Cheapest Auto Insurance in Kalamazoo, Michigan (2026)
USAA has the cheapest car insurance in Kalamazoo, with monthly liability rates as low as $67.
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Janet Berry-JohnsonInsurance Writer, CPA
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Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Danny SmithInsurance Writer
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As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Reviewed byDavid Marlett
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.
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Table of contents
Kalamazoo drivers pay a monthly average of $124 for liability-only coverage, which is close to the state average of $135 but much higher than the national average of $99. Michigan drivers face high rates due to the state’s high percentage of uninsured drivers and its no-fault insurance system.
Kalamazoo rates are cheaper than rates in cities like Flint and Warren but more expensive than rates in Grand Rapids and Lansing, partly due to high crime and vehicle theft rates. Kalamazoo has a crime rate higher than 98.5% of U.S. cities.[1]
Here’s what you should know to find cheap coverage in Kalamazoo, including how to compare car insurance quotes and coverage options.
Quick Facts
USAA, Auto-Owners, and Chubb have the cheapest liability insurance in Kalamazoo.
The average cost of full-coverage insurance in Kalamazoo is $193 per month. For comparison, the statewide average for full-coverage insurance is $211 and the national average is $99 per month.
Insurance companies in Michigan aren’t allowed to use drivers’ credit scores to set auto insurance rates.[2]
3 of the cheapest car insurance companies in Kalamazoo
The best auto insurance company for you depends on your financial situation and insurance needs. The cheapest insurer listed below may not be the best choice for you — always compare as many options as possible. Here’s a table with a few of the top car insurance companies in Kalamazoo based on factors like pricing and coverage options.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Chubb | 7.1 | $128 | $128 | Luxury and classic vehicles |
| Auto-Owners | 8.2 | $117 | $72 | Bundling home and auto |
| USAA | 9.1 | $118 | $73 | Military members |
Disclaimer: Table data is based on real-time Kalamazoo quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Best insurer for luxury vehicles and classic cars: Chubb
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $72/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
3.7
A solid option in Kalamazoo, MIBased on 9 verified driver reviews and ratings
Best in Kalamazoo for
High net worth drivers
Customer service
Classic car coverage
Best in Kalamazoo for
High net worth drivers
Customer service
Classic car coverage
Showing recent national reviews - See all 5 Chubb reviews
Frances
Verified Review
Too Costly
Reviewed in Illinois on June 1, 2025
The price is too high.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.83A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Chubb’s auto insurance is only available in nine states. The company caters to high-net-worth drivers, people looking for high-limit coverage, and people looking for a range of insurance products. Chubb has an A++ rating from AM Best for financial stability and credit strength and no complaints on the National Association of Insurance Commissioners (NAIC) Consumer Complaint Index.
Pros
Reputation for outstanding customer service
Numerous types of insurance products available
Cons
Not available in every state
Tailored to serve luxury vehicles
Best insurer for bundling home and auto coverage: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $67/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $107/mo |
4.3
Best choice in Kalamazoo, MIBased on 309 verified driver reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Kalamazoo for
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best in Kalamazoo for
Cheap rates
Senior drivers
Ample discounts
Showing 11 Michigan reviews for Kalamazoo drivers - See all 146 Auto-Owners reviews
Paul
Verified Review
Auto Owners
Reviewed in Michigan on February 10, 2026
Auto Owners' rates have increased year after year.
Scott
Verified Review
Poor
Reviewed in Michigan on January 28, 2026
Prices are too high.
William
Verified Review
Claims handled great but very expensive
Reviewed in Michigan on January 16, 2026
Way too expensive.
David
Verified Review
Getting Expensive
Reviewed in Michigan on October 6, 2025
I've been with them for 15 years and received $3,200 back when a tree fell on my roof. It seems I'm in the hole for $19,776.00 over these years.
Linda
Verified Review
Best Claim Service
Reviewed in Michigan on August 23, 2025
When a driver drove into my back end, the communication and service were excellent!
