car insurance rates, but Jerry has successfully helped drivers with varying speeding tickets keep their rates as low as possible.
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding Violation-Minor | Bristol West | $103 | 38 | 49507 | Chevrolet K1500 Tahoe | State Minimum | Yes |
| Speeding Violation-Minor | Progressive | $99 | 29 | 49548 | Ford Focus Se | State Minimum | No |
| Speeding Violation-Minor | Progressive | $67 | 55 | 49503 | Ford Explorer Limited | State Minimum | No |
| Speeding Violation-Minor | Bristol West | $575 | 45 | 49507 | Hyundai Sonata Eco | State Minimum | Yes |
| Speeding Violation-Minor | Bristol West | $261 | 25 | 49507 | Nissan Rogue S | State Minimum | No |
Cheapest car insurance in Grand Rapids after DUI
A Michigan DUI violation typically leads to a higher increase in car insurance rates than other violations.
If you have a DUI offense on your record, insurance rates can vary significantly among different insurance companies. It may be necessary to compare rates from multiple insurers to find the cheapest options after a DUI.
Cheapest car insurance in Grand Rapids after an at-fault accident
Your car accident or claim history is a crucial element that significantly impacts car insurance rates.
Insurance companies carefully assess your previous at-fault accidents to evaluate the level of risk you pose as an insured individual. If you have been involved in a recent at-fault accident, it is possible for your Grand Rapids car insurance rates to increase dramatically.
|
Accident type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Not At Fault | Bristol West | $209 | 31 | 49504 | Jeep Grand Cherokee Lared | State Minimum | Yes |
| At Fault With No Injury | Bristol West | $114 | 29 | 49548 | Dodge Charger Police | State Minimum | No |
| Not At Fault | Progressive | $283 | 22 | 49503 | Honda Accord Ex | State Minimum | No |
| Not At Fault | Progressive | $103 | 29 | 49512 | Toyota Corolla L | 100/300 | Yes |
| Not At Fault | Progressive | $471 | 37 | 49507 | Ford Taurus Limited | State Minimum | Yes |
Cheapest car insurance in Grand Rapids after other driving violations
Aside from speeding tickets and DUIs, other violations like reckless driving and driving on a suspended license can also increase car insurance costs in Grand Rapids.
We’ve given you a list of different driving violations and how we helped Grand Rapids drivers find ways to save on their car insurance despite these infractions.
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Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Failure to Obey Signal | Progressive | $43 | 30 | 49506 | Toyota Rav4 Xle | State Minimum | No |
| Other Minor | Bristol West | $114 | 29 | 49548 | Dodge Charger Police | State Minimum | No |
| Other Minor | Bristol West | $112 | 23 | 49508 | Subaru Forester 2.5X | State Minimum | No |
| Other Minor | Progressive | $201 | 28 | 49504 | Chevrolet Malibu 2Lt | State Minimum | No |
| Driving on Sus. License | Progressive | $133 | 25 | 49546 | Pontiac G6 Base | State Minimum | No |
Cheap car insurance quotes in Grand Rapids by age
Insurance rates for new drivers are notably steep owing to their limited driving experience. However, as individuals age 25, their insurance rates tend to decrease. Conversely, car insurance costs tend to rise again once individuals reach the age of 75.
Cheapest car insurance in Grand Rapids for young drivers
Teen drivers in Michigan typically pay the highest insurance rates out of any age group in the state. Thanks to a higher likelihood of teenagers being involved in accidents compared to other age groups.
As such, teens who drive newer cars should opt for full coverage insurance for better financial protection.
Cheapest car insurance in Grand Rapids for senior drivers
Once individuals reach their mid-70s, car insurance rates begin to increase. This trend can be attributed to several factors contributing to higher seniors’ insurance costs.
Older drivers have a heightened vulnerability to accidents and are more prone to sustaining severe injuries in the event of a collision. Consequently, insurance providers incur significant medical expenses and experience elevated costs, leading to higher car insurance rates for seniors.
Cheap car insurance quotes in Grand Rapids based on insurance history
Your insurance history—how long you’ve been continuously insured—plays a crucial role in determining your car insurance rates.
Driving without insurance deems you a high-risk driver, and insurers want to know you’ve maintained continuous insurance for the duration you have been driving. Having a gap in your insurance coverage, regardless of the reason, results in higher car insurance rates.
To assist our customers in making timely insurance payments and avoiding coverage lapses, Jerry sends payment reminders to eligible customers. These reminders are sent when a payment is approaching or if a customer has fallen behind on their payments.
