Grand Rapids, MI Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Grand Rapids, MI, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Ways to Lower the Cost of Car Insurance in Grand Rapids, MI
The average cost of auto insurance in Grand Rapids, MI, is $1,842. This value is much lower than the average cost of auto insurance in neighboring places such as Comstock Park, Walker, Northview, and Wyoming. Auto insurance in Grand Rapids depends on numerous factors ranging from the make and model of the car to the driver’s age. It also depends on the neighborhood one lives in. Zimlon provides car owners with the option of keying in their zip code to get accurate auto insurance quotes from different insurance companies.
Multi-Car Insurance:
Car owners in Grand Rapids, MI, can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer in order to get added benefits.
The cost of insuring two cars under a multi-car insurance policy in Grand Rapids, MI, is $3,131, saving up to $553. The amount of savings on multi-car insurance in Grand Rapids, MI, can range from $553 to $1,105.
Driving Record:
Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.
The cost of auto insurance in Grand Rapids, post-DUI, increases to $4,589. But, this is also dependent on the driver’s age. The cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Grand Rapids. Other violations that can have a long-term impact on auto insurance in Grand Rapids include driving with an expired license and running a red light. The former leads to an increase of $1,242, while the latter leads to an increase of $429.
Hybrids and Electric Vehicles:
Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states.
Factors that can influence the cost of car insurance in Grand Rapids, MI are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Grand Rapids, MI Auto Insurance Rates
- Grand Rapids, MI Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Grand Rapids, MI
- Multi Vehicle Insurance Savings in Grand Rapids, MI
- How Credit Score Affects Car Insurance Rates in Grand Rapids, MI
- How DUI Affects Auto Insurance Premiums in Grand Rapids, MI
- Top Auto Insurance Agents Near Grand Rapids, MI
- How Driving Violations Affect Auto Insurance Rates in Grand Rapids, MI
- Grand Rapids, MI Auto Insurance Discounts on Anti Theft Feature
- Grand Rapids, MI Auto Insurance Company Reviews
Grand Rapids, MI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Grand Rapids, MI with that of other cities in and around Grand Rapids.
| Grand Rapids | Comstock Park | Walker | Wyoming | Northview | East Grand Rapids | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,842 | $2,736 | $2,790 | $1,866 | $2,781 | $1,785 |
Grand Rapids, MI Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Grand Rapids, MI based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Grand Rapids | $1,860 | $1,571 |
| East Grand Rapids | $2,674 | $2,259 |
| Grand Rapids charter | $1,780 | $1,503 |
| Wyoming | $989 | $835 |
| Walker | $2,207 | $1,864 |
| Comstock Park | $1,503 | $1,269 |
| Kentwood | $1,345 | $1,136 |
| Northview | $1,317 | $1,113 |
Grand Rapids, MI Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Grand Rapids, MI usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $5,977 |
| 20 Years | $2,367 |
| 30 Years | $1,823 |
| 40 Years | $1,754 |
| 50 Years | $1,624 |
| 60 Years | $1,647 |
| 70 Years | $1,917 |
Grand Rapids, MI Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Grand Rapids, MI can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $3,131 | $553 |
| 3 Vehicles | $4,697 | $829 |
| 4 Vehicles | $6,263 | $1,105 |
Savings on 2 Vehicles bundle:$553
Savings on 3 Vehicles bundle:$829
Savings on 4 Vehicles bundle:$1,105
Grand Rapids, MI Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Grand Rapids, MI.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Grand Rapids | $1,842 | $4,589 |
| East Grand Rapids | $1,785 | $4,447 |
| Grand Rapids charter | $2,965 | $7,386 |
| Wyoming | $1,866 | $4,649 |
| Walker | $2,790 | $6,950 |
| Comstock Park | $2,736 | $6,816 |
| Kentwood | $1,780 | $4,434 |
| Northview | $2,781 | $6,928 |
Grand Rapids, MI Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,580 |
| Excellent (740-799) | $1,804 |
| Good (670-739) | $1,919 |
| Average (580-669) | $2,504 |
| Poor (300-579) | $3,005 |
Grand Rapids, MI Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Dalessandro Agency Inc | Nationwide | 1500 44th St SE, Kentwood, 49508-5013 | (616) 406-3200 |