Bruce C
Verified Review
Auto-Owners OK
Reviewed in Michigan on August 14, 2025
Return calls and information are relatively fast. Previous attempts to find a lower-cost policy have been fruitless.
Thomas
Verified Review
Fair Insurance, One Bad Agent
Reviewed in Michigan on July 4, 2025
I had a bad agent, but the prices are kind of high, yet they are the lowest among the big four insurance companies.
Richard
Verified Review
Time to Compare Rates
Reviewed in Michigan on April 19, 2025
I have had no problems with Auto-Owners, I just want to compare rates.
Mike
Verified Review
Unexpected Rate Increase
Reviewed in Michigan on March 27, 2025
The service was not satisfactory. Our rates were tripled without any notification.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
One of the nation’s largest insurers, Auto-Owners serves nearly 3 million policyholders in 26 states. The company launched in 1916 and currently sells car, home, life, and commercial insurance policies. AM Best gave Auto-Owners a financial strength and credit rating of A++ (Superior), and the company has significantly fewer customer complaints than the industry average, according to the NAIC Consumer Complaint Index.
J.D. Power gave the company high marks for claims satisfaction. And Auto-Owners offers several discounts, including those for having multiple policies with the insurer and paying in full.
Pros
High customer satisfaction ratings
Multiple discounts
Cons
Quotes not available online — only through an agent
No 24/7 claims service
Best insurer for military members and their families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $67/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
4.9
Best choice in Kalamazoo, MIBased on 3,128 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Kalamazoo for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Kalamazoo for
Members of the military community
Outstanding customer service
Competitive rates
Showing 9 Michigan reviews for Kalamazoo drivers - See all 1,477 USAA reviews
Marcia
Verified Review
Good customer service and roadside assistance.
Reviewed in Michigan on January 22, 2026
I have not had to make any claims except for roadside assistance, and it went well. Their prices are rather high, though. I like the company and what they stand for, but I'm not sure if I can afford to keep them.
Lavonne
Verified Review
Lower Rate
Reviewed in Michigan on January 7, 2026
It's okay. Just way too expensive monthly and they never offered any discounts.
Halbert
Verified Review
Good
Reviewed in Michigan on October 20, 2025
Lowering car insurance rates!
Natalie
Verified Review
Like any insurance, I feel like I'm dealing with a bookie. They are betting I'm going to screw up, and they adjust for a rock hitting the windshield. I have a 20-year-old Toyota on PLPD, which I call car hospice. I don't feel I should be paying for an agent.
Reviewed in Michigan on September 30, 2025
Like any insurance, I feel like I'm dealing with a bookie. They are betting I'm going to screw up, and they adjust for a rock hitting the windshield. I have a 20-year-old Toyota on PLPD, which I call car hospice. I don't feel I should be paying for an agent.
Elisabeth
Verified Review
USAA
Reviewed in Michigan on August 13, 2025
Excellent, especially customer service.
Nathaniel
Verified Review
Hopefully you don't actually need it
Reviewed in Michigan on April 26, 2025
It was cheap until I went in the ditch and actually needed my insurance. They doubled my premiums.
Patrick
Verified Review
Price Hiked!
Reviewed in Michigan on April 25, 2025
Search for a lower price if you have a great driving record and payment history!
Michael
Verified Review
Satisfied!
Reviewed in Michigan on March 27, 2025
Very good!
Jeffrey
Verified Review
USAA is the best, great rates and no hassle on claims! Auto or home
Reviewed in Michigan on March 6, 2025
They are awesome, great rates and no hassle!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA exclusively serves members of the military and their immediate families. The company offers multiple types of insurance products and banking, investing, and retirement services. Auto insurance customers have access to a number of discounts, including bundling, insuring multiple vehicles, living on a military base, and more.
AM Best gave USAA an A++ (Superior) rating for financial strength, and the company had the highest or second-highest rating of all insurers in every region in J.D. Power’s U.S. Customer Service Index. But customer reviews are mixed for service and claims processing.
