Drivers in Grand Rapids pay slightly less for car insurance than the average Minnesota driver. While the average cost of Minnesota car insurance is $1,422, the average car insurance rates in Grand Rapids cost just seven dollars less at $1,410 per year. A number of insurance companies in Grand Rapids also offer even lower rates.
Our Policygenius quote comparison tool is an excellent way to shop rates from multiple providers to find the right car insurance for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Grand Rapids, MN
Your car insurance premium is based on a series of specific individual factors relating to each driver. Insurance companies consider the make and model of your car, as well as how much you drive each year. Your driving history can help insurance companies assess your risk as a driver, while your credit score can show whether you make reliable and timely payments for your bills. Based on these factors and more, these are the cheapest car insurance companies in Grand Rapids.
Company | Average cost | JD Power Rating |
|---|---|---|
State Farm | $82/month | 882 |
Western Agriculture | $84/month | -- |
North Star Mutual | $98/month | -- |
American Family | $100/month | 874 |
West Bend Mutual | $104/month | -- |
Cheapest car insurance rates by ZIP code in Grand Rapids, MN
Where you live is another factor that can impact the cost of your car insurance. Insurers will look to see what kind of crime or other risks exist in your area. If your ZIP code shows a high level of criminal activity, insurers will likely charge more to cover the increased risk.
Another factor that insurance companies consider is any extreme weather that could impact your car. From its northern perch, Grand Rapids gets far more snow than the average state with frequent summer storms and sub-zero temperatures in the winter. These factors can all impact your insurance rates because these storms can easily cause damage to your vehicle and increase your risk of filing an insurance claim.
ZIP code | Average cost |
|---|---|
55744 | $1,410 |
Choosing the right car insurance company in Grand Rapids, MN
Just because a company has cheap rates does not mean that it is necessarily the best company for you. When shopping for car insurance companies, consider what kind of coverage you may need. For example, personal injury protection (PIP) is an additional coverage that does not come included with all policies but is still required for drivers in Minnesota. It is important to find a car insurance company in Grand Rapids that has all of the coverage you need and at the best price.
Policygenius can help you find the right car insurance company in Grand Rapids with our car insurance comparison tool.
Car insurance rates for drivers with driving violations in Grand Rapids, MN
Your driving record can also determine how much you pay for car insurance. When you have certain offenses on your record, insurers will charge more. For example, the average policy from Western Agriculture for a driver with a DUI on their record $1,803 per year.
Exact rates vary by company, so we provide a breakdown of average car insurance rates, showing how different offenses can impact rates from the cheapest car insurance companies in Grand Rapids.
Violation | State Farm | Western Agriculture | North Star Mutual | American Family | West Bend Mutual |
|---|---|---|---|---|---|
At-fault accident | $1,150 | $1,211 | $2,072 | $1,817 | $2,220 |
Suspended license | $1,080 | $1,803 | $3,146 | $2,081 | $2,155 |
Open container | $1,080 | $1,803 | $1,172 | $1,631 | $1,878 |
Expired registration | $1,080 | $1,023 | $1,172 | $1,631 | $1,878 |
Driving without lights | $1,080 | $1,023 | $1,172 | $1,631 | $1,878 |
Running a red light | $1,080 | $1,023 | $1,172 | $1,631 | $1,978 |
Following too closely | $1,080 | $1,023 | $1,172 | $1,631 | $1,878 |
Hit and run | $1,080 | $1,803 | $3,642 | $2,081 | $3,531 |
Not-at-fault accident | $1,009 | $907 | $1,172 | $1,266 | $1,259 |
Passing a school bus | $1,080 | $1,023 | $1,172 | $1,631 | $1,978 |
Reckless driving | $1,080 | $1,399 | $2,568 | $2,081 | $2,155 |
Cheapest car insurance for drivers with a DUI in Grand Rapids, MN
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,080 |
American Family | $1,631 |
Western Agriculture | $1,803 |
West Bend Mutual | $1,878 |
North Star Mutual | $3,642 |
Cheapest car insurance for drivers with a speeding ticket in Grand Rapids, MN
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $1,080 |
North Star Mutual | $1,357 |
Western Agriculture | $1,399 |
American Family | $1,631 |
West Bend Mutual | $1,878 |
Cheapest car insurance for drivers with bad credit in Grand Rapids, MN
Before providing a car insurance quote, some insurance companies may use your credit score to determine how much to charge for your policy. When you have poor credit, insurers may assume that you have trouble paying your bills and may struggle with the additional financial burden that insurance costs can bring. Studies have also shown that people with low credit scores are more likely to file a car insurance claim than someone with a high credit score. It is always a good idea to improve your credit score as much as possible, so you can save money on your auto insurance premium.
Company | Rates for drivers with bad credit |
|---|---|
West Bend Mutual | $1,651 |
Western Agriculture | $1,740 |
GEICO | $1,830 |
Nationwide | $1,839 |
North Star Mutual | $1,944 |
Buying car insurance in Grand Rapids, MN
According to Minnesota law, drivers in Grand Rapids must maintain a minimum amount of car insurance to legally drive. Grand Rapids auto insurance must include a minimum of the following coverage:
Bodily injury liability coverage per person: $50,000
Bodily injury liability coverage per accident: $100,000
Property damage liability coverage: $10,000
Drivers must also maintain a minimum amount of personal injury protection (PIP), but the exact amount varies per person.
Minnesota is a no-fault state, which means that each party is responsible for the cost of their own damages. Even if a driver hits you, you still have to pay the cost of your own damages. However, this also means that you are not responsible for the other party's damages if you yourself cause the accident. In some cases, you may be able to file an insurance claim against the other driver if you meet certain requirements or surpass the PIP limits available on your policy.
How to get cheap car insurance in Grand Rapids, MN
There are many ways to lower the cost of your car insurance, with savings programs like these:
Vehicle discounts: Your car’s vehicle safety features can save you money with extra discounts.
Driving discounts: Discounts for having low mileage, being a safe driver, and using telematics are all ways to lower the cost of your car insurance.
Increase your deductible: When you raise the deductible amount, you can save money on your car insurance premiums each month, although this means that you will have to pay more upfront if you experience an accident.
Frequently asked questions
What is the cost of Minnesota car insurance?
The average cost of car insurance in Minnesota is $1,422 per year. However, the amount you pay may be different based on risk factors like the company you choose and where you live.
What is the average cost of car insurance in Grand Rapids?
The average cost of Grand Rapids car insurance is $1,410 per year, which is just a touch cheaper than the average cost of Minnesota car insurance.
How do I save on Grand Rapids car insurance?
Many insurance companies offer car insurance discounts to help you save, such as payment discounts or savings for college students. However, the best way to find cheap car insurance is to shop car insurance quotes from multiple providers using the Policygenius quote comparison tool.
In Grand Rapids, is car insurance cheaper after you turn 25?
Most drivers in Grand Rapids, Minnesota, turning 25 will see lower rates than a teenager or new driver living in the same city. At the same time, a lot depends on your driving record. If you're a newly licensed driver at 25, it will take longer for your cost of car insurance to go down.