| Luke Bagnall | State Farm | 1277 36th St SW, Wyoming, 49509-3469 | 616-534-8608 |
| Brett Younce | State Farm | 430 68th St SW Ste 3, Grand Rapids, 49548-7968 | 616-455-7060 |
| Brent Wilfong | Liberty Mutual | 4362 Cascade Dr. Se Suite 110, Grand Rapids, 49546 | 1-616-455-1700 |
| Dawn Millsap Hafner | Liberty Mutual | 4362 Cascade Dr. Se Suite 110, Grand Rapids, 49546 | 1-616-455-1700 |
| Dawn Millsap Hafner | Liberty Mutual | 4362 Cascade Dr. Se Suite 110, Grand Rapids, 49546 | 1-616-455-1700 |
| Collins & Associates | Liberty Mutual Independent | 5075 CASCADE RD SE, GRAND RAPIDS, 49546 | (616) 942-0957 |
| John Kozlowski | Allstate | 6101 Kalamazoo Ave SE Ste B, Kentwood, 49508 | (616) 828-0800 |
| Warsen Insurance Agency Inc | None | 6700 S Division Ave , Grand Rapids, 49548 | None |
| Gord Kerr | State Farm | 4310 Leonard St NW Ste 101, Grand Rapids, 49534-8447 | 616-453-5415 |
| Arthur J Gallagher & Co Ins Brokers Of Ca Inc | Travelers | 3455 EAST PARIS AVE, GRAND RAPIDS, 49512 | 616-975-3501 |
| Arthur J Gallagher & Co Ins Brokers Of Ca Inc | Travelers | 3455 EAST PARIS AVE, GRAND RAPIDS, 49512 | 616-975-3501 |
| Clow & Associates | None | 6724 Highmeadow Dr Sw , Byron Center, 49315 | None |
Grand Rapids, MI Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$81 | $1,923 |
| Driver's Failure In Showing Documents | +$179 | $2,021 |
| Driving With An Expired Registration | +$190 | $2,032 |
| Driving At A Considerably Slow Pace | +$400 | $2,242 |
| Using A Cellphone While Driving | +$422 | $2,264 |
| Running A Red Light | +$429 | $2,271 |
| Speeding | +$451 | $2,293 |
| Driving A Vehicle Without The Required Permission | +$573 | $2,415 |
| Driving With An Expired/Suspended License | +$1,242 | $3,084 |
Grand Rapids, MI Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,768 |
| Active Disabling Device | $1,768 |
| Tracking Device | $1,731 |
| Passive Disabling Device | $1,713 |
Latest Auto Insurance Reviews in Grand Rapids, MI | Back to Top
State FarmAs with our home insurance, the accident premiums and deductibles have always been unbelievably fair and concise for our needs. They are the best across the board.
Frankenmuth InsuranceOur car insurance seems to be in line with the rest. I don't think they offer anything out of the ordinary, but they are also not lacking other things that other car insurance companies offer either.
Farmer's InsuranceThey don't seem to know what is going on, every time I have to call the office staff is rude and uninformed. Also why I have to pay 5 dollars a month extra to pay my bill online though the bank.
Grange InsuranceGrange has a full comprehensive list of policy offerings to suit you and where you are in life. They will even give you advice to help save money on your premiums.
AllstateGood customer service, I haven't had to file a claim yet, but calling them to have my proof of insurance card mailed was easy and pleasant.
Grange InsuranceMy deductible options were the same for this company as with anyother. But the have the best pricing I have been able to see.I get the same coverage I have always had.
Liberty MutualLiberty Mutual has been a blessing once again. When I have needed roadside assistance or even when I made claim they were lovely.
Liberty MutualLiberty Mutual has been a blessing once again. When I have needed roadside assistance or even when I made claim they were lovely.
Progressivethe premium for full coverage is way cheaper and has same qualities as other insurance companies.
ProgressiveI don't like they plans they offer, it's either get the cheap almost no coverage or spend a pretty penny for something you may or may not need later on.
Horace MannThe accessibility of my insurance company for any sorts of problems is actually also very great. Most of the important actions that I might need to do can be done through my cell phone.
Alfa InsuranceWhat I like is that they are really flexible, they respond quickly and easily. My dislike you can't speak with the same agent.
Farmer's InsuranceThey offer full coverage for the best possible price in my area
AllstateAllstate has always had very friendly, prompt customer service. I speak highly of them mostly because of my personal Allstate agent. He has been an agent for over 30 years and is very friendly and offers suggestions whenever possible. I sent him an email asking questions and he even called me on his day off to let me know that he got the email and offered help over the phone. Allstate truly seems to be invested in its customers.