Cheapest Auto Insurance in Grand Rapids, Michigan (2025)
Auto-Owners offers the cheapest car insurance in Grand Rapids, with minimum-coverage policies as low as $53 per month.
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Grand Rapids drivers pay an average of $125 per month for liability insurance, compared to the state average of $142 and the national average of $103. Michigan generally has high insurance premiums compared to the rest of the country.
A comparatively lower number of accidents — 562 in 2022 — for the city’s population size of nearly 200,000 may contribute to Grand Rapids’ relatively lower car insurance costs.1
Even with Michigan’s high car insurance rates, Grand Rapids drivers have plenty of ways to save money on car insurance, including comparing car insurance quotes, maintaining a clean driving record, and taking advantage of discounts offered by insurance companies.
Quick Facts
Auto-Owners, USAA, and Chubb offer the cheapest liability insurance in Grand Rapids.
The average cost of full-coverage insurance in Grand Rapids is $209. This is less than the state average of $214 but more than the national average of $182 per month for full-coverage insurance.
Michigan is a no-fault insurance state, which means your insurer has to cover your own medical expenses and related losses after a car accident, regardless of fault. This increases average insurance costs.
3 of the cheapest car insurance companies in Grand Rapids
While Grand Rapids drivers have many car insurance companies to choose from, you should always consider your budget, driving record, and coverage needs when comparing insurance company options.
The companies below all provide highly-rated insurance coverage at some of the best prices in Grand Rapids. The quotes included below reflect statewide average costs in Michigan.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for premium coverage: Chubb
Best insurer for affordable rates: Auto-Owners
Best insurer for military families: USAA
How to get the cheapest car insurance in Grand Rapids
If you’re looking to save money on your car insurance premiums in Grand Rapids, you have plenty of options. Here are a few ways to reduce your insurance premiums:
Compare quotes. Get quotes from multiple companies to see which offers the lowest premium for the coverage and customer service you need.
Bundle home and auto policies. Many insurance companies offer a discount when you bundle your auto insurance with a home or renters insurance policy.
Take advantage of discounts. Common insurance discounts include those for clean driving records, having certain vehicle safety features, setting up automatic payments, and more.
Increase your credit score. The better your credit score, the cheaper your insurance premiums will be.
Raise your deductible. Generally speaking, the higher your deductible, the lower your premiums will be, and vice versa.
Cheapest liability-only car insurance in Grand Rapids: Auto-Owners
Liability-only car insurance is generally the cheapest type of auto policy you can buy. Liability coverage pays for damages that result from an accident where you’re at fault, covering injuries to others and damage to other people’s property.
It’s important to note that, unlike most states, Michigan doesn’t allow drivers to carry just liability coverage since the state’s minimum coverage is higher than most. In Grand Rapids, the average cost of liability coverage is $125 per month.
Cheapest full-coverage car insurance in Grand Rapids: Auto-Owners
While liability coverage pays for damage to other people and their property, full-coverage car insurance also pays for damage to your own vehicle, regardless of who was at fault. Michigan doesn’t require full coverage, but it’s a good idea for most drivers.
You should carry full coverage if you have a valuable vehicle, still have a loan or lease on your car, or wouldn’t be able to replace it out of pocket if it were totaled. The monthly average cost of full coverage in Grand Rapids is $209.
Car insurance requirements in Michigan
Michigan’s minimum insurance requirements are higher than in many other states. While most states only require liability insurance, Michigan requires liability insurance, personal injury protection, and property protection insurance.
Here’s what those three coverages do:
Personal injury protection (PIP) pays for the policyholder’s medical bills and related expenses, including lost wages. Each policyholder’s PIP pays for their own expenses after a car accident, regardless of who was at fault.
Property protection insurance (PPI) pays for damages a policyholder’s vehicle does to other people’s property. It doesn’t pay for damage to other vehicles except for properly parked vehicles.
Residual liability insurance (BI/PD) pays for damages to other people and their property when a policyholder is at fault for an accident. The required bodily injury insurance pays for injuries to others, while the property damage liability insurance pays for damage to other property in another state.2
The coverages listed above are the only ones required in Michigan. But other optional coverages can protect you from financial losses. Here are a few you may want to consider:
Michigan no-fault insurance
One of the characteristics of Michigan’s no-fault law is that insured drivers can’t be sued after an accident, except in certain extreme situations. In those situations where a driver can be sued, their residual liability insurance would pay for the damages.
The situations where Michigan’s no-fault law allows an injured party to sue an insured at-fault driver include:
An accident in which someone was killed, seriously injured, or permanently disfigured
An accident with a non-resident driving a vehicle not registered in Michigan
An accident that took place in another state
An accident where one driver was at least 50% at fault and the not-at-fault driver doesn’t have insurance (up to $3,000 of coverage)
Cheapest car insurance for drivers with an incident
Your driving record is an essential factor insurance companies consider when setting your insurance premiums. Incidents like speeding tickets, driving under the influence, and at-fault accidents show insurance companies that you’re a higher-risk driver, which often causes them to increase insurance rates.
