Skip to main content

Quality Insurance Solutions for Our Clients
and Community

River City Insurance Group has provided insurance to Michigan for over 35 years.

Request a QuoteWho We Are





Medicare Plans

Learn About River City Insurance Group

River City Insurance Group is an independent insurance agency started by John Layton in 1985. John started the agency with three things in mind—caring for each individual client, supporting our community, and having fun along the way.

Our team continues to live up to those expectations and commitments by providing our clients with personal service, whether that’s when you call, email, or stop in our office. We also give our clients choice by offering a variety of affordable insurance coverages to choose from. We’re proud to be part of our Marne, MI, community and we’re here to help you make informed decisions for your future and protect the things you cherish.

Learn About Us

Proud to Serve West Michigan and Beyond

As a local business and residents of Michigan ourselves, we understand your risks in a unique way that others may not—giving us the advantage of helping you manage those risks through insurance coverage. We are proud to serve clients locally in Marne, MI, in West Michigan, and across the entire state of Michigan. Call, email, or visit us today!

Proud to be Part of the Community

When most people say they are local, they mean they have an office in the community. However, not only do we have an office here, we also live here. We are involved with local charities and organizations that benefit our neighbors. We believe that by investing our time and money where it matters the most, we all benefit.

Small, Family-Owned, and Very Personal

River City Insurance Group offers a variety of personal insurance, business insurance, employee benefits, and insurance by industry solutions to help you protect what matters most.

The Independent Agency Advantage

What makes our independent insurance agency different?

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

An Independent Agency Gives You Options

We proudly represent Wolverine Mutual, AAA, Nationwide, and more!

Our Associations
Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Learn More About This Coverage
Interactive Graphic

Click it. Read it. Cover it.

  1. Click on the hotspots.
  2. Discover your risks.
  3. Explore coverage options.

Not what you’re looking for?

Explore more interactive graphics.

Manage Your Policies

Already a client of River City Insurance Group? Visit our Service Center to make requests and manage your insurance.

Visit Service Center

Our Clients Rave About Us

Check out our reviews and see why you should switch to River City Insurance Group.

“When I call you, it is like I am speaking to a long lost friend. You always have my best interest at heart. I feel like I am part of a family that takes care of me.”

Diane S.

“My office has been a client of River City Insurance Group for many years. They have always provided us with excellent service that is accurate, timely, and includes wise counsel regarding the insurance needs related to our business.”

Gary S.

“River City Insurance Group has been my ‘go to’ partner when dealing with insurance issues for many years. They get the job done every time.”

Kimberly M.

Let’s Get Started

  1. Step 1Fill out the form.
  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

Contact River City Insurance Group

"*" indicates required fields

Please do not include sensitive, private information in this area.
This field is for validation purposes and should be left unchanged.

Don’t like forms? Contact us at 616-677-3136 or email us.