- Grand Rapids car insurance rates average $2,272 per year for full coverage, or approximately $189 on a monthly basis.
- Auto insurance rates for a few popular models in Grand Rapids include the Nissan Altima at $205 per month, Honda Accord at $183, and Ram Truck at $219.
- Models like the Chevrolet Trailblazer, Hyundai Venue, and Subaru Crosstrek have top rankings for cheap car insurance in Grand Rapids.
What is average car insurance cost in Grand Rapids?
In Grand Rapids, average auto insurance cost is $2,272 per year, which is 2.3% more than the overall U.S. national average rate of $2,221. Per month, Grand Rapids drivers can expect to pay an average of $189 for full coverage.
In the state of Michigan, average auto insurance cost is $2,858 per year, so the average cost in Grand Rapids is $586 less per year. The cost of auto insurance in Grand Rapids compared to other Michigan cities is $1,096 per year less than in Warren, $896 per year less than in Sterling Heights, and $134 per year less than in Lansing.
The age of the rated driver is probably the number one factor that determines the cost of car insurance, so the list below details how age impacts cost by breaking out average car insurance rates in Grand Rapids for drivers from 16 to 60.
Grand Rapids, MI, car insurance cost by driver age
- 16-year-old driver – $8,091 per year or $674 per month
- 17-year-old driver – $7,838 per year or $653 per month
- 18-year-old driver – $7,026 per year or $586 per month
- 19-year-old driver – $6,398 per year or $533 per month
- 20-year-old driver – $4,574 per year or $381 per month
- 30-year-old driver – $2,424 per year or $202 per month
- 40-year-old driver – $2,272 per year or $189 per month
- 50-year-old driver – $2,018 per year or $168 per month
- 60-year-old driver – $1,888 per year or $157 per month
The next chart shows examples of average Grand Rapids car insurance cost broken out based on a variety of driver ages, policy deductibles, and policy risk factors. Rates are averaged for all 2024 model year vehicles including luxury vehicles.

Average car insurance rates in the prior chart range from $1,890 per year for a 40-year-old driver with a great rate thanks to policy discounts to $5,222 per year for a 30-year-old driver with too many violations and accidents.
When the average rates are converted to monthly figures, the average cost of car insurance per month in Grand Rapids ranges from $158 to $435.
The cost to insure Grand Rapids drivers’ favorite vehicles
The auto insurance costs referenced previously are averaged for every 2024 model year vehicle, which is helpful when making general comparisons like the average cost difference between two Michigan cities. But for more useful car insurance comparisons, we need to look at the specific model of vehicle being insured.
In the next few article sections, we get into both rates by vehicle segment and rates for specific models, but for now, we will explore just a few popular models to find out how auto insurance rates compare in Grand Rapids.
The chart below shows average auto insurance rates in Grand Rapids for a handful of the more popular vehicles. At the end of this article, we will explore additional factors that affect the cost of insuring some of these vehicles in much more detail.

The vehicle models that are popular in Grand Rapids tend to be compact and midsize cars like the Honda Civic, Hyundai Elantra, and Honda Accord and compact or midsize SUVs like the Toyota RAV4 and Ford Explorer.
A few additional popular vehicles in Grand Rapids from different automotive segments include luxury models like the BMW 530i, Cadillac XT5, and Lexus RX 350 and sports cars like the Nissan GT-R, Ford Mustang, and Audi TT.
We will get into different rates in much more detail a little farther in this article, but before we get into those numbers, let’s look at some of the general concepts that we covered in this first section.
- Grand Rapids, MI, car insurance cost is more than the U.S. average – $2,272 (Grand Rapids average) versus $2,221 (U.S. average)
- Teen female drivers pay cheaper rates than teen males – Teen females (age 16 to 19) pay $988 to $531 less annually than their male counterparts.
- Auto insurance gets more affordable as you get older – Average car insurance rates for a 60-year-old driver in Grand Rapids are $2,686 per year cheaper than for a 20-year-old driver.
- Insuring a teenager costs a lot – Rates can range from $5,410 to $8,091 per year for insurance on a teen driver in Grand Rapids.
- Grand Rapids auto insurance rates are cheaper than the Michigan state average – $2,272 (Grand Rapids average) versus $2,858 (Michigan average)
- Car insurance rates fall considerably in your twenties – The average 30-year-old Grand Rapids, Michigan, driver will pay $2,150 less annually than a 20-year-old driver, $2,424 compared to $4,574.
Which autos have the cheapest car insurance?
When comparing rates for all models, the vehicles with the most affordable car insurance quotes in Grand Rapids, MI, tend to be compact SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, Buick Envision, and Nissan Kicks.
