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 across 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|
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Grand Rapids car insurance rates by insurer
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 compare quotes specific to your unique driving profile.
GRAND RAPIDS CAR INSURANCE RATES BY COMPANY
|Insurance Company||Average Rate (annual)|
Auto insurance premiums by age in Grand Rapids
The age group that enjoys the lowest auto insurance rates in Grand Rapids are drivers in their age_50s, who pay an average of $2,477per year. Those in their age_60s don't pay significantly more ($2,520).
Teenage drivers pay Grand Rapids's 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|
Grand Rapids auto insurance rates by gender and marital status
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|
Grand Rapids auto insurance premiums by violation history
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|
Grand Rapids car insurance rates by credit tier
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% decrease in their auto insurance costs. 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)|