Grand Rapids Car Insurance

If you have ever tried to venture through downtown Grand Rapids in the middle of rush hour, you know how crazy traffic can get. People come from all over the United States to experience “Beer City USA”. In fact, Grand Rapids was voted as one of the top “52 Places to Go” by the New York Times. With thousands of cars on the move, every driver needs the protection of a comprehensive car insurance policy. Luckily, our Independent Insurance Agents are always standing by to assist you. When you are searching for an affordable Grand Rapids car insurance policy, these agents make it simple. They quote with multiple carriers so you don’t have to.  

  • National Average Cost Per Year: $1,311
  • Michigan Average Cost Per Year: $2,476
  • #1 Most Expensive Auto Premium in US

Michigan is the most expensive state to get auto insurance in the United States, so it’s crucial that you do your research to get the best possible rate. By taking time to comparison shop and compare quotes from multiple agents, you can guarantee that you get the most affordable premium. There are several factors that can influence how much you pay for auto insurance in Grand Rapids: your age, your driving record, and even the kind of car you drive will all be part of the equation to determine your car insurance premium. 

Michigan Car Insurance Requirements

  • Body Injury Liability: Required
  • Property Damage Reliability: Required
  • Personal Injury Protection (PIP): Required
  • Minimum Liability Limits: 20/40/10

Michigan requires that you have coverage of at least $20,000 for an individual injured in an auto accident, $40,000 for all persons injured in an accident, and $10,000 for potential property damage.  While this might seem like more than you would actually need, the costs are often way higher in the case of an actual accident, especially if someone is seriously injured or even killed. If the damages exceed your coverage, you will have to pay the difference. That’s why it’s crucial to purchase as much liability coverage as you can reasonably afford when you select an auto insurance policy.


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Our independent agents shop around to find you the best coverage.

Number of Uninsured Motorists in Michigan

  • How many US drivers are uninsured: 12.6%
  • How many Michigan drivers are uninsured: 21%

Michigan has more uninsured motorists on the roadways than the national average. If you get into an accident with someone who isn’t insured, how will they cover the damage to your car? How will they pay for any bodily injury you incur? This is why every driver in Grand Rapids needs Uninsured Motorist coverage as an added measure of protection.

Number of Auto Thefts in Michigan

  • National Number of Thefts for 1,000 Vehicles: 2.94
  • Number of Thefts for 1,000 Vehicles in Michigan: 3.33

Michigan motorists also have a higher risk of auto theft than drivers in other states. Can you imagine how you would feel if you walked out of your office to discover that your car has been stolen? While it would never be a pleasant scenario, at least you would be covered if you have a comprehensive auto insurance policy in place.

Find a Great Car Insurance Policy in Grand Rapids

Grand Rapids drivers simply cannot afford to let a day go by without having a reliable car insurance policy in place. If you are still uninsured or you aren’t confident that your current coverage is sufficient, it’s time to take action. Our friendly agents will make it easy to collect multiple quotes and find the best price on the coverage you need. 

Our Insurance Agents are all dedicated to providing customers in Grand Rapids with fast, affordable auto insurance. When you contact an Independent Insurance Agent, you will get one-on-one assistance. The agent will work hand in hand to help you customize a policy that will protect you in case of accidents, theft, or bodily injury. 

Get in touch with an agent today and take the first step towards securing the covering you need at a price you can afford.

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