Average insurance prices for those crossover SUVs cost $1,844 or less per year, or $154 per month, for a full coverage policy.
Some additional models that rank towards the top in the cost comparison table are the Buick Encore, Acura RDX, Honda HR-V, and Volkswagen Taos. The average cost is a little bit more for those models than the crossovers and small SUVs that rank near the top, but they still have average rates of $1,978 or less per year.
The next table details the vehicles with the cheapest overall insurance rates in Grand Rapids, ordered by annual cost.
Rank | Make/Model | Annual Premium | Cost Per Month |
---|---|---|---|
1 | Subaru Crosstrek | $1,678 | $140 |
2 | Chevrolet Trailblazer | $1,708 | $142 |
3 | Kia Soul | $1,776 | $148 |
4 | Nissan Kicks | $1,788 | $149 |
5 | Honda Passport | $1,812 | $151 |
6 | Buick Envision | $1,822 | $152 |
7 | Toyota Corolla Cross | $1,832 | $153 |
8 | Hyundai Venue | $1,844 | $154 |
9 | Mazda CX-5 | $1,854 | $155 |
10 | Ford Bronco Sport | $1,862 | $155 |
11 | Volkswagen Tiguan | $1,882 | $157 |
12 | Acura RDX | $1,902 | $159 |
13 | Nissan Murano | $1,912 | $159 |
14 | Buick Encore | $1,932 | $161 |
15 | Subaru Outback | $1,936 | $161 |
16 | Honda CR-V | $1,940 | $162 |
17 | Buick Envista | $1,944 | $162 |
18 | Volkswagen Taos | $1,946 | $162 |
19 | Kia Niro | $1,958 | $163 |
20 | Toyota GR Corolla | $1,974 | $165 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Grand Rapids, MI Zip Codes. Updated June 26, 2025
The above table containing 20 ranked vehicles doesn’t really provide a detailed summary of the cost of auto insurance. A more useful way to analyze car insurance rates in an organized fashion is to organize them by segment. The six sections below list the vehicles with the most affordable car insurance rates in Grand Rapids for each of the primary segments.
Cheapest cars to insure in Grand Rapids
The four top-ranked non-luxury two and four door cars with the most affordable insurance rates in Grand Rapids are the Toyota GR Corolla at $1,974 per year, Nissan Leaf at $1,992 per year, Honda Civic at $2,012 per year, and Nissan Sentra at $2,080 per year.
Additional models that have affordable insurance rates include the Honda Accord, Toyota Corolla, Kia K5, and Toyota Prius, with an average cost of $2,212 per year or less.
Ranked lower than 10th place, but still in the top 20, models like the Volkswagen Jetta, Kia Forte, Hyundai Ioniq 6, Hyundai Sonata, and Mazda 3 average between $2,212 and $2,350 per year for auto insurance.
Full-coverage insurance in Grand Rapids for this segment for a good driver will start around $165 per month, depending on the company.
The comparison table below ranks the cars with the cheapest car insurance rates in Grand Rapids.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Toyota GR Corolla | Compact | $1,974 | $165 |
Nissan Leaf | Compact | $1,992 | $166 |
Honda Civic | Compact | $2,012 | $168 |
Nissan Sentra | Compact | $2,080 | $173 |
Subaru Impreza | Compact | $2,088 | $174 |
Toyota Prius | Compact | $2,124 | $177 |
Kia K5 | Midsize | $2,190 | $183 |
Honda Accord | Midsize | $2,196 | $183 |
Chevrolet Malibu | Midsize | $2,204 | $184 |
Toyota Corolla | Compact | $2,212 | $184 |
Kia Forte | Compact | $2,216 | $185 |
Volkswagen Arteon | Midsize | $2,234 | $186 |
Nissan Versa | Compact | $2,240 | $187 |
Subaru Legacy | Midsize | $2,244 | $187 |
Hyundai Ioniq 6 | Midsize | $2,262 | $189 |
Mitsubishi Mirage G4 | Compact | $2,294 | $191 |
Volkswagen Jetta | Compact | $2,296 | $191 |
Toyota Crown | Midsize | $2,300 | $192 |
Hyundai Sonata | Midsize | $2,306 | $192 |
Mazda 3 | Compact | $2,350 | $196 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Grand Rapids, MI Zip Codes. Updated June 27, 2025
For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Don’t see rates for your vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Grand Rapids car insurance quotes from top-rated companies in Michigan.
Cheapest SUVs to insure in Grand Rapids
Ranking highest for the most affordable Grand Rapids car insurance rates in the non-luxury SUV segment are the Chevrolet Trailblazer, Subaru Crosstrek, Nissan Kicks, Honda Passport, and Kia Soul. Car insurance quotes for these 2024 models average $1,812 or less per year.