Pros
Low premiums
Discount of up to 30% possible via SafePilot program
Cons
Only available to active-duty military, veterans, military spouses, or children of service members or veterans
No 24/7 customer phone support
How to get the cheapest car insurance in Kalamazoo
Insurance companies in Kalamazoo take several factors into account when setting your car insurance rates, including your age, driving history, the type of vehicle you drive, and where you live. Understanding what affects your premium is the first step in finding the cheapest car insurance.
To help you further, here are a few easy-to-follow tips:
Maintain a clean driving record and claims history. The fewer tickets and accidents you have, the lower your premium. In addition, if you have a minor accident and the damage isn’t much more than your deductible, consider paying out of pocket.
Take a defensive driving course. Some insurance companies offer discounts if you complete an accredited defensive driving course.
Bundle insurance policies. If you have other insurance policies, such as homeowners or renters insurance, consider bundling them with your car insurance. Many insurance companies offer discounts to customers who bundle multiple policies.
Compare rates from different companies. Rates can vary significantly from one insurance company to another. Take the time to get quotes from multiple insurance companies and compare coverage details to ensure you get the best deal for your needs.
Find Cheap Car Insurance in Kalamazoo
Liability rates start at $67 per month
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Cheapest liability-only car insurance in Kalamazoo: USAA
Liability-only car insurance is the minimum amount of coverage you need to drive legally in most states. It covers damage and injuries you cause to others in a car accident but not your own costs.[3]
The average rate for liability-only car insurance in Kalamazoo is $124 per month. The table below details the cheapest liability-only car insurance from some of the top companies in Kalamazoo.
The below rates in Kalamazoo, MI, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $67 |
| Auto-Owners | $67 |
| Chubb | $72 |
| National General | $100 |
| Safeco | $102 |
| Progressive | $111 |
| Bristol West | $124 |
| Direct Auto | $131 |
| Nationwide | $135 |
| State Farm | $137 |
| Liberty Mutual | $141 |
| Travelers | $158 |
| GEICO | $165 |
Disclaimer: Table data sourced from real-time Kalamazoo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kalamazoo may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Kalamazoo: Auto-Owners
If you want a broader safety net than what liability-only insurance covers, full-coverage car insurance is the right choice. This type of insurance provides liability coverage, but it also covers your own medical payments and car repairs if you’re in an accident, through collision and comprehensive coverage.
The average rate for full-coverage car insurance in Kalamazoo is $193 per month. The table below shows the most affordable full coverage from some of the top car insurance companies in Kalamazoo.
The below rates in Kalamazoo, MI, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $107 |
| USAA | $108 |
| Chubb | $117 |
| Progressive | $178 |
| Safeco | $178 |
| National General | $212 |
| Liberty Mutual | $213 |
| Nationwide | $219 |
| State Farm | $223 |
| GEICO | $223 |
| Direct Auto | $240 |
| Bristol West | $251 |
| Travelers | $258 |
Disclaimer: Table data sourced from real-time Kalamazoo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kalamazoo may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Kalamazoo, Michigan
Recent Kalamazoo, Michigan car insurance prices for Saturn, Mitsubishi, Ford , and more.
*Quotes generated for Insurify users in and around Kalamazoo, Michigan within the last 10 days. Last updated on March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Kalamazoo, Michigan within the last 10 days. Last updated on March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Michigan
Michigan is a no-fault state for car insurance, meaning drivers receive compensation from their insurance company after an accident, regardless of who caused the accident.[4]
All drivers must carry a minimum amount of bodily injury liability and property damage liability, as well as property protection insurance. Most drivers must also purchase a minimum amount of personal injury protection (PIP) medical coverage, which pays for medical expenses, recovery, and rehabilitation after an auto accident. Only Medicaid recipients meeting certain criteria can opt out of PIP medical coverage.[5]
Here are the specific requirements for Michigan drivers.
