The best car insurance in Grand Rapids, MN

By

Lena Borrelli

Lena Borrelli

Insurance Expert

Lena Borrelli is a freelance contributor at Policygenius. With a diverse professional background, Lena spent time in finance, web marketing, and hospitality before settling into full-time life as a freelance writer.

Published November 18, 2021

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Drivers in Grand Rapids pay slightly less for car insurance than the average Minnesota driver. While the average cost of Minnesota car insurance is $1,418, the average car insurance rates in Grand Rapids cost just seven dollars less at $1,411 per year. A number of insurance companies in Grand Rapids also offer even lower rates.

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Our Policygenius quote comparison tool is an excellent way to shop rates from multiple providers to find the right car insurance for you.

Key Takeaways

  • Western Agriculture has the lowest average rate for Grand Rapids car insurance at $960 per year

  • The cheapest car insurance company for drivers with bad credit is West Bend Mutual, costing an average of $1,652 per year

  • Drivers in Grand Rapids must carry a minimum of $50,000 in bodily injury liability coverage per person, $100,000 in bodily injury liability coverage, and property damage liability of $10,000

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

Western Agriculture

$960

--

State Farm

$1,125

881

USAA

$1,156

890

American Family

$1,192

862

Nationwide

$1,200

876

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

$1,411

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 USAA for a driver with a DUI on their record $2,264 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

Western Agriculture

State Farm

USAA

American Family

Nationwide

At-fault Accident

$1,159

$1,327

$1,644

$1,811

$1,755

DUI

$1,725

$1,239

$2,264

$1,625

$2,082

Driving with a suspended license

$1,725

$1,239

$2,203

$2,073

$2,082

Driving with an open container

$1,725

$1,239

$1,750

$1,625

$1,430

Driving with expired registration

$979

$1,239

$1,444

$1,625

$1,430

Driving without Lights

$979

$1,239

$1,364

$1,625

$1,430

Failure to show documents

$979

$1,239

$1,444

$1,625

$1,430

Failure to stop at a red light

$979

$1,239

$1,444

$1,625

$1,430

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

$1,652

Western Agriculture

$1,665

Nationwide

$1,795

GEICO

$1,830

North Star Mutual

$1,988

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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 $1,418 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 $1,411 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.

I’m turning 25 soon. Will my rates change?

Drivers turning 25 could see lower rates, but a lot depends on your driving record and the kind of car you drive. Assuming you’ve kept a clean record, however, your rates should go down once you turn 25.

Methodology

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.