Not the cheapest to insure, but still ranked well, are SUVs like the Toyota Corolla Cross, Buick Envision, Ford Bronco Sport, and Hyundai Venue, with average annual insurance rates of $1,862 per year or less.
Car insurance rates in this segment for a safe driver starts at around $140 per month, depending on your location.
When vehicle size is considered, the cheapest non-luxury compact SUV to insure in Grand Rapids is the Subaru Crosstrek at $1,678 per year, or $140 per month. For midsize models, the Honda Passport has the best rates at $1,812 per year, or $151 per month. And for full-size SUVs, the Chevrolet Tahoe has the cheapest rates at $2,136 per year, or $178 per month.
The comparison table below ranks the SUVs with the most affordable insurance rates in Grand Rapids, starting with the Subaru Crosstrek at $1,678 per year and ending with the Subaru Ascent at $1,980 per year.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Subaru Crosstrek | Compact | $1,678 | $140 |
Chevrolet Trailblazer | Compact | $1,708 | $142 |
Kia Soul | Compact | $1,776 | $148 |
Nissan Kicks | Compact | $1,788 | $149 |
Honda Passport | Midsize | $1,812 | $151 |
Buick Envision | Compact | $1,822 | $152 |
Toyota Corolla Cross | Compact | $1,832 | $153 |
Hyundai Venue | Compact | $1,844 | $154 |
Mazda CX-5 | Compact | $1,854 | $155 |
Ford Bronco Sport | Compact | $1,862 | $155 |
Volkswagen Tiguan | Compact | $1,882 | $157 |
Nissan Murano | Midsize | $1,912 | $159 |
Buick Encore | Compact | $1,932 | $161 |
Subaru Outback | Midsize | $1,936 | $161 |
Honda CR-V | Compact | $1,940 | $162 |
Buick Envista | Midsize | $1,944 | $162 |
Volkswagen Taos | Compact | $1,946 | $162 |
Kia Niro | Compact | $1,958 | $163 |
Honda HR-V | Compact | $1,978 | $165 |
Subaru Ascent | Midsize | $1,980 | $165 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Grand Rapids, MI Zip Codes. Updated June 26, 2025
For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.
Don’t see your SUV in the list? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Grand Rapids car insurance quotes from top car insurance companies in Michigan.
Cheapest pickup truck insurance rates
The four cheapest pickups to insure in Grand Rapids are the Chevrolet Colorado at $2,002 per year, Nissan Titan at $2,128 per year, Nissan Frontier at $2,148 per year, and Ford Ranger at $2,172 per year.
Rounding out the top 10 are models like the GMC Sierra 2500 HD, Honda Ridgeline, Hyundai Santa Cruz, and Toyota Tacoma, with average cost of $2,338 per year or less.
From a cost per month standpoint, full-coverage auto insurance in Grand Rapids on this segment will start around $167 per month, depending on the company and where you live. The rate comparison table below ranks the pickups with the most affordable car insurance rates in Grand Rapids, starting with the Chevrolet Colorado at $167 per month and ending with the Ram Truck at $219 per month.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Chevrolet Colorado | Midsize | $2,002 | $167 |
Nissan Titan | Full-size | $2,128 | $177 |
Nissan Frontier | Midsize | $2,148 | $179 |
Ford Ranger | Midsize | $2,172 | $181 |
Ford Maverick | Midsize | $2,204 | $184 |
Honda Ridgeline | Midsize | $2,256 | $188 |
Hyundai Santa Cruz | Midsize | $2,294 | $191 |
Toyota Tacoma | Midsize | $2,300 | $192 |
GMC Sierra 2500 HD | Heavy Duty | $2,310 | $193 |
GMC Canyon | Midsize | $2,338 | $195 |
Jeep Gladiator | Midsize | $2,392 | $199 |
GMC Sierra 3500 | Heavy Duty | $2,408 | $201 |
Chevrolet Silverado HD 3500 | Heavy Duty | $2,428 | $202 |
Chevrolet Silverado HD 2500 | Heavy Duty | $2,492 | $208 |
GMC Sierra | Full-size | $2,510 | $209 |
Chevrolet Silverado | Full-size | $2,512 | $209 |
Nissan Titan XD | Heavy Duty | $2,514 | $210 |
Ford F150 | Full-size | $2,542 | $212 |
GMC Hummer EV Pickup | Full-size | $2,608 | $217 |
Ram Truck | Full-size | $2,628 | $219 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Grand Rapids, MI Zip Codes. Updated June 27, 2025
For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.
