Car Insurance in Grand Rapids
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Car Insurance in Grand Rapids, MI
Looking to compare car insurance quotes in Grand Rapids? The second-largest city in Michigan is home to nearly 200,000 people, making car coverage in Grand Rapids an important consideration.
It was known as "Furniture City" thanks to the once-bustling trade practiced there. It's gone from bureaus to microbrews and is currently home to a thriving craft beer industry, which could be a factor influencing driving in Grand Rapids.
It's also home to the famous Medical Mile district, known for huge advancements in healthcare, and hosts an annual citywide celebration of art called ArtPrize. Grand Rapids has been recognized as a bicycle-friendly community with a robust cycling culture and network, but there are still important things to know about car coverage here.
The city is also home to several Fortune 500 companies, which could impact your car insurance costs in Grand Rapids. You'll want to stay informed when comparing quotes.
How much is car insurance in Grand Rapids, MI?
The overall expense of auto insurance in Grand Rapids can differ greatly, contingent on the coverage options you opt for. To provide a snapshot, below are the average costs for the three most popular coverage types in the area:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Grand Rapids?
Determining and sorting the insurance costs for each possible car make, model, and year in the city is an intricate process. Nevertheless, if you are interested in newer vehicles known for their lower insurance rates, here are the top 10 most economical car makes and models to consider in Grand Rapids:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $196 |
| 2 | Dodge Grand Caravan | $197 |
| 3 | Honda Cr-V | $211 |
| 4 | Ford Fusion | $215 |
| 5 | Kia Sedona | $215 |
| 6 | Ford F-150 | $217 |
| 7 | Chevrolet Silverado | $221 |
| 8 | Ford Escape | $225 |
| 9 | Jeep Cherokee | $225 |
| 10 | Toyota Rav4 | $227 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Assessing and organizing the insurance costs for every conceivable car make, model, and year in the city is a complex task. However, if you're looking for newer vehicles that are recognized for their affordable insurance rates, here are the top 10 most cost-effective car makes and models to consider in Grand Rapids:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $227 | 0% |
| Not at-fault Accident | $235 | +4% |
| Driving with expired registration | $344 | +52% |
| Speeding Ticket | $348 | +53% |
| At-fault Accident | $353 | +56% |
| Driving with a suspended license | $396 | +74% |
| Hit and Run | $479 | +111% |
| DUI | $560 | +147% |
What car insurance discounts can I get in Grand Rapids?
Various discounts are on offer which can decrease your insurance expenses in Grand Rapids. Below, these discount options are presented from the most significant to the least significant, helping you to lower your premium costs:| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $198 | +$29 |
| Multi-Policy Renters | $203 | +$24 |
| Paid in Full | $212 | +$15 |
| Low Mileage | $221 | +$6 |
| Electronic Funds Transfer | $226 | +$1 |
| Paperless | $227 | +$0 |
| None | $227 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.