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What's the average car insurance rate in Grand Rapids?
Auto insurance costs an average of $2,686 per year in Grand Rapids. That's less than the average in Michigan ($3,096) and more expensive than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Grand Rapids.
CAR INSURANCE: GRAND RAPIDS RATES VS. STATE + NATIONAL AVERAGES
|Grand Rapids Average (yearly)||Michigan Average||U.S. Average|
|Grand Rapids Average (monthly)||Michigan Average||U.S. Average|
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The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical driver, Progressive offers Grand Rapids's most affordable premiums. We've listed the best cheap car insurance companies in Grand Rapids below. Use this information as a starting point and be sure to get free personalized quotes.
GRAND RAPIDS CAR INSURANCE RATES BY COMPANY
|Insurance Company||Average Rate (annual)||Average Rate (monthly)|
The age group that enjoys the lowest auto insurance rates in Grand Rapids are drivers in their 50s, who pay an average of $2,477 per year. Those in their 60s don't pay significantly more ($2,520).
Teenage drivers pay Grand Rapids' most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Grand Rapids is to age out of your teens. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Grand Rapids is $4,614. That's the biggest gap in premiums between any pair of age brackets.
GRAND RAPIDS CAR INSURANCE RATES BY DRIVER AGE
|Age||Average Annual Rate|
In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers in Grand Rapids pay $38 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. In Grand Rapids, single drivers pay less than those who are widowed.
Gender is another factor that can affect auto insurance rates. In Grand Rapids, female drivers pay $41 per year more than do male drivers.
INSURANCE RATES IN GRAND RAPIDS BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Yearly Rate|
Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Grand Rapids drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $5,528 per year versus the city average. A ticket for speeding results in a $1,679 rate hike while a DWI or DUI violation costs $5,345per year in extra insurance expenditures.
GRAND RAPIDS CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Incident/Violation||Average Annual Rate|
|At-fault Accident (damages < $1,000)||$3,871|
|At-fault Accident (damages > $2,000)||$4,227|
|Speeding Ticket (16-20 mph over speed limit)||$4,366|
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Grand Rapids drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 77% price cut on their auto insurance policies. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Grand Rapids, moving into the "Fair" credit tier corresponds to an average of $4,479 in savings on insurance each year.
GRAND RAPIDS AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit Tier||Average Rate (annual)|
Take the first step toward finding affordable insurance: compare rates today.
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.