Need rates for a different pickup model? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Grand Rapids car insurance quotes from top-rated companies in Michigan.
Cheapest sports cars to insure in Grand Rapids
The top five models for the lowest-cost Grand Rapids car insurance rates in the sports car segment are the Toyota GR86, Mazda MX-5 Miata, BMW Z4, Subaru WRX, and Ford Mustang. Car insurance quotes for these models average $2,548 or less per year, or around $212 per month.
Other cars that have good average insurance rates include the Lexus RC F, BMW M2, Nissan Z, and Toyota GR Supra, with average insurance cost of $2,716 per year or less.
As a cost per month, car insurance rates in Grand Rapids on this segment for an average middle-age driver starts at an average of $175 per month, depending on where you live.
The comparison table below ranks the sports cars with the cheapest average auto insurance rates in Grand Rapids, starting with the Mazda MX-5 Miata at $175 per month and ending with the Porsche Taycan at $321 per month.
Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
---|---|---|---|
Mazda MX-5 Miata | Sports Car | $2,104 | $175 |
Toyota GR86 | Sports Car | $2,396 | $200 |
Ford Mustang | Sports Car | $2,496 | $208 |
BMW Z4 | Sports Car | $2,512 | $209 |
Subaru WRX | Sports Car | $2,548 | $212 |
Toyota GR Supra | Sports Car | $2,552 | $213 |
BMW M2 | Sports Car | $2,626 | $219 |
Nissan Z | Sports Car | $2,634 | $220 |
Lexus RC F | Sports Car | $2,688 | $224 |
Subaru BRZ | Sports Car | $2,716 | $226 |
BMW M3 | Sports Car | $2,872 | $239 |
Porsche 718 | Sports Car | $2,926 | $244 |
Chevrolet Camaro | Sports Car | $2,954 | $246 |
Chevrolet Corvette | Sports Car | $3,148 | $262 |
Porsche 911 | Sports Car | $3,256 | $271 |
BMW M4 | Sports Car | $3,394 | $283 |
Lexus LC 500 | Sports Car | $3,408 | $284 |
Jaguar F-Type | Sports Car | $3,586 | $299 |
Mercedes-Benz AMG GT53 | Sports Car | $3,764 | $314 |
Porsche Taycan | Sports Car | $3,850 | $321 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Grand Rapids, MI Zip Codes. Updated June 26, 2025
Don’t see your sports car in the list? Not a problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Grand Rapids.
Cheapest luxury cars to insure in Grand Rapids
The four most affordable luxury cars to insure in Grand Rapids are the Acura Integra at $2,024 per year, BMW 330i at $2,314 per year, Mercedes-Benz CLA250 at $2,340 per year, and Lexus IS 300 at $2,344 per year.
Additional models that have affordable insurance rates are the Lexus ES 350, Genesis G70, Lexus RC 300, and Cadillac CT4, with an average cost of $2,390 per year or less.
In the bottom half of the top 20, models like the Lexus ES 300h, Cadillac CT5, Audi S3, Lexus IS 350, Jaguar XF, and BMW 228i average between $2,390 and $2,550 per year for auto insurance in Grand Rapids.
On a monthly basis, auto insurance in Grand Rapids on this segment for an average middle-age driver starts at an average of $169 per month, depending on where you live and the company you use.
The comparison table below ranks the luxury cars with the most affordable average car insurance rates in Grand Rapids, starting with the Acura Integra at $2,024 per year and ending with the Audi S3 at $2,550 per year.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura Integra | Compact | $2,024 | $169 |
BMW 330i | Compact | $2,314 | $193 |
Mercedes-Benz CLA250 | Midsize | $2,340 | $195 |
Lexus IS 300 | Midsize | $2,344 | $195 |
Acura TLX | Compact | $2,354 | $196 |
Cadillac CT4 | Compact | $2,374 | $198 |
Lexus ES 350 | Midsize | $2,374 | $198 |
Genesis G70 | Compact | $2,382 | $199 |
Mercedes-Benz AMG CLA35 | Midsize | $2,384 | $199 |
Lexus RC 300 | Midsize | $2,390 | $199 |
Lexus IS 350 | Compact | $2,400 | $200 |
Jaguar XF | Midsize | $2,406 | $201 |
Cadillac CT5 | Midsize | $2,450 | $204 |
Lexus ES 250 | Midsize | $2,460 | $205 |
Lexus RC 350 | Compact | $2,466 | $206 |
BMW 330e | Compact | $2,468 | $206 |
BMW 228i | Compact | $2,474 | $206 |
BMW 230i | Compact | $2,490 | $208 |
Lexus ES 300h | Midsize | $2,496 | $208 |
Audi S3 | Compact | $2,550 | $213 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Grand Rapids, MI Zip Codes. Updated June 26, 2025
See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.
