Cheapest Car Insurance In Grand Rapids, MI
If you’re looking for the cheapest minimum coverage in Grand Rapids, Westfield has the best rate at about $27 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re looking for budget-friendly car insurance in Grand Rapids, MI, you’ll find a lot of variation in prices.
Drivers wanting the cheapest liability-only policy should check out Westfield. Auto-Owners has the best deals for full coverage, and young drivers can find the most affordable rates with Secura
Cheapest Car Insurance Companies In Grand Rapids, MI 2025
Cheapest Liability-only Car Insurance In Grand Rapids: Westfield
If you’re looking for cheap minimum coverage in Grand Rapids, Westfield stands out with an average rate of $27 per month.
The table below provides a breakdown of rates across multiple insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Westfield | $27 | $324 |
| Chubb | $48 | $576 |
| Travelers | $30 | $360 |
| Auto-Owners | $47 | $564 |
| GEICO | $52 | $624 |
Cheapest Full Coverage Insurance Rates In Grand Rapids: Auto-Owners
If you’re looking for budget-friendly full coverage in Grand Rapids, Auto-Owners has the lowest rates at around $109 a month.
The following table highlights average auto insurance rates from cost-effective insurers in Grand Rapids.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $109 | $1,308 |
| Farmers | $113 | $1,356 |
| GEICO | $120 | $1,440 |
| Westfield | $118 | $1,416 |
| Progressive | $116 | $1,392 |
Cheapest Car Insurance Rates For Seniors: Secura
With an average monthly cost of $57, Secura has the most budget-friendly car insurance for seniors in Grand Rapids.
The following table highlights the most affordable auto insurance quotes available for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Secura | $57 | $684 |
| Wolverine Mutual | $77 | $924 |
| Metropolitan | $62 | $744 |
| Travelers | $84 | $1,008 |
| USAA | $81 | $972 |
Cheapest Rates In Grand Rapids For Teenagers: Auto-Owners
With an average monthly rate of $150, Auto-Owners provides the most budget-friendly insurance for teen drivers in Grand Rapids.
The following table compares the most budget-friendly insurance options for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $150 | $1,800 |
| Chubb | $194 | $2,328 |
| Progressive | $251 | $3,012 |
| State Farm | $321 | $3,852 |
| Travelers | $217 | $2,604 |
Cheapest Auto Insurance For Young Adults in Grand Rapids: Secura
In Grand Rapids, young drivers can get the best insurance rates from Secura, with premiums averaging $85 per month.
The following table highlights the most budget-friendly car insurance rates for young adults in Grand Rapids.
| Provider | Average Monthly Cost | Average Annual Cost |
| Secura | $85 | $1,020 |
| USAA | $112 | $1,344 |
| Metropolitan | $110 | $1,320 |
| Auto-Owners | $145 | $1,740 |
| Safeco | $124 | $1,488 |
Cheapest Car Insurance In Grand Rapids For Good Drivers: Westfield
With an average rate of $27 per month, Westfield provides the most budget-friendly insurance for good drivers in Grand Rapids.
Good drivers can refer to the table below to find the most affordable car insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| Westfield | $27 | $324 |
| Chubb | $48 | $576 |
| Travelers | $30 | $360 |
| Auto-Owners | $47 | $564 |
| GEICO | $52 | $624 |
Find affordable Grand Rapids rates
Cheapest Car Insurance In Grand Rapids After A Speeding Ticket: Auto-Owners
At $65 per month on average, Auto-Owners offers some of the cheapest rates for Grand Rapids drivers with a speeding ticket.
If you have a speeding ticket, refer to the table below for a comparison of average insurance costs.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $65 | $780 |
| Chubb | $71 | $852 |
| Nationwide | $136 | $1,572 |
| GEICO | $105 | $1,176 |
| State Farm | $136 | $1,560 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
If you have an at-fault accident, Auto-Owners provides the lowest insurance rates, averaging $68 per month.