We have successfully helped numerous customers who are currently without insurance or have experienced a lapse in coverage in finding opportunities to save on a new policy.
Cheap car insurance quotes in Grand Rapids for drivers with poor credit
In Michigan, it’s illegal for car insurance companies to use your credit history to set your rates, deny your application, or raise your premiums on renewal. However, drivers with poor credit might still pay higher rates due to related factors, such as insurance history and claims filing.
According to our data, the national average car insurance premium for individuals in the highest credit bracket (over 750) is approximately 20% higher than the average cost for individuals with lower credit scores (under 550).
If your credit score isn’t up to par, Jerry can still help you find savings on car insurance in Grand Rapids.
|
Credit Score
|
Insurance Company
|
Monthly Quote
|
Age
|
Zip Code
|
Car Make Model Trim
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 750+ | Progressive | $43 | 30 | 49506 | Toyota Rav4 Xle | State Minimum | No |
| 550-659 | Bristol West | $209 | 31 | 49504 | Jeep Grand Cherokee Lared | State Minimum | Yes |
| 550-659 | Bristol West | $114 | 29 | 49548 | Dodge Charger Police | State Minimum | No |
| 550-659 | Bristol West | $144 | 49 | 49548 | Pontiac Grand Prix Gt | State Minimum | Yes |
| 550-659 | Progressive | $283 | 22 | 49503 | Honda Accord Ex | State Minimum | No |
Cheap car insurance quotes in Grand Rapids for popular cars
The vehicle you choose significantly influences your car insurance premiums. Various factors related to the type of car impact insurance costs, such as repair or replacement expenses, the probability of theft, and the overall safety performance of the vehicle.
Some of the most popular vehicles in the Great Lake State include:
- Honda Civic
- Nissan Rogue
- Ford Bronco
- Chevrolet Silverado 1500
- Toyota Corolla
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Toyota Corolla L | Progressive | $103 | 29 | 49512 | 100/300 | Yes |
| Nissan Rogue S | Bristol West | $261 | 25 | 49507 | State Minimum | No |
| Nissan Rogue S | Bristol West | $220 | 41 | 49507 | State Minimum | No |
| Honda Civic Lx | Progressive | $121 | 23 | 49507 | State Minimum | Yes |
| Nissan Rogue S | Bristol West | $541 | 22 | 49548 | 100/300 | Yes |
Learn more: How to get car insurance before buying a car
How to lower car insurance costs in Grand Rapids
1. Shop around and compare quotes
You won’t know you’ve found the best deal without comparing auto insurance quotes. Try to shop for car insurance quotes with at least three different providers every six months.
If you want to comparison shop in minutes with just a few taps, download Jerry. You’ll receive the most competitive quotes in Grand Rapids that’ll take the guesswork out of your hunt for cheap rates.
2. Hunt for car insurance discounts
A great car insurance discount is the difference between dreading your monthly bills and… well, not celebrating them, but maybe tolerating them. Take a look at these programs to lower your rates:
- Good driver discounts: You’re due for some savings if you’ve held a clean driving record for at least three years.
- Telematics device discounts: Telematics devices reward calm and mellow driving habits over hard braking and speeding.
- Good student discounts: College and high school students with a B average or better can save money on car insurance.
- Insurance bundle discounts: You could save money if you bundle your home and auto insurance products from the same provider.
3. Increase your deductible for comprehensive and collision coverage
Increasing your deductible is an easy way to reduce your monthly payment without sacrificing coverage.
Why is car insurance in Grand Rapids so expensive?
The cost of car insurance in Michigan can be higher due to several factors, including:
- Crowded cities: Cities with a high population density tend to have more traffic congestion and a higher probability of accidents, resulting in increased insurance premiums.
- Uninsured drivers: The presence of uninsured drivers on the roads can pose financial risks for insurance companies, leading to higher overall insurance costs for everyone.
- Expensive healthcare: The cost of healthcare in Michigan can impact insurance premiums, as medical expenses associated with accidents and injuries are factored into coverage costs.
- More highway traffic: Michigan has a relatively higher density of highways, which can contribute to an increased frequency of accidents and subsequently drive up insurance rates.
- Rate of car thefts: Areas with a higher incidence of car thefts can lead to increased insurance costs, as insurers compensate for the higher risk of vehicle loss or damage.
- High risk of natural disasters: Michigan is prone to natural disasters such as severe storms and floods, which can cause significant damage to vehicles. This increased risk contributes to higher insurance premiums.
Considering these factors, it’s not uncommon for car insurance in Michigan to be relatively expensive compared to other regions.
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
