Grand Rapids Car Insurance Cost for 2025 – Cheapest to Insure in MI

How much will car insurance cost in Grand Rapids? Sit back and find out as we compare the cost to insure over 150 cars, pickup trucks, and SUVs.

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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 Grand Rapids for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Grand Rapids for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Grand Rapids includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Grand Rapids, MI
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,222$435
Safe Driver Age 20$4,574$381
At-fault Accidents Age 40$3,216$268
Low Deductibles Age 40$2,972$248
Safe Driver Age 30$2,424$202
Safe Driver Age 40$2,272$189
Safe Driver Age 50$2,018$168
High Deductibles Age 40$1,912$159
Discount Rate Age 40$1,890$158
Safe Driver Age 60$1,888$157

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 27, 2025

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 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.

Average cost to insure popular 2024 model year vehicles in Grand Rapids.
Figure 2: Average cost to insure popular 2024 model year vehicles in Grand Rapids. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Grand Rapids Zip Codes.

Grand Rapids, MI, Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Honda CR-V$1,940$162
Honda HR-V$1,978$165
Honda Civic$2,012$168
Subaru Forester$2,024$169
Nissan Rogue$2,044$170
Toyota Highlander$2,068$172
Nissan Sentra$2,080$173
Toyota RAV4$2,094$175
Hyundai Tucson$2,114$176
Chevrolet Traverse$2,122$177
Ford Ranger$2,172$181
Honda Accord$2,196$183
Toyota Corolla$2,212$184
Jeep Grand Cherokee$2,274$190
Toyota 4Runner$2,434$203
Toyota Camry$2,442$204
Hyundai Elantra$2,470$206
Ford Mustang$2,496$208
GMC Sierra$2,510$209
Chevrolet Silverado$2,512$209
Ford Bronco$2,522$210
Ford F150$2,542$212
Ram Truck$2,628$219
Chevrolet Corvette$3,148$262

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 for the 2024 model year and also for all Grand Rapids, MI Zip Codes. Updated June 26, 2025

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.

Top 20 Cheapest Car Insurance Rates in Grand Rapids, MI
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,678$140
2Chevrolet Trailblazer$1,708$142
3Kia Soul$1,776$148
4Nissan Kicks$1,788$149
5Honda Passport$1,812$151
6Buick Envision$1,822$152
7Toyota Corolla Cross$1,832$153
8Hyundai Venue$1,844$154
9Mazda CX-5$1,854$155
10Ford Bronco Sport$1,862$155
11Volkswagen Tiguan$1,882$157
12Acura RDX$1,902$159
13Nissan Murano$1,912$159
14Buick Encore$1,932$161
15Subaru Outback$1,936$161
16Honda CR-V$1,940$162
17Buick Envista$1,944$162
18Volkswagen Taos$1,946$162
19Kia Niro$1,958$163
20Toyota 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

Top 20 cheapest vehicles to insure in Grand Rapids, MI with the Subaru Crosstrek ranking first at $1,678 per year
Top 20 cheapest vehicles to insure in Grand Rapids, MI with the Subaru Crosstrek ranking first at $1,678 per year

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.

Cheapest Car Insurance in Grand Rapids, Michigan
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,974$165
Nissan LeafCompact$1,992$166
Honda CivicCompact$2,012$168
Nissan SentraCompact$2,080$173
Subaru ImprezaCompact$2,088$174
Toyota PriusCompact$2,124$177
Kia K5Midsize$2,190$183
Honda AccordMidsize$2,196$183
Chevrolet MalibuMidsize$2,204$184
Toyota CorollaCompact$2,212$184
Kia ForteCompact$2,216$185
Volkswagen ArteonMidsize$2,234$186
Nissan VersaCompact$2,240$187
Subaru LegacyMidsize$2,244$187
Hyundai Ioniq 6Midsize$2,262$189
Mitsubishi Mirage G4Compact$2,294$191
Volkswagen JettaCompact$2,296$191
Toyota CrownMidsize$2,300$192
Hyundai SonataMidsize$2,306$192
Mazda 3Compact$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

Ranking of the cheapest compact, midsize, and large cars to insure in Grand Rapids, MI, with the Toyota GR Corolla ranking first at $1,974 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Grand Rapids, MI, with the Toyota GR Corolla ranking first at $1,974 per year.

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.

Cheapest SUV Insurance in Grand Rapids, Michigan
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,678$140
Chevrolet TrailblazerCompact$1,708$142
Kia SoulCompact$1,776$148
Nissan KicksCompact$1,788$149
Honda PassportMidsize$1,812$151
Buick EnvisionCompact$1,822$152
Toyota Corolla CrossCompact$1,832$153
Hyundai VenueCompact$1,844$154
Mazda CX-5Compact$1,854$155
Ford Bronco SportCompact$1,862$155
Volkswagen TiguanCompact$1,882$157
Nissan MuranoMidsize$1,912$159
Buick EncoreCompact$1,932$161
Subaru OutbackMidsize$1,936$161
Honda CR-VCompact$1,940$162
Buick EnvistaMidsize$1,944$162
Volkswagen TaosCompact$1,946$162
Kia NiroCompact$1,958$163
Honda HR-VCompact$1,978$165
Subaru AscentMidsize$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

Ranking of the cheapest compact, midsize, and large SUVs to insure in Grand Rapids, MI, with the Subaru Crosstrek ranking first at $1,678 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Grand Rapids, MI, with the Subaru Crosstrek ranking first at $1,678 per year.