The following insurance companies provide the lowest premiums for drivers with an at-fault accident on file.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $68 | $780 |
| Progressive | $134 | $852 |
| State Farm | $103 | $1,632 |
| GEICO | $124 | $1,260 |
| Nationwide | $109 | $1,632 |
Cheapest Rates In Grand Rapids For Drivers After A DUI: Auto-Owners
At $83 per month on average, Auto-Owners is the most budget-friendly option for Grand Rapids drivers after a DUI.
The following table highlights the most budget-friendly car insurance rates for drivers with a DUI in Grand Rapids.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $83 | $996 |
| State Farm | $171 | $2,052 |
| USAA | $85 | $1,020 |
| Nationwide | $167 | $2,004 |
| GEICO | $125 | $1,500 |
Best Car Insurance Companies In Grand Rapids
Westfield provides the cheapest car insurance in Grand Rapids for $27 a month, though Travelers ($30) and Progressive ($43) are also affordable choices.
The following list ranks the 10 best car insurance companies in Grand Rapids, MI, by their average monthly costs.
| Company | Monthly Premium |
| Westfield | $27 |
| Chubb | $48 |
| Travelers | $30 |
| Auto-Owners | $47 |
| GEICO | $52 |
| Progressive | $43 |
| Farm Bureau | $50 |
| Encompass | $53 |
| Grange Insurance | $54 |
| Farmers | $60 |
Average Auto Insurance Rates In Grand Rapids – By Age
Car insurance rates heavily depend on age, with younger drivers facing higher costs due to their inexperience and higher accident rates. On average, teens pay approximately $1,858 annually for insurance.
By the time drivers hit 25, their insurance rates tend to go down, as long as they keep a clean record.
Drivers in their 50s and early 60s tend to receive the most competitive insurance premiums, as insurers factor in age to determine risk and experience.
| Age | Average Yearly Rate |
| Teenagers | $1,858 |
| 20s | $1,372 |
| 30s | $1,094 |
| 40s | $986 |
| 50s | $949 |
| 60s | $829 |
| 70s | $996 |
Average Rates In Grand Rapids – By Vehicle
Car insurance prices depend heavily on the type of vehicle you own. Insurers look at details like make, model, year, and design—newer, high-end cars with advanced features usually cost more to insure.
Below, you’ll find a table showing the average insurance premiums for different vehicles in Grand Rapids.
| Vehicle | Average Monthly Rate |
| Chevrolet Equinox | $137 |
| Subaru Outback | $130 |
| Honda CRV | $175 |
| Toyota Camry | $425 |
| Buick Enclave | $74 |
Average Cost Of Auto Insurance In Grand Rapids – By Zip Code
Because zip codes indicate crime levels, insurance companies set different rates for each location.
Below is a table showing the average car insurance premiums for different Grand Rapids zip codes.
| City | Average Monthly Rate |
| 49504 | $97 |
| 49512 | $125 |
| 49548 | $99 |
| 49506 | $98 |
| 49321 | $150 |
How Much Is Car Insurance In Other Cities in Michigan?
Your city plays a major role in determining your insurance rates. Higher risks of accidents, theft, and vandalism in urban areas usually drive up premium costs.
Dearborn drivers face average car insurance rates of $174 per month, while those in Midland pay about $92 monthly.
| City | Average Monthly Rate |
| Midland | $92 |
| Detroit | $159 |
| Flint | $117 |
| Battle Creek | $102 |
| Warren | $128 |
| Southfield | $141 |
| Farmington | $129 |
| Dearborn | $174 |
| Troy | $127 |
| Lansing | $99 |
Find affordable Grand Rapids rates
Our Methodology
My research on Grand Rapids, MI car insurance providers includes customer ratings, pricing, coverage options, and insights from various review sites.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Grand Rapids?
If you’re looking for the lowest insurance rates in Grand Rapids, Westfield is the cheapest for minimum coverage, while Auto-owners offers the best deal for full coverage, including collision and comprehensive insurance.
What is the average cost of car insurance in Grand Rapids?
The average car insurance rate in Grand Rapids is roughly $100 per month, though factors like your address, car type, and driving record can affect pricing.
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