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Grand Rapids, MI auto insurance will be higher than average, mainly due to the fact that Michigan auto insurance is the most expensive in the country.
However, that doesn’t mean that you can’t find affordable Grand Rapids, MI auto insurance. Shop around to find cheap auto insurance near you.
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Find more info about the monthly Grand Rapids, MI car insurance rates by ZIP Code below:
Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Grand Rapids, MI against other top US metro areas’ auto insurance rates.
Enter your ZIP code now to compare Grand Rapids, MI auto insurance quotes.
Although the cheapest Grand Rapids, MI auto insurance company is actually USAA, its insurance is only available to the military, veterans, and family members.
Out of the companies that are available to everyone, Nationwide offers the lowest auto insurance in Grand Rapids, MI based on average rates.
The cheapest Grand Rapids, MI auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Michigan auto insurance company rates?” We cover that as well.
The top auto insurance companies in Grand Rapids are:
Allstate is by far the most expensive auto insurance company in Grand Rapids, MI. It is around seven times more expensive than USAA and five times higher than Nationwide.
Many different factors affect your auto insurance rates, including age, gender, marital status, where you live, your driving record, and your credit score.
Your rates will vary based on those factors. However, you can lower your auto insurance rates by shopping around, comparing quotes, and asking for any available discounts.
Grand Rapids, Michigan auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.
Your coverage level will play a significant role in your Grand Rapids, MI auto insurance rates. Find the cheapest Grand Rapids, Michigan auto insurance rates by coverage level below:
Your credit score will play a major role in your Grand Rapids, MI auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Grand Rapids, Michigan auto insurance rates by credit score below.
Your driving record will affect your Grand Rapids auto insurance rates. For example, a Grand Rapids, Michigan DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Grand Rapids, MI auto insurance rates by driving record.
Factors affecting auto insurance rates in Grand Rapids, MI may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Grand Rapids, Michigan auto insurance.
These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Grand Rapids. Michigan does not use gender, so check out the average monthly auto insurance rates by age and gender in Grand Rapids, MI.
Almost every state has a minimum amount of auto insurance that is required to drive legally.
In Michigan, you must carry at least:
Drivers who fail to carry the minimum auto insurance required can face fines, driver’s license suspension, and possible jail time.
Grand Rapids is the second-largest city in Michigan, which means lots of drivers on the roads. More drivers can equal a greater chance of being in an accident, which drives auto insurance rates up.
INRIX ranks Grand Rapids as the 72nd most congested city in the U.S. and estimates that drivers spent 21 hours sitting in traffic in 2019.
However, the average commute time is less than 25 minutes, according to City-Data. There is public transportation available but an overwhelming majority of people prefer to drive alone in Grand Rapids.
Auto theft is another factor that can raise insurance rates. According to the FBI, there were 363 vehicle thefts in Grand Rapids, MI.
Michigan has the highest auto insurance rates in the country, but Grand Rapids isn’t the most expensive city in the state. This means that while drivers in Grand Rapids, MI will be paying above average auto insurance, they won’t be paying the highest in the state.
Before you buy Grand Rapids, MI auto insurance, get quotes from multiple companies to find the best deal. Enter your ZIP code now to compare Grand Rapids, MI auto insurance rates.