The average monthly cost of full coverage car insurance in Grand Rapids is $234. The average monthly cost of the state-required minimum auto insurance is $124. These two costs compare to the national average at $140 monthly for full coverage and $47 monthly for the state minimum.
Grand Rapids drivers can expect to pay some of the highest car insurance costs in the nation. Lawmakers in Michigan have repeatedly tried to come up with car insurance that is equitable and fair to all. What has resulted has been a set of complicated and expensive rules. In fact, car insurance in Michigan is expensive enough that it’s the second highest state, behind Mississippi, for number of uninsured drivers.
Michigan is a no-fault state, so in addition to the regular liability car insurance, drivers in Grand Rapids must also purchase No-Fault Personal Injury Protection (PIP) insurance and an additional $10,000 in property damage insurance in case they cause an accident in another state.
See below for a more detailed explanation of these coverage limits.
Insurance companies base their rates on many factors. If you live in a congested city where accident claims are frequent and vehicle crime is elevated, you can expect to pay higher rates. How does Grand Rapids compare with other cities in Michigan? For the average monthly premiums paid by other cities in the state, see our breakdown below.