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open/ MI/ grand-rapids

Cheapest car insurance in Grand Rapids, Michigan

Michigan requires minimum liability coverage of 50/100/10, plus tiered no-fault PIP starting at $50,000. Rates below are monthly estimates for the 25-55 driver, Full coverage, Excellent credit bracket.

Filed per-carrier data
Methodology → All of Michigan →

Pulled directly from carrier rate filings for this city.

With 201,013 residents, Grand Rapids sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. The spread here is wide, 61% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, rates here land close to the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 TravelersFiled rate, credit/record adjusted $124.74
02 GEICOFiled rate, credit/record adjusted $125.73
03 Auto Club Group - ACG (AAA)Filed rate, credit/record adjusted $179.78
04 Auto-OwnersFiled rate, credit/record adjusted $187.49
05 ProgressiveFiled rate, credit/record adjusted $191.32
06 Pioneer State MutualFiled rate, credit/record adjusted $249.33
07 Michigan Farm BureauFiled rate, credit/record adjusted $259.74
08 Frankenmuth InsuranceFiled rate, credit/record adjusted $299.06
09 State FarmFiled rate, credit/record adjusted $316.63
Rate explainer
Why is your best rate $124.74 and not $209.31?

Grand Rapids is priced against 9 insurers for the 25-55 driver, Full coverage, Excellent credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full +$43.47
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Excellent (modeled) $-37.92
Driving record, Clean (modeled) +$0.00
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About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.