Looking for rates for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Michigan.
Cheapest luxury SUVs to insure in Grand Rapids, MI
Ranking in the top five for the cheapest Grand Rapids auto insurance rates in the luxury SUV segment are the Jaguar E-Pace, Cadillac XT4, Lexus NX 250, Acura RDX, and Cadillac XT5. Auto insurance rates for these models average $2,146 or less per year.
Additional models that are affordable to insure are the Lexus NX 350h, Lincoln Corsair, Lexus UX 250h, and Mercedes-Benz GLB 250, with average cost of $2,192 per year or less.
Additional luxury SUVs on the list include the Mercedes-Benz AMG GLB35, Land Rover Evoque, Mercedes-Benz GLA250, and Mercedes-Benz GLA35 AMG, which cost between $2,192 and $2,280 per year to insure in Grand Rapids.
On a monthly basis, car insurance rates on this segment in Grand Rapids for a middle-age safe driver can cost as low as $159 per month, depending on the company and your location. The comparison table below ranks the luxury SUVs with the cheapest average auto insurance rates in Grand Rapids, starting with the Acura RDX at $1,902 per year and ending with the Lexus RX 350 at $2,280 per year.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura RDX | Compact | $1,902 | $159 |
Lexus NX 250 | Compact | $2,012 | $168 |
Cadillac XT4 | Compact | $2,054 | $171 |
Jaguar E-Pace | Midsize | $2,126 | $177 |
Cadillac XT5 | Midsize | $2,146 | $179 |
Lexus NX 350h | Compact | $2,146 | $179 |
Lincoln Corsair | Compact | $2,174 | $181 |
Mercedes-Benz GLB 250 | Compact | $2,178 | $182 |
Lexus UX 250h | Compact | $2,180 | $182 |
Lexus NX 450h | Compact | $2,192 | $183 |
Infiniti QX50 | Midsize | $2,210 | $184 |
Mercedes-Benz GLA250 | Compact | $2,216 | $185 |
Cadillac XT6 | Midsize | $2,224 | $185 |
Mercedes-Benz GLA35 AMG | Compact | $2,224 | $185 |
Infiniti QX60 | Midsize | $2,236 | $186 |
Mercedes-Benz AMG GLB35 | Midsize | $2,240 | $187 |
Land Rover Evoque | Compact | $2,270 | $189 |
Acura MDX | Midsize | $2,272 | $189 |
Lexus RX 350 | Midsize | $2,280 | $190 |
Lexus NX 350 | Compact | $2,282 | $190 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Grand Rapids, MI Zip Codes. Updated June 26, 2025
For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.
Don’t see insurance rates for your luxury SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Michigan.
How to save on car insurance in Grand Rapids
Grand Rapids drivers are often looking to save money on insurance So read through the savings concepts below and maybe you’ll be able to save a few dollars on your next renewal or new policy.
- Compare insurance costs before buying a car. Different models, and even different trim levels of the same model, can have significantly different car insurance premiums, and auto insurance companies can sell coverages with very different rates. Check the price before you buy a different car so you can avoid price shock when you see your first insurance bill.
- Polish up your credit rating for lower rates. Insureds with excellent credit scores of 800+ could save around $357 per year compared to a lower credit rating of 670-739. Conversely, a lesser credit score could cost around $414 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Obey driving laws to save money. To get affordable auto insurance in Grand Rapids, it pays to be an excellent driver. Not surprisingly, just a couple of minor infractions have the ramification of increasing auto insurance cost by as much as $604 per year. Major convictions such as reckless driving and leaving the scene of an accident, DUI, or driving on a revoked license could raise rates by an additional $2,110 or more.
- Choose a vehicle with cheaper auto insurance rates. The vehicle you drive has a significant impact on the price you pay for car insurance. For example, a Subaru Outback costs $2,312 less per year to insure in Grand Rapids than a Acura NSX. Lower performance vehicles cost less to insure.
- Qualify for discounts to save money. Discounted rates may be available if the insured drivers are loyal customers, drive a vehicle with safety or anti-theft features, insure their home and car with the same company, are accident-free, or many other discounts which could save the average Grand Rapids driver as much as $382 per year.
- Your profession could save you money. The vast majority of insurance companies offer discounts for working in professions like engineers, scientists, dentists, accountants, nurses, high school and elementary teachers, and others. Obtaining this discount may save between $68 and $221 on your annual car insurance bill.