Grand Rapids Auto Insurance Rates, Quotes, Agents & Reviews in MI

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.

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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 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 Farm
As 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 Insurance
Our 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 Insurance
They 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 Insurance
Grange 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.
Allstate
Good 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 Insurance
My 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 Mutual
Liberty Mutual has been a blessing once again. When I have needed roadside assistance or even when I made claim they were lovely.
Liberty Mutual
Liberty Mutual has been a blessing once again. When I have needed roadside assistance or even when I made claim they were lovely.
Progressive
the premium for full coverage is way cheaper and has same qualities as other insurance companies.
Progressive
I 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 Mann
The 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 Insurance
What 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 Insurance
They offer full coverage for the best possible price in my area
Allstate
Allstate 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.