Grand Rapids Car Insurance

The Zebra
May 30, 2018

Car Insurance in Grand Rapids

Grand Rapids premiums, which fall below Michigan's average by 13%, are recognized for being economical. Let’s get started on how to save on car insurance in Grand Rapids.

  • City Average: $2,283
  • State Average: $2,610
  • National Average: $1,427

Grand Rapids Car Insurance by Gender and Marital Status

Marital status as well as gender are important considerations in determining the price of car insurance in Grand Rapids. Being single can cost you roughly 2% more per year compared to being married. On the other hand, divorced and widowed individuals pay the same as drivers who are single. $36 is the amount by which men's and women's car insurance premiums differ.

  • Female: $2,319
  • Male: $2,283
  • Single: $2,283
  • Married: $2,243
  • Divorced: $2,283
  • Widowed: $2,283

Grand Rapids Car Insurance by Credit Rating

Average car insurance premiums in Grand Rapids for individuals with Very Poor credit (300-579) are almost 3x the premiums for those with Exceptional credit (800-850). Drivers can save close to $1,508 per year when they upgrade their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $5,602
  • Fair: $4,094
  • Good: $3,223
  • Very Good: $2,472
  • Exceptional: $1,924

Grand Rapids Car Insurance by Accident or Violation History

Having an unblemished driving record is imperative if you want to keep the price of premiums low. $4,258 is the additional cost per year for drivers with a DUI in Grand Rapids, compared to the city average of $2,283. Reckless driving will also drive your premiums up, with typical rates of $6,344. That is 178% higher than the city average! Accidents happen, even to safe drivers, so be prepared and learn how your rates can change following one. If you are found at-fault in an accident in Grand Rapids, expect your annual car insurance payments to grow by $1,080.

  • DUI: $6,541
  • Reckless Driving: $6,344
  • At-fault Accident (damages less than $1000): $3,363
  • At-fault Accident (damages greater than $2000): $3,363
  • Speeding Ticket (16-20 mph over speed limit): $3,724

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Grand Rapids Car Insurance by Age

Among all age groups, drivers in their 50s have the smallest car insurance payments, with rates of $2,091/year. People in their 60s ($2,132) aren’t paying significantly more. Teenage drivers are the ones who pay the most in car insurance premiums, with payments of $7,262 on average. In Grand Rapids, drivers see the biggest fall in premiums when they reach their 20s, as they save an average of 59% from moving out of the teenage age bracket. In Grand Rapids, turning 60 means an increase in rates. Up until then, moving between age groups means decreasing prices.

  • Teenagers: $7,262
  • 20s: $2,958
  • 30s: $2,283
  • 40s: $2,241
  • 50s: $2,091
  • 60s: $2,132
  • 70s: $2,499