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Car Insurance in Grand Rapids

Are you a resident of Grand Rapids, Michigan? Are you planning to buy a new car? Then you’ll be searching for an affordable auto insurance policy also. Michigan law requires all drivers, including Grand Rapids residents, to have minimum car insurance to drive a car on state roads. In addition, Michigan, being a no-fault state, drivers must have personal injury protection coverage in addition to liability insurance.

So, the insurance rates in Michigan tend to be expensive due to these compulsory coverages. How expensive can be car insurance rates in Michigan? Car insurance rates in Grand Rapidsvary depending on the driver’s driving record, age, and ZIP code. So, every driver will be getting unique quotes for car insurance in Grand Rapids.

How much does car insurance in Grand Rapids cost? How can you find cheap car insurance in Grand Rapids? Which are the various insurance companies in Grand Rapids? We have all the info covered!

How Much Does Car Insurance Cost in Grand Rapids?

The annual average insurance cost in Grand Rapids comes to around $2,698 a year, which costs you nearly $224 a month. The car insurance rate is lower than the Michigan average ($3,108) but higher than the national average of $1,560. On average, the insurance rate in Michigan costs you $259 a month.

Grand Rapids (annual average) Michigan (annual average) United States
$2,698 $3,108 $1,560

Grand Rapids Car Insurance Premiums By Company

Progressive offers the lowest annual average rate in Grand Rapids with $1,884, nearly $157 a month. AAA is the second cheapest, with an annual average rate of $1,963 a year. However, the best way to save money on car insurance is to compare quotes from as many insurers as possible before choosing the one that offers the best rate.

Car insurance company Average Annual Rate
Progressive $1,884
AAA $1,963
State Farm $2,411
The Hanover $4,427
Allstate $5,094

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Grand Rapids Car Insurance Premiums By Age Group

Drivers in their 50s have the lowest car insurance premiums in Grand Rapids, paying an average of $2,489 per year. But, like in most states, teenagers pay the highest for buying car insurance in Grand Rapids. They pay an annual average rate of nearly $8,006, $667 a month! So, as a Grand Rapids resident, you can lower your auto insurance when you get out of your teens.

Age Average Annual Rate
Teens $8,006
20s $3,392
30s $2,686
40s $2,653
50s $2,489
60s $2,532
70s $2,963

Grand Rapids Car Insurance Premiums By Marital Status/Gender

A driver’s marital status and gender may impact the car insurance rates in some situations. For example, female drivers in the city pay more for buying car insurance than male drivers. In addition, as single drivers are more likely to file claims, they pay more for insurance premiums than married drivers.

Gender/Marital Status Average Annual Rate
Male $2,698
Female $2,739
Single $2,698
Married $2,660
Widowed $2,698
Divorced $2,698

Grand Rapids Car Insurance Premiums By Driving Record

Your car insurance premiums decrease if you maintain a clean driving record. On the other hand, getting speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents considerably hike your car insurance rate. Violations like reckless driving and DUI/DWI result in you paying hefty insurance rates.

In Grand Rapids, the average annual rate surges to $8,226 if you have a reckless driving citation.

Citation/Offense Average Annual Rate
Reckless Driving $8,226
DUI/DWI $8,043
Speeding Ticket $4,378
At-Fault Accident (damages < $,1000) $3,883
At-Fault Accident (damages < $2,000) $4,239

Grand Rapids Car Insurance Premiums By Credit Rating

Driver’s credit score is another factor that can impact car insurance rates in Grand Rapids.Drivers with a poor credit history often pay more for car insurance than those with good credit.Grand Rapids drivers who improve their credit score from the ‘Very Poor’ (300-579) to the ‘Exceptional’ (800-850) tier get a nearly 77 percent reduction in their car insurance premiums.

Credit Rating Average Annual Rate
Very Poor $8,074
Fair $3,595
Good $2,698
Very Good $2,266
Exceptional $1,858

Grand Rapids Car Insurance Premiums By Zip Code

The cost of car insurance varies depending on where you live, even within the same city. For instance, you need to pay more for car insuranceif your neighborhood has a high rate of car theft or badly maintained roads that frequently result in accidents. Based on the most populated places, here are some of the car insurance rates in Grand Rapids.

ZIP Code Average Rate
49504 $4,015
49508 $4,115
49507 $4,321
49503 $4,130
49506 $3,944
49505 $4,028
49548 $3,917
49546 $3,914
49525 $3,867
49534 $3,812

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Auto Theft Statistics In Grand Rapids

Grand Rapids has a somewhat higher car theft rate than the rest of Michigan. Car thefts occur at a rate of 2.5 per 1,000 persons each year, higher than the state average of 2.3. car theft often occurs in Ann Arbor or Flint but lesser than in Detroit or Lansing. Therefore, the cost of car insurance in Grand Rapids will get affected by the car theft rate in your area. The rate for comprehensive coverage can increase, which covers the cost when your car gets stolen.

Useful Info For Driving In Grand Rapids

Grand Rapids is the second-most populous city in Michigan. Also, Grand Rapids is the largest city in the Grand Rapids metropolitan region. So, it may not be easy to drive around always. But, here are a few tips that will help you get around the city.

  • The Interurban Transit Partnership (The Rapid) provides public transportation services. You can also use the DASH buses or “Downtown Area Shuttle.” These provide transportation to and from Grand Rapids parking lots to designated loading and unloading locations throughout the city.
  • The Greyhound Bus station in the neighborhood is integrated into The Rapid’s Central Station, making transfers between Greyhound and local buses easier. In addition, the Silver Line, Michigan’s first bus rapid transit line, opened in August 2014 as an express bus line meant to function as a light rail system.
  • Indian Trails operates a daily intercity bus service with varied frequencies between Grand Rapids and Petoskey, Benton Harbor and Grand Rapids, and Kalamazoo and Grand Rapids with intermediate stops.

Car Insurance Companies in Grand Rapids

Are you looking for low-cost auto insurance in Grand Rapids, Michigan? Grand Rapids auto insurance companies claim to offer good discounts and customizable coverages. Our knowledgeable car insurance agents in Grand Rapid scan explain the state’s most complicated laws, insurance terms, coverages, and discounts to you. The following are some of the major car insurance companies in Grand Rapids.

Insurers  
The General Auto-Owners Insurance
Allstate MetLife
State Farm USAA
Chubb Progressive
Grange Nationwide
Hanover  

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

FAQ

What is the cheapest car insurance in Grand Rapids,Michigan?

If you’re looking for the cheapest car insurance in Grand Rapids, Progressive offers the lowest annual average rate at $1,884.

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Learn more by city and state for car insurance




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