Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Grand Rapids

Our Recommended Top 6

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Grand Rapids Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

115Reviewed

71Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4829 East Beltline Avenue Northeast, Grand Rapids, MI 49525
WebsiteLicense: 8982551

Expertise.com Rating

Review Sources

Google
4.8 (58)
Facebook
5.0 (18)

Why choose this provider?

Bye Financial Group LLC is a full-service insurance and financial management company that has been serving the Grand Rapids metro area and surrounding communities for more than two decades. Established in 1998, the firm assists car owners, motorists, and commercial operators in insuring their vehicles with a car insurance policy. Its independent insurance agents represent multiple carriers that can provide a variety of coverage options. These include bodily harm, property damage liability, comprehensive vehicle damage, and alternative transportation. The company serves clients throughout Michigan.

  • Multiple Carriers
  • RV & Motorhome
  • Boats

508 28th Street Southwest, Grand Rapids, MI 49509
WebsiteLicense: 961081

Expertise.com Rating

Review Sources

Google
4.7 (144)

Why choose this provider?

Stedman Insurance Agency Inc. is a locally-operated insurance team based in Grand Rapids that provides auto insurance products. The agency investigates the best combination of price, coverage, and service for clients and advocates for them in the event of a claim. Its policies provide coverage for medical and legal expenses resulting from injury, loss of life, and property damage and optional coverage for cars if they get damaged or destroyed. Stedman Insurance Agency also offers coverage for motorhomes, motorcycles, and ATVs.

  • Multiple Carriers

7678 Cottonwood Drive, Jenison, MI 48428
WebsiteLicense: 0092344

Expertise.com Rating

Review Sources

Google
5.0 (46)
Facebook
5.0 (17)

Why choose this provider?

Michigan Insurance and Financial Services (MIAFS) - Grand Rapids Agency is an independent insurance solutions provider. The company offers car insurance solutions to clients that create a financial safety net for unexpected expenses caused by personal injury liabilities, physical damages, and accidents. Its auto insurance policies can be bundled with its home, life, and other policies. MIAFS consists of 60 insurance professionals that are experts in formulating personalized solutions for various insurance needs.

  • Multiple Carriers
  • Boats

1801 Breton Road Southeast, Grand Rapids, MI 49506
WebsiteLicense: 16849411

Expertise.com Rating

Review Sources

Google
4.9 (331)
Facebook
5.0 (50)

Why choose this provider?

The Brouwers Agency, LLC provides insurance products for residents and businesses in Grand Rapids. As an independent insurance agency, it is affiliated with a number of trusted insurance providers that can provide comprehensive coverage for possible risks that vehicle owners might encounter on the road. Its agents can help policyholders prepare for accidents that may result in damages to another person's property. They can also shop for policies that cover damages caused by an uninsured driver.

  • Multiple Carriers

1345 Monroe Ave NW Suite 132, Grand Rapids, MI 49505
WebsiteLicense: 0007828

Expertise.com Rating

Review Sources

Google
4.9 (111)
Facebook
4.8 (20)

Why choose this provider?

West Michigan Insurance is a car insurance agency based in Grand Rapids. Established in 1924, West Michigan Insurance has been dubbed the problem solver because of how they help their clients with their auto insurance concerns. Its team of 11 agents works together to educate their clients that car insurance is not just about the damage to their client's car. In fact, it covers more than just the car. West Michigan Insurance also provides homeowners, life, and business insurance.

  • Multiple Carriers
  • Motorcyle & ATV
  • Boats

975 3 Mile Road Northwest, Grand Rapids, MI 49544
WebsiteLicense: 959663

Expertise.com Rating

Review Sources

Facebook
5.0 (13)
Google
5.0 (6)

Why choose this provider?

Steenland Insurance Agency is an independent company based in Grand Rapids that offers auto insurance products to its clients. Established in 1927 by William I. Steenland, the family-owned and operated business has been working with multiple carriers, which include Auto-Owners, Foremost, and Progressive, to provide customized coverages. Its insurance plans protect them against damages and financial losses caused by unexpected events, such as theft and accidents. Additionally, Steenland Insurance Agency offers insurance for motorcycles, boats, and ATVs.

  • Bundling Option

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What are the four obligatory car insurance coverages for Grand Rapids residents under Michigan law?

    According to Michigan law, car drivers in Grand Rapids must get the following insurance policies:

    • PIP, or personal injury protection
    • BI, or residual bodily injury liability
    • PPI, or property protection insurance
    • PD, or property damage

    Having these policies in place protects drivers from potential legal repercussions by ensuring that they adhere to statutory laws.

  • How do insurance companies in Grand Rapids determine when to declare a car totaled?

    In Grand Rapids, a car is typically considered totaled by insurance companies when the combined costs of repairs and salvage surpass the car's value. The decision might be based on a set percentage of the car's worth, often ranging from 51% to 80%. It's important to undertand each company's unique procedures because they may have diverse standards.

  • Is there a special auto insurance option for individuals in Grand Rapids who don't own cars but have licenses?

    Yes. In Grand Rapids, individuals holding a license but not driving on a regular basis can secure non-owner vehicle insurance. Various firms offer this specialized coverage, which predominantly addresses potential injuries or property damages inflicted by the holder. It's crucial to note, however, that this specific insurance emphasizes liability and doesn't provide all-encompassing protection.

  • For residents of Grand Rapids, does standard auto insurance typically encompass rental car coverage?

    It depends. For many Grand Rapids residents, standard auto insurance often extends to rental cars. However, the depth of this coverage can vary based on the individual policy. Some policies might inherently include rental vehicles, while others require purchasing distinct additional coverage. To fully grasp rental car coverage specifics, policyholders should thoroughly examine their contract or directly engage with their insurer.

  • In Grand Rapids, are there maximum limits set on the no-fault residual bodily injury liability and property damage coverages?

    No. The no-fault law in Grand Rapids doesn't enforce a ceiling on residual bodily injury liability and property damage coverage. For tailored maximum limits, drivers must consult with their insurance agents. However, the property protection insurance benefits cap stands at $1 million. To get a clearer picture of premium costs, discussing desired coverage and limits with an insurance agent is encouraged.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.