The average cost of car insurance for Grand Rapids drivers with a past incident is $156 per month for liability coverage and $261 for full-coverage insurance.
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
If you get a speeding ticket, your premiums will likely increase. The amount depends on several factors, including your insurer’s policies, the speed you were driving, and whether you have previous speeding tickets on your record.
Grand Rapids drivers with a speeding ticket face an average monthly cost of $145 for liability-only coverage. Below, you can find some of the city’s cheapest liability insurance options for drivers with speeding tickets.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
An at-fault accident will typically cause your insurance company to increase your premiums. When you cause an accident, your insurer has to pay for your claim, and you’ve shown that you’re a risky driver, indicating you may be more likely to file a claim in the future.
In Grand Rapids, drivers with at-fault accidents pay an average of $179 per month for liability auto insurance. Here are some of the lowest liability monthly quotes for drivers with an at-fault accident in the city.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Driving under the influence (DUI) is a very serious moving violation that can increase your insurance premiums significantly. In the immediate aftermath of a DUI, you’re likely to have your license suspended for anywhere from 180 days to a year, depending on the severity of the violation. You could even be subject to jail time.3
Once you can legally drive again, your insurance rates will almost certainly be higher than before the DUI. The average monthly cost of liability car insurance with a DUI on your license in Grand Rapids is $201. Here are some of the lowest car insurance quotes for drivers with a DUI in the city.
Cheapest car insurance for seniors: Auto-Owners
It’s common knowledge that young drivers pay higher insurance premiums, but you may be surprised to learn that senior drivers also pay higher premiums. Your insurance risk generally decreases over your lifetime if you’re a clean driver, but once you reach your 70s, your auto insurance risk rises, often resulting in higher premiums.4
Grand Rapids seniors pay an average of $105 per month for liability coverage and $175 for full coverage. Below are the average monthly car insurance quotes for seniors in the city.
Cheapest car insurance for teens: USAA
Young drivers pay higher insurance premiums than any other drivers on the road. Teen drivers lack driving experience and maturity, which can make them more likely to engage in high-risk driving behaviors and get into an accident.5
On average, teen drivers in Grand Rapids pay $193 per month for liability-only coverage and $323 for full coverage.
But teens and young adults still have plenty of ways to save money on car insurance. Many insurers offer discounts for young drivers, including those for good students or young drivers who take driver safety courses. Teen drivers can also save money by staying on their parents’ insurance policy for as long as possible.
Below are the average insurance quotes for teens in the city.
Is car insurance more expensive in Grand Rapids?
The average monthly car insurance rates in Michigan — at $142 for liability and $214 for full coverage — are much higher than the national average. For comparison, the U.S. average rates are $103 per month for liability coverage and $182 for full-coverage insurance. Grand Rapids drivers pay higher rates than the national average but lower rates than the state average.
Grand Rapids drivers pay an average of $125 per month for liability insurance and $209 for full-coverage car insurance. Coverage in Grand Rapids is cheaper than rates in some other cities in the state. For example, drivers in Detroit pay much higher rates, likely due to increased levels of risk related to population density and vehicle theft rates.
More cities in Michigan
Insurance premiums can vary significantly, even within the state of Michigan. Different cities — and even different ZIP codes — might have higher rates due to more accidents, more vehicle theft and overall crime, more uninsured drivers, and other factors.
The table below shows average car insurance quotes in other Michigan cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Grand Rapids car insurance FAQs
Finding the right car insurance can be difficult. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Grand Rapids.
How much is car insurance in Grand Rapids?
Drivers in Grand Rapids pay an average of $209 per month for full-coverage insurance and $125 per month for liability coverage. Your exact rate will depend on your insurer, driving record, age, credit history, vehicle type, coverage level, and more.
Which company has the cheapest car insurance in Grand Rapids?
Auto-Owners has the cheapest car insurance rates in Grand Rapids, at $53 per month for liability-only coverage. Grand Rapids drivers can also find cheap rates with USAA and Chubb, which have monthly liability rates of $54 and $58, respectively.
What are the best car insurance companies in Grand Rapids?
Auto-Owners is the best car insurance company in Grand Rapids, with an Insurify Quality (IQ) Score of 8.2 out of 5 and an AM Best financial strength rating of A++ (Superior). The average cost of car insurance from Auto-Owners in Michigan is $61 per month for liability coverage and $105 for full-coverage insurance. Of the insurers Insurify has rate data for, other top Grand Rapids choices include Chubb and USAA.
What is Michigan’s minimum car insurance?
Michigan drivers must carry at least $50,000 per person per accident in personal injury protection coverage, $250,000 per person and $500,000 per accident in bodily injury liability insurance, and $10,000 for property damage liability coverage. They also must carry $1 million in property protection insurance.
Can Michigan insurers consider credit history?
Michigan is one of the few states in which insurers can’t use your credit-based insurance score when determining your car insurance rates. In most other states, drivers with an excellent or good credit history pay lower rates than drivers with a poor credit history.6
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