Buy Cheap Grand Rapids, MI Auto Insurance

Average Grand Rapids, MI auto insurance rates are $9,054.30/yr and $754.52/mo. Coverage is costly in Grand Rapids because of the no-fault insurance structure in Michigan and the minimum coverage required. In addition to the insurance structure, factors like Grand Rapids, MI weather, traffic, and crime rates directly affect the rates you’ll pay in the city. The cheapest Grand Rapids, MI insurance rates are offered through USAA and Nationwide.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • Average Grand Rapids, MI auto insurance rates are $9,054.30/yr ($754.52/mo)
  • The cheapest auto insurance companies in Grand Rapids, MI are USAA and Nationwide
  • Michigan auto insurance rates are exceptionally high because of the no-fault insurance structure and high mandatory minimums

Grand Rapids, MI auto insurance can be expensive because overall rates in Michigan are higher than national averages. This is the result of the insurance structure in the state, though the laws are changing. But you can still save on your rates.

Two ways to save when you’re shopping for Grand Rapids, Michigan auto insurance are to compare rates from multiple companies and look for discounts. This article will give you the information you need to decide what auto insurance coverages you should purchase.

Before we get started, are you ready to buy affordable Grand Rapids, MI auto insurance? If so, enter your ZIP code in the free tool on this page to get Grand Rapids, MI auto insurance quotes today.

What is the cheapest auto insurance company in Grand Rapids, MI?

We used average rates to determine the cheapest auto insurance companies in Grand Rapids. Based on this, USAA offers the best rates.

Still, coverage from USAA is only available to military members and their families, so for insurance available to everyone, Nationwide has the cheapest coverage in Grand Rapids.

We’ve listed average rates in Grand Rapids, MI, from the cheapest to most expensive:

  • USAA – $3,341.51
  • Nationwide – $4,034.55
  • Progressive – $4,687.55
  • Farmers – $4,817.77
  • GEICO – $5,160.78
  • Travelers – $7,261.51
  • State Farm – $11,136.15
  • Liberty Mutual – $18,925.97
  • Allstate – $22,126.91

If these rates seem high, you’re right. Michigan has some of the highest car insurance rates in the country. But these rates are just a baseline you can use to help you determine if your individual rates are fair.

The rates you’re quoted will be determined by several factors, including how you drive, where you live, your marital status, and even Grand Rapids, MI weather.

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What auto insurance coverage is required in Grand Rapids, MI?

Michigan has specific insurance requirements you’ll need to meet to drive legally.

You have to carry at least the following coverage to drive in Michigan:

  • $20,000 per person and $40,000 per incident for bodily injury liability
  • $10,000 per incident for property damage
  • $1 million per accident in property protection insurance (PPI)
  • Personal injury protection (PIP) at a level that covers you until you make a full recovery

Michigan is a no-fault state, which is why both PPI and PIP are required. The unusually high Michigan no-fault insurance minimum limits set for these coverages are also why rates are so high in the state. However, recent insurance law reform has been enacted to change this and make insurance more affordable.

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What affects auto insurance rates in Grand Rapids, MI?

Grand Rapids is one of the more populated cities in Michigan, which can mean traffic. Traffic congestion is a factor insurance companies consider because more traffic can mean more accidents.

Check out these Grand Rapids, MI driving facts for more information:

  • According to INRIX, Grand Rapids is the 39th most congested city in the country (compared to Detroit’s ranking of 68th in the country).
  • According to City-Data, the average commute time in Grand Rapids is 19.1 minutes.
  • Crime, specifically auto theft, can also affect car insurance rates. The FBI recently reported that Grand Rapids has a rate of 183 cars stolen per 100,000 population.

Grand Rapids, MI Auto Insurance: The Bottom Line

Michigan has exceptionally high car insurance rates, and the average rates in Grand Rapids are no exception. However, you can still save by comparing rates, asking about discounts, and driving carefully.

When you’re ready to buy Grand Rapids, MI auto insurance, the best approach is to compare multiple companies’ rates. Use your ZIP code in our free tool to start that Grand Rapids, MI auto insurance rates comparison right now.

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