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Get Cheap Car Insurance in Grand Rapids, MN
We monitor insurance prices, helping the average driver in Grand Rapids save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in Grand Rapids
The chart below shows the cheapest car insurance company in Grand Rapids for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Auto-Owners Insurance, Kemper, and American Family Insurance.
| Grand Rapids Insurer | Monthly Cost |
|---|---|
| State Farm | $50 |
| Auto-Owners Insurance | $56 |
| Kemper | $59 |
| American Family Insurance | $59 |
Savings for Every Kind of Grand Rapids Driver
Based on our extensive insurance data, we know the average Grand Rapids driver will save about 27% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $428 per year by choosing the right vehicle insurance company. Some Grand Rapids residents are paying out over $1,590 extra every year for auto insurance in Grand Rapids. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Grand Rapids, MN Savings / Yr. |
|---|---|
$428 |
|
$539 |
|
$347 |
|
$704 |
|
$1,207 |
|
$357 |
|
$940 |
Grand Rapids Car Insurance vs. Minnesota
People living in Grand Rapids pay an average of 0.97% less than the typical driver in the state. The average driver in Grand Rapids can expect to pay about $823 per year, or $1,590 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Grand Rapids for most people.
Car Insurance Prices by Grand Rapids Neighborhood
Insurance Prices
Where is insurance cheapest within Grand Rapids?
The map shows insurance prices in and around Grand Rapids, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $109 per year within the city boundaries, with insurance premiums ranging from a high of $1,648 to a low of $1,539. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the South parts of Grand Rapids.Pick the Best Car Insurance Company for You in Grand Rapids
The best car insurance provider for most drivers in Grand Rapids
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $428 over the average Grand Rapids car insurance company.
The best car insurance provider for Grand Rapids drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $539 over the competition.
The best car insurance company for Grand Rapids drivers with speeding tickets
>Nationwide gave the average person with a speeding ticket the most savings, averaging $347 better than other car insurance companies.
The best auto insurance for Grand Rapids drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $704 less each year.
The least expensive car insurance company for new and young drivers in Grand Rapids
In Grand Rapids, State Farm costs young drivers $1,207 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Grand Rapids
State Farm gave the largest car insurance discounts to married couples, averaging $357 saved each year compared to an average Grand Rapids couple's premiums.
The cheapest car insurance in Grand Rapids for drivers with bad credit
The best Grand Rapids car insurance company for customer service
Nationwide was the best company for customer service in Grand Rapids according to the NAIC.
Recent price drops
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The cheapest large national provider in Grand Rapids
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Grand Rapids driver can expect to pay about $116 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Grand Rapids, USAA has the best prices for young drivers, drivers with accidents, married couples, good drivers, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.Auto Insurance Prices in and Around Grand Rapids
What Influences the Cost of Car Insurance in Grand Rapids?
On average, car insurance in Grand Rapids is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Grand Rapids is 24 minutes, which is far less than average for a driver in the state.
- Minnesota state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Grand Rapids are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Grand Rapids has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Grand Rapids is $69 per month for minimum coverage and $133 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- La Prairie: Insurance costs 0.69% less
- Coleraine: Insurance costs the same
- Cohasset: Insurance costs 0.69% less
- Bovey: Insurance costs 2.58% more
- Taconite: Insurance costs 2.26% more
- Marble: Insurance costs 1.51% more
- Warba: Insurance costs 2.45% more
- Calumet: Insurance costs 1.57% more
- Zemple: Insurance costs 3.21% more
- Hill City: Insurance costs 2.39% more
Cities with Similar Populations
- Clewiston: Insurance costs 66.23% more
- Tuckerton: Insurance costs 10.94% more
- Trinity: Insurance costs 24.15% less
- Trenton: Insurance costs 28.93% less
- Tobyhanna: Insurance costs 5.35% more
- Sunny Vista: Insurance costs 23.84% more
- Summerfield: Insurance costs 25.16% less
- Sterling: Insurance costs 17.30% more
- Russellville: Insurance costs 0.06% less
- Riverton: Insurance costs 3.96% less