Best Auto Insurance Rates in Grand Rapids, Michigan

On average your neighbors pay $102 a month.

See Your Rates

Compare Auto Insurance in Grand Rapids

Wednesday, November 14 2018 By Aaron Besson

Grand Rapids, Michigan is the home of the Pop Tart. If you’re looking to compare some sweet auto insurance prices there, QuoteWizard can help.

Average Grand Rapids Insurance Rates

How much is car insurance in Grand Rapids, CA? Michigan requires all drivers to have no-fault insurance. This hikes up premium costs a lot. Average car insurance in Michigan costs $1,231 per year. The national average price is $889.01.

Prices may vary based on your previous claims, driving history, car, credit score, and more.

Michigan Average Car Insurance Rates
Coverage Rates
Liability $795.32
Collision $413.83
Comprehensive $154.85
Total Cost Per Year $1,231.39
Price Per Month $102.61
Source: Facts + Statistics: Auto insurance

The graph below shows the average Michigan’s insurance rates from 2011 to 2015. This is the most recent data available. The Insurance Information Institute shows Grand Rapids car insurance increased from $983 in 2011 to $1,227 in 2015. This is a jump of $247 dollars, or 25.19 percent.

Michigan average car insurance rates

Buying car insurance in Grand Rapids, Michigan can eat up a lot of your time. QuoteWizard can help you quickly compare rates from multiple companies. In the end, you’ll save both time and money.

Last year, 24,334 drivers used QuoteWizard to compare car insurance quotes in Grand Rapids, MI from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Grand Rapids, MI

These are the most popular car insurers reported by QuoteWizard users in Grand Rapids, Michigan. Of them, 4,094 were uninsured at the time they requested a quote.

  1. Progressive
  2. State Farm
  3. Allstate
  4. Esurance
  5. Travelers
  6. AAA
  7. Liberty
  8. Farmers
  9. GEICO
  10. Nationwide

Top 10 Vehicles in Grand Rapids

These are the most popular makes and models owned by Grand Rapids, MI QuoteWizard users last year.

  1. Chevrolet Impala/LS/LT
  2. Ford Focus SE
  3. Chevrolet Equinox LT
  4. Chevrolet Malibu/LS
  5. Ford Fusion SE
  6. Ford Taurus SE
  7. Equinox LS
  8. Ford F-150
  9. Grand Prix/GT/Cherokee Laredo
  10. Chevrolet Trailblazer LS

Minimum Car Insurance Requirements in Grand Rapids, MI

Grand Rapids, Michigan requires drivers to carry Michigan’s minimum liability coverage of 20/40/10. This means your policy must include:

  • $20,000 Individual Bodily Injury Liability (BIL):
    The max amount paid for a person injured in a car accident.
  • $40,000 Total Bodily Injury Liability:
    The total amount paid for every person injured in a car accident.
  • $10,000 Property Damage Liability (PDL):
    The max amount paid for property damage caused by a car accident

Recommended Coverage Levels

Minimum coverage seems cheaper in the short term, but not after an accident. It doesn’t include collision or comprehensive coverage.

It’s not hard to exceed your liability levels after an accident. Given that, we recommend the following coverage: 

  • $100,000 Individual Body Injury Liability
  • $300,000 Total Bodily Injury Liability
  • $100,000 Property Damage Liability

Grand Rapids Drivers

Insurance is more expensive in areas with a history of bad drivers and accidents. How does Grand Rapids fare? QuoteWizard ranked state and city drivers from best to worst. According to our data, Grand Rapids came in as 57th worst city for driving.

Driving Conditions

Factors such as weather, road conditions, and traffic can affect your insurance rates. The riskier your driving conditions, the higher your premium can be.

Weather

Grand Rapids has hazardous road conditions in both summer and winter. During the summer months, hot weather can affect both your tire pressure and engine performance. During the winter, extreme rains and snow can reduce visibility and road control. All of these are high risks for accidents.

Road Conditions

TRIP reports that 41 percent of Grand Rapids, Michigan’s roads are in poor condition. Driving on bad roads costs Grand Rapids drivers $562 a year in extra car operating costs.

Traffic Congestion

TomTom ranks Grand Rapids 54th for worst traffic congestion in the United States. Grand Rapids commuters spend an extra 62 hours driving annually.

Moving Violations

Citations and at-fault accidents can affect your driving record. Drivers with tickets and accidents on their record pay more for car insurance. If you have too many tickets, you may need to buy high-risk auto insurance.

Traffic Tickets

Grand Rapids Police issued 1,574 traffic citations in 2017. This is a 3.3 percent decrease from the 1,846 citations written in 2016. Getting tickets can contribute to higher insurance rates.

DUI and DWAI Arrests

A DUI can affect your insurance rates. Our study found that drivers pay $830 more per year for car insurance after a DUI. In 2017 Grand Rapids Police made 620 DUI arrests.

SR-22 DUI/DWAI Insurance

Grand Rapids, Michigan drivers with a suspended license due to DUI must file an SR-22 form. You are required to carry the SR-22 for 3 years. Michigan’s SR-22 minimums are

  • $20,000 for injury to one person
  • $40,000 for injury to two or more people
  • $10,000 for property damage

Car Accident Statistics

Drivers pay more for insurance in areas with high accident rates. In 2017, Grand Rapids police reviewed 7,611 crash reports. 

Vehicle Theft Rates

Drivers in high car theft areas pay more for car insurance. Grand Rapids Police reported 435 vehicle thefts in 2017.

Save With Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower insurance rates. These are some of the many auto insurance discounts Grand Rapids drivers can use. Get a quote and find out which discounts you qualify for.

Looking for ways to get a discount? Grand Rapids drivers have many options:

  1. If you’re a terrible driver with tickets and accident on your driving record, you may need to get insurance for bad drivers
  2. Make sure your car as up-to-date safety features and anti-theft devices
  3. Bundle your car insurance with your home or renters policy and you can reduce your premium by up to 20 percent
  4. If you’re 55 or over, see if a senior citizens discount is available 
  5. Take a certified defensive driving course 
  6. Have more than one car? Look into a multiple car discount

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