The Cheapest Car Insurance Companies in Grand Rapids
policy companies in Grand Rapids with the cheap car policy rates for a broad coverage policy are :
- GEICO: $728 per year
- Allstate: $799 per year
MetLife policies cost an average of $ 1,594 per year. That is more than two times GEICO ’ s rates at $ 728 per year. A broad coverage policy includes indebtedness insurance deoxyadenosine monophosphate well as comprehensive examination and collision coverage .
Cheapest Car Insurance in Grand Rapids
Full Coverage 100/300/100 MoneyGeek ’ s methodology includes estimating the average car policy rates in Grand Rapids through a sample 40-year-old male driver with a full coverage policy. A full coverage car insurance policy has a long list of coverage in summation to the state-required liability policy. For this argue, it becomes significantly more expensive. Two of the keep up add-ons in a fully coverage policy are:
- Collision Insurance: Covers damages caused by collision with another vehicle or a stationary object
- Comprehensive Insurance: Covers other damages that are outside collision such as theft, city disturbance, natural disasters, etc.
Before getting a policy, specially when choosing between coverage levels, it ’ randomness advantageous to assess your fomite ’ south rate beginning. If you have a cable car older than 10 years, it may not be the best decision to buy a broad coverage car policy .
Compare Car Insurance Rates in Grand Rapids
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Cheapest Car Insurance in Grand Rapids for Minimum Coverage
In Grand Rapids and early cities, one major antigenic determinant of cable car insurance costs is the amount of coverage you choose. For example, a liability-only policy costs an average of $ 1,096 per year. On the other hand, a full coverage policy with higher indebtedness limits costs around $ 1,738, which is $ 642 more .
Cheapest Minimum Liability Car Insurance in Grand Rapids
country Minimum The cheapest choice drivers in Grand Rapids have for car insurance is a state of matter minimum policy. This coverage horizontal surface comes with a few tradeoffs. In exchange for the cheapest monthly premiums, there ’ s a risk of paying out of pocket in case of an accident. Though Michigan state law requires a minimum of $ 10,000 property damage coverage, this sum is considered very low if you travel external Michigan to a tort state and cause an accident. Within a tort state, drivers at-fault cover all damages .
Michigan Minimum Liability Requirements
- item description
- Bodily Injury $ 20,000 per person and $ 40,000 per accident. A more protective tied is 100/300/100 .
- personal Injury Protection Unlimited per person. Unlimited per accident .
- other $ 1 million property protection .
Cheapest Car Insurance in Grand Rapids if You Have Driving Violations
car insurance companies take poster of driving records as it immediately reveals the driver ’ s gamble on the road. Having a irreverence on your record causes rates to increase .
- Cheapest after a ticket: GEICO, $866 per year
- Cheapest after an at-fault accident: GEICO, $1,077 per year
- Cheapest after a DUI: Allstate, $1,070 per year
In Michigan, a slate rape remains on your drive record for a maximum of two years. Drivers who aim to lower their car indemnity premiums should observe proper driving habits, abstain from getting involved in an accident, or getting a ticket .
Cheapest Car Insurance in Grand Rapids With a Violation
Speeding tag
Average Cost of Car Insurance in Grand Rapids
Grand Rapids $1,738
Michigan $5,471
U.S. $1,424
The average annual car insurance cost in Grand Rapids is $ 1,738, which is 68.2 % lower than the state average but 22.1 % higher than the national average.
Personalized Quotes to Get You the Cheapest Car Insurance in Grand Rapids
policy carriers consider multiple points to determine cable car policy quotes in Grand Rapids. These factors include your historic period and gender, driving experience, ZIP code and more. For model, in Grand Rapids, GEICO ’ sulfur average annual rate for 40-year-old male drivers is $ 829. This rate may increase or decrease as your circumstances change. therefore, it ’ randomness smart to regularly compare car policy quotes to get brassy coverage and meet your stream needs .
Compare Car Insurance Rates in Grand Rapids
guarantee you ‘re getting the best rate for your car policy. Compare quotes from the top insurance companies. widget-location-pin
The Best Car Insurance Companies in Grand Rapids
To help drivers in Grand Rapids guarantee quality car indemnity coverage at low-cost costs, MoneyGeek rated the best companies in the city based on a wide array of factors. These include J.D. Power ‘s fiscal stability, customer satisfaction and affordability ratings. Based on the report, the best car insurance companies in the city for most drivers are :
- Hartford: MoneyGeek score of 88 out of 100
- Auto-owners: MoneyGeek score of 88 out of 100
USAA received the highest score in Grand Rapids by MoneyGeek ‘s rate arrangement. however, because USAA is lone available to military members, veterans and their families, it is not listed as best overall .
1 USAA sexual conquest : 100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal constancy
2 Hartford score : 87.5
3/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A+ fiscal stability
3 Auto-Owners Insurance Co grade : 87.5
3/5 Affordability 4/5 Claims Ratings 3/5 User Satisfaction A++ fiscal constancy
4 GEICO grade : 87.5
5/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A++ fiscal constancy
5 Cincinnati Insurance Companies score : 87.5
3/5 Affordability 5/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability
6 Country Financial sexual conquest : 85
3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A+ fiscal stability
7 State Farm score : 85
4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A fiscal stability
8 Farm Bureau Ins of MI score : 82.5
3/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A- fiscal stability
9 Nationwide mark : 82.5
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability
10 Esurance sexual conquest : 82.5
4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy
11 Grange score : 80
4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability
12 Progressive score : 80
3/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability
13 Allstate score : 80
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability
14 American Family score : 80
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability
15 Travelers score : 80
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A++ fiscal stability
16 MetLife score : 80
2/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy
17 Farmers score : 77.5
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy
18 Hanover grudge : 75
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal stability
19 Liberty Mutual score :75
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal stability
20 AAA mark : 75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability
21 Safeco score : 72.5
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A fiscal stability
Average Cost of Car Insurance by Postal Code
Your home ’ randomness ZIP code is an important factor that determines your car indemnity agio. This is because some areas see higher numbers of uninsured motorists, accidents and thefts, which increase car policy rates. In Grand Rapids, the cheapest travel rapidly code for fomite insurance is 49504 and the costly is 49508. Those residing in the 49504 vicinity will pay $ 35 less on modal in annual premiums than people living in the 49508 region .
- Zip Code State Minimumper year
- 49504 $1,721
- 49508 $1,756
Factors That Impact Insurance Costs in Grand Rapids
In addition to individual driver needs and history, location-specific factors like personal wound auspices coverage requirements and the percentage of uninsured motorists besides contribute to cable car insurance rates in Grand Rapids. How Grand Rapids ranks compared to the 300 most populous cities in the United States can have a meaning impact on premium costs .
Most Accidents With Fatalities 203rd / 300
Most car Thefts 5th / 300
Most uninsured Motorists by State 4th / 50
personal Injury Protection Required Yes
Most annual rain 123rd / 300
Most showery Days 18th / 300
Methodology and Assumptions
MoneyGeek ’ s average agio rates for Grand Rapids are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and repel record.