Cheapest car insurance companies in Grand Rapids 

After an in-depth analysis, Insurance.com found that Travelers and Geico are the cheapest car insurance companies in Grand Rapids for 2023. 

Travelers offers the cheapest car insurance premium for Grand Rapids drivers at an annual rate of $1,092 a year, on average. 

The cost of car insurance in Grand Rapids varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.

Here’s a list of insurance companies offering affordable premiums to drivers in Grand Rapids.

CompaniesAverage annual rates
Travelers$1,092
USAA$1,426
Geico$1,514
Progressive$1,530
Auto-Owners$1,934
Automobile Club MI (AAA)$2,369
Pioneer State Mutual$2,651
Michigan Farm Bureau$2,818
Frankenmuth Insurance$2,840
State Farm$3,726

Cheapest car insurance cost in Grand Rapids by Age Group 

Auto-Owners is the cheapest option for car insurance in Grand Rapids for teen drivers, with average annual premiums at just $3,605 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.

Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance. 

For young drivers in Grand Rapids, Geico has the cheapest auto insurance rates, with an average annual cost of $2,148 annually

As Grand Rapids drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. Travelers stands out as the cheapest car insurance option for adult drivers, with an annual premium of $1,047

Travelers is the cheapest option for senior drivers in Grand Rapids, with an average premium of $1,159 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis. 

CompanyTeensYoung AdultsAdultsSeniors
Auto-Owners$3,605$2,622$1,897$1,899
Geico$3,833$2,148$1,505$2,377
USAA$4,564$2,380$1,488$1,510
Michigan Farm Bureau$4,983$4,003$2,816$2,651
Automobile Club MI (AAA)$6,054$4,222$2,314$2,201
Frankenmuth Insurance$6,143$4,471$2,843$2,683
Travelers$6,545$2,927$1,047$1,159
Pioneer State Mutual$6,799$4,903$2,659$2,393
Progressive$7,091$2,540$1,531$1,532
State Farm$11,116$6,327$3,763$3,610

Cheapest car insurance companies in Grand Rapids by driver profile 

Your driving profile plays an important role in determining your car insurance rates in Grand Rapids. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.

It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Grand Rapids that suits your budget. 

Here's a list of car insurance companies that offer cheap insurance rates in Grand Rapids based on driver profile. 

Travelers is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Grand Rapids drivers is $1,969

Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Grand Rapids.

CompanyAverage annual rates
Travelers$1,969
Progressive$2,010
Geico$2,078
USAA$2,598
Farmers$4,076
Allstate$4,329
State Farm$11,124

Progressive offers the cheapest auto insurance rates for drivers with a speeding ticket in Grand Rapids. It offers full coverage car insurance for drivers aged 30 at about $1,474 per year

Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs. 

CompanyAverage annual premium
Progressive$1,474
USAA$1,729
Travelers$2,092
Geico$2,379
Farmers$2,381
Allstate$3,909
State Farm$7,120

Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.

Drivers in Grand Rapids with at-fault accidents on their driving records can find the cheapest car insurance rates with Progressive. Its full coverage policy costs an average of $1,682 annually.

CompanyAverage annual rates
Progressive$1,682
USAA$2,085
Travelers$2,678
Farmers$2,725
Geico$3,527
State Farm$4,979
Allstate$5,961

Among the carriers analyzed, Progressive offers the cheapest auto insurance premiums for drivers with a DUI in Grand Rapids. On average, its annual full coverage rate is $1,561, making it a significantly cheaper option than other insurance providers.

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers. 

CompanyAverage annual rates
Progressive$1,561
USAA$2,391
Farmers$2,862
Travelers$5,981
Geico$10,975
State Farm$16,562
Allstate$23,147

Average car insurance cost in Grand Rapids 

On average, Grand Rapids drivers pay $2,137 annually, or $178 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Grand Rapids is $544.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies. 

Average annual RatesState minimum average
$2,137$544

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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