Grand Rapids, MI Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Grand Rapids.
What's the average car insurance rate in Grand Rapids?
Auto insurance costs an average of $1,343 per six-month policy in Grand Rapids. That's less than the average in Michigan ($1,548) and more expensive than the national average of $880. Read on to learn more about how much you can expect to pay based on age, credit score, and other factors in Grand Rapids.
| Car insurance in Grand Rapids vs. Michigan | Average 6 Mo. Premium |
|---|---|
| Grand Rapids average | $1,343 |
| Michigan average | $1,548 |
The Zebra's key takeaways about car insurance in Grand Rapids:
- The average cost of a car insurance policy in Grand Rapids is $1,343 per six-month policy — $223 per month.
- The cheapest company in Grand Rapids is Progressive ($936).
- 31% of Zebra customers in Grand Rapids stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
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 get free personalized quotes.
| Company | Avg. 6 Mo. Premium |
|---|---|
| Progressive | $936 |
| AAA | $975 |
| State Farm | $1,199 |
| The Hanover | $2,207 |
| Allstate | $2,541 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company has the cheapest coverage is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Grand Rapids.
Grand Rapids auto insurance rates by age
The age group that enjoys the lowest auto insurance rates in Grand Rapids are drivers in their 50s, who pay an average of $1,238 for six months. Those in their 60s don't pay significantly more ($1,260).
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.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $3,997 |
| 20s | $1,690 |
| 30s | $1,337 |
| 40s | $1,320 |
| 50s | $1,238 |
| 60s | $1,260 |
| 70s | $1,475 |
Grand Rapids car insurance rates by credit score
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. 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 $2,239 in savings on insurance every six months. Our data tells us 35% of drivers in Grand Rapids have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $4,031 |
| Fair | $1,791 |
| Good | $1,343 |
| Very Good | $1,127 |
| Exceptional | $923 |
Grand Rapids car insurance costs by violationÂ
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 $5,345 per year in extra insurance expenditures.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $4,015 |
| Reckless Driving | $4,107 |
| At-fault Accident (damages < $1,000) | $1,935 |
| At-fault Accident (damages > $2,000) | $2,113 |
| Speeding Ticket (16-20 mph over speed limit) | $2,183 |
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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 editorial 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.