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.

Cheapest Pickup Insurance in Grand Rapids, Michigan
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,002$167
Nissan TitanFull-size$2,128$177
Nissan FrontierMidsize$2,148$179
Ford RangerMidsize$2,172$181
Ford MaverickMidsize$2,204$184
Honda RidgelineMidsize$2,256$188
Hyundai Santa CruzMidsize$2,294$191
Toyota TacomaMidsize$2,300$192
GMC Sierra 2500 HDHeavy Duty$2,310$193
GMC CanyonMidsize$2,338$195
Jeep GladiatorMidsize$2,392$199
GMC Sierra 3500Heavy Duty$2,408$201
Chevrolet Silverado HD 3500Heavy Duty$2,428$202
Chevrolet Silverado HD 2500Heavy Duty$2,492$208
GMC SierraFull-size$2,510$209
Chevrolet SilveradoFull-size$2,512$209
Nissan Titan XDHeavy Duty$2,514$210
Ford F150Full-size$2,542$212
GMC Hummer EV PickupFull-size$2,608$217
Ram TruckFull-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

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Grand Rapids, MI, with the Chevrolet Colorado ranking first at $2,002 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Grand Rapids, MI, with the Chevrolet Colorado ranking first at $2,002 per year.

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.

Cheapest Sports Car Insurance in Grand Rapids, Michigan
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,104$175
Toyota GR86Sports Car$2,396$200
Ford MustangSports Car$2,496$208
BMW Z4Sports Car$2,512$209
Subaru WRXSports Car$2,548$212
Toyota GR SupraSports Car$2,552$213
BMW M2Sports Car$2,626$219
Nissan ZSports Car$2,634$220
Lexus RC FSports Car$2,688$224
Subaru BRZSports Car$2,716$226
BMW M3Sports Car$2,872$239
Porsche 718Sports Car$2,926$244
Chevrolet CamaroSports Car$2,954$246
Chevrolet CorvetteSports Car$3,148$262
Porsche 911Sports Car$3,256$271
BMW M4Sports Car$3,394$283
Lexus LC 500Sports Car$3,408$284
Jaguar F-TypeSports Car$3,586$299
Mercedes-Benz AMG GT53Sports Car$3,764$314
Porsche TaycanSports 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

Ranking of the cheapest sports cars to insure in Grand Rapids, MI, with the Mazda MX-5 Miata ranking first at $2,104 per year.
Ranking of the cheapest sports cars to insure in Grand Rapids, MI, with the Mazda MX-5 Miata ranking first at $2,104 per year.

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.

Cheapest Luxury Car Insurance in Grand Rapids, Michigan
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,024$169
BMW 330iCompact$2,314$193
Mercedes-Benz CLA250Midsize$2,340$195
Lexus IS 300Midsize$2,344$195
Acura TLXCompact$2,354$196
Cadillac CT4Compact$2,374$198
Lexus ES 350Midsize$2,374$198
Genesis G70Compact$2,382$199
Mercedes-Benz AMG CLA35Midsize$2,384$199
Lexus RC 300Midsize$2,390$199
Lexus IS 350Compact$2,400$200
Jaguar XFMidsize$2,406$201
Cadillac CT5Midsize$2,450$204
Lexus ES 250Midsize$2,460$205
Lexus RC 350Compact$2,466$206
BMW 330eCompact$2,468$206
BMW 228iCompact$2,474$206
BMW 230iCompact$2,490$208
Lexus ES 300hMidsize$2,496$208
Audi S3Compact$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

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Grand Rapids, MI, with the Acura Integra ranking first at $2,024 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Grand Rapids, MI, with the Acura Integra ranking first at $2,024 per year.

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.

Cheapest Luxury SUV Insurance in Grand Rapids, Michigan
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,902$159
Lexus NX 250Compact$2,012$168
Cadillac XT4Compact$2,054$171
Jaguar E-PaceMidsize$2,126$177
Cadillac XT5Midsize$2,146$179
Lexus NX 350hCompact$2,146$179
Lincoln CorsairCompact$2,174$181
Mercedes-Benz GLB 250Compact$2,178$182
Lexus UX 250hCompact$2,180$182
Lexus NX 450hCompact$2,192$183
Infiniti QX50Midsize$2,210$184
Mercedes-Benz GLA250Compact$2,216$185
Cadillac XT6Midsize$2,224$185
Mercedes-Benz GLA35 AMGCompact$2,224$185
Infiniti QX60Midsize$2,236$186
Mercedes-Benz AMG GLB35Midsize$2,240$187
Land Rover EvoqueCompact$2,270$189
Acura MDXMidsize$2,272$189
Lexus RX 350Midsize$2,280$190
Lexus NX 350Compact$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

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Grand Rapids, MI, with the Acura RDX ranking first at $1,902 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Grand Rapids, MI, with the Acura RDX ranking first at $1,902 per year.

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.