Grand Rapids, MI Car Insurance

The typical car insurance policy costs $223 per month in Grand Rapids. If you're paying too much, compare rates and save today.

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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 AverageU.S. Average
$2,686$3,096$1,548
 
Grand Rapids Average (monthly)Michigan AverageU.S. Average
$223$258$129
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Grand Rapids car insurance rates by company

 

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 CompanyAverage Rate (annual)Average Rate (monthly)
Progressive$1,872$156
AAA$1,951$162
State Farm$2,399$199
The Hanover$4,415$367
Allstate$5,082$423
 
Learn how to find the best cheap auto insurance

 

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 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
AgeAverage Annual Rate
Teenagers$7,994
20s$3,380
30s$2,674
40s$2,641
50s$2,477
60s$2,520
70s$2,951
 

Learn more about how age influences auto insurance rates.

 

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 StatusAverage Yearly Rate
Female$2,727
Male$2,686
Single$2,648
Married$2,648
Divorced$2,686
Widowed$2,686
 

Learn more about the impact of gender and marital status on auto insurance rates.

 

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/ViolationAverage Annual Rate
DWI/DUI$8,031
Reckless Driving$8,214
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
 

Learn more about how citations can raise your auto insurance rates.

 
 

 

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% 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 TierAverage Rate (annual)
Very Poor$8,062
Fair$3,583
Good$2,686
Very Good$2,254
Exceptional$1,846

Take the first step toward finding affordable insurance: compare rates today.

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.