Grand Rapids, Michigan’s average full-coverage policy for car insurance costs $2,021, while the policy with minimum coverage costs $816. According to data pulled from Quadrant Information Services, the cheapest car insurance company on average for state minimum coverage in Grand Rapids is Chubb, while Progressive has the cheapest average full coverage rates.
Pricing for car insurance varies depending on the company, household driving record, discount eligibility, and coverage requirements. Comparing multiple quotes is a great way to find the best price and cheapest car insurance company in Grand Rapids.
Grand Rapids’s best car insurance companies
Bankrate found that USAA, Geico and Auto-Owners are the top-rated car insurance companies in Grand Rapids (Michigan). Bankrate’s editorial team examined premium quotes from Quadrant Information Services in order to determine the best insurance providers. This was done based on high customer satisfaction scores, financial strength scores and coverage options.
USAA
USAA was ranked high in the 2021 J.D. despite not meeting the criteria. Power U.S. Auto Insurance Study. USAA offers low rates and reliable coverage. They also offer generous discounts and excellent customer service. USAA does not sell insurance to retired and active duty military personnel, their spouses and their children.
According to the website, drivers who switch to USAA save an average of $725 per year. USAA offers discounts for being a safe driver and being a good student.
Geico
Geico is known for offering cheap car insurance policies to Grand Rapids. Geico is a good choice if you’re looking for the best rate and minimal coverage. Geico policies are extremely basic and you have very few options for adding ons.
Geico is also known for its savings opportunities. There are discounts for good students, military personnel, federal employees, taking a defensive driver course, having a car with certain safety features, being claims-free and going on emergency deployment, among others.
Auto-Owners
Independent agents sell Auto-Owners car insurance in Grand Rapids. The company is a great option for drivers who are looking for a provider that offers great customer service and claims handling, plus reasonable rates and unique coverage options.
Drivers can choose to customize their Auto-Owners policy by adding gap insurance, diminished risk coverage, and the company’s Signature Personal Automobile Plus Package. This package includes 10 additional coverages such as lock replacement and cell replacement.
Grange
Grange’s auto insurance policies are slightly higher than the Grand Rapids average. Grange offers great coverage options and great discounts for drivers looking for a lower rate.
Some of Grange’s insurance endorsements include pet injury coverage, mobile device coverage, original manufacturer parts coverage, gap insurance, rental car reimbursement and full glass repair coverage. If you have a clean driving record, accident forgiveness can be added to your policy.
Grand Rapids has the lowest car insurance
The average cost of car insurance in Grand Rapids is less expensive than the average rate in Michigan, $2,309 per year for full coverage insurance and $948 per year for minimum coverage insurance. The average national rate in the United States is $1,674 per year for full coverage insurance, and $565 per year for minimum coverage insurance.
Although some car insurance companies offer lower rates than others due to many factors, rates can vary widely between drivers and are dependent on many other factors. The table below looks at the cheapest car insurance in Grand Rapids from the most popular carriers based on market share:
Price is only one aspect of comparing car insurance providers. You should also consider the coverages and available discounts when comparing car insurance providers. Geico and MetLife, for example, have very low rates but limited coverage. Progressive and Chubb might be better options if you’re looking for more comprehensive coverage. Geico, USAA, and Progressive offer the best discounts.
USAA is a great choice if you’re looking for outstanding customer service. USAA coverage is only available to military personnel. Progressive and MetLife are options for civilians. Claims handling is also a good option. MetLife and USAA get high marks for claims satisfaction, whereas Progressive and Geico are rated below-average.
Grand Rapids Insurance requirements
Grand Rapids residents must have minimum car insurance. Michigan drivers must carry car insurance coverage limits of 50/100/10 in liability insurance. Below is a complete breakdown of liability coverages in Grand Rapids.
- $50,000 bodily injury liability coverage per individual
- $100,000 bodily injury liability coverage per accident
- $10,000 for property damage coverage in another State
Michigan drivers are also required to carry property protection insurance (PPI), which pays up to $1 million for damage you cause to someone else’s property. Personal injury protection (PIP), which is required in Michigan, is also mandatory. However, the amount depends on what type of insurance you have. If you do not choose a PIP option, the default selection is unlimited coverage. Although you have the option of opting out of PIP coverage, many drivers do not choose to.
You will pay the lowest rate if you buy minimum coverage insurance. Insurance experts recommend that drivers buy more coverage than the minimum requirements. In the event of an accident at fault in Michigan, your financial responsibility may not be fully covered by the minimum liability limits. This could result in you having to pay additional expenses. You may also need to have full coverage insurance if your vehicle is financed or leased.
Grand Rapids car insurance discount
Grand Rapids car insurance can be costly. However, drivers can benefit from car insurance discounts to obtain a lower rate. These are some of the most common discounts that you will find in the city.
- Many car insurance companies offer a discount for students who are in high school or college and have a minimum GPA.
- Bundling discount on policy insurance: This discount is one of the most popular. You can get a lower rate if you insure your house and car with the same company.
- Discount for vehicle safety feature: Your insurance company might lower your rate if your vehicle has safety features such as an anti-theft device and anti-lock brakes.
- Automatic payments Discount: Drivers who sign-up for automatic monthly payments often get a discount on their insurance policies.
- Discount for defensive drivers: Car insurance companies often offer a discount for those who have completed a approved defensive driving course.
Questions frequently asked
Which is the best auto insurance company?
The best car insurance company is different for everyone, since everyone brings a unique set of circumstances to the process of buying auto insurance. It is important to evaluate the providers according to your individual criteria in order to find the best auto insurance company. Next, compare multiple quotes to determine which insurance company offers the best rate for you and the coverage you require.
What amount of Grand Rapids car insurance do you need?
Grand Rapids residents must have car insurance. This includes liability insurance that is at least 50/100/10, and Personal Injury Protection (PIP), as well as Property Protection Insurance (PPI). Insurance companies often recommend that drivers buy more coverage than is necessary. Liability-only coverage doesn’t include protection for your vehicle.
Which Michigan insurance policy is the most affordable?
Bankrate’s data for Michigan shows that USAA offers the most affordable average rates for full coverage car insurance. Progressive offers the best full coverage auto insurance rates in Michigan, as USAA does not cover military personnel, spouses, or children. You should remember that average rates are not guaranteed to be comparable rates. It is best to shop around to compare providers to find the best rate for you.