Coverage | Minimum Requirements |
|---|---|
| Personal injury protection | One of the following:
|
| Property protection insurance | $1 million |
| Bodily injury liability | $250,000 per person and $500,000 per accident |
| Property damage liability | $10,000 for damage in another state |
For more thorough protection behind the wheel, consider carrying more than the minimum coverages. Some other coverages to consider include:
Comprehensive coverage
Comprehensive coverage reimburses you for theft or damage to your car due to events other than a collision, such as vandalism, fire, or hail.
Collision coverage
Collision coverage reimburses you for damage to your vehicle due to a collision with another vehicle or an object.
Glass coverage
Glass coverage pays to repair or replace your car windshield, windows, and sunroof with no deductible.
Gap coverage
Gap insurance pays the difference between the fair market value of your car and what you owe on your car loan if it’s totaled in an accident or stolen.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage helps pay your costs if you’re involved in an accident with a driver who has no insurance or too little insurance.
Cheapest car insurance for drivers with an incident
Incidents can include at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations. Having incidents on your driving record can increase your car insurance rates because insurance companies see you as more likely to file a claim and charge higher premiums to offset that risk.
The average cost of car insurance for Kalamazoo drivers with a past incident is $155 per month for liability coverage and $241 for full-coverage insurance.
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Rates start at $86 for drivers with incidents on their records
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Cheapest car insurance for drivers with a speeding ticket: USAA
Having multiple speeding tickets typically increases your car insurance rates. Kalamazoo drivers with a speeding ticket face an average monthly cost of $141 for liability-only coverage.
But you can still find affordable policies. Below are the cheapest car insurance companies for drivers in Kalamazoo with speeding tickets.
The below rates in Kalamazoo, MI, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Speeding TIcket |
|---|---|---|
| USAA | $67 | $83 |
| Auto-Owners | $67 | $83 |
| Chubb | $72 | $87 |
| National General | $100 | $119 |
| Safeco | $102 | $129 |
| Progressive | $111 | $126 |
| Bristol West | $124 | $149 |
| Direct Auto | $131 | $156 |
| Nationwide | $135 | $167 |
| State Farm | $137 | $166 |
| Liberty Mutual | $141 | $171 |
| Travelers | $158 | $196 |
| GEICO | $165 | $206 |
Disclaimer: Table data sourced from real-time Kalamazoo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kalamazoo may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
If you cause an accident, your insurer will likely raise your car insurance rates. In Kalamazoo, drivers with at-fault accidents pay an average of $177 per month for liability auto insurance. But it’s still possible to find affordable rates.
Below are the cheapest car insurance companies for drivers in Kalamazoo with at-fault accidents on their records.
The below rates in Kalamazoo, MI, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $67 | $93 |
| Auto-Owners | $67 | $92 |
| Chubb | $72 | $99 |
| National General | $100 | $138 |
| Safeco | $102 | $148 |
| Progressive | $111 | $159 |
| Bristol West | $124 | $170 |
| Direct Auto | $131 | $186 |
| Nationwide | $135 | $189 |
| State Farm | $137 | $188 |
| Liberty Mutual | $141 | $195 |
| Travelers | $158 | $221 |
| GEICO | $165 | $223 |
Disclaimer: Table data sourced from real-time Kalamazoo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kalamazoo may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Dealing with a DUI can be a challenging experience — especially when looking for affordable car insurance. Many insurers may even refuse to provide you coverage. The average monthly cost of liability car insurance with a DUI on your license in Kalamazoo is $200.
The table below shows some of the most affordable car insurance companies in Kalamazoo for drivers with DUIs.
The below rates in Kalamazoo, MI, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $67 | $103 |
| Auto-Owners | $67 | $103 |
| Chubb | $72 | $111 |
| National General | $100 | $154 |
| Safeco | $102 | $167 |
| Progressive | $111 | $179 |
| Bristol West | $124 | $191 |
| Direct Auto | $131 | $202 |
| Nationwide | $135 | $208 |
| State Farm | $137 | $211 |
| Liberty Mutual | $141 | $217 |
| Travelers | $158 | $243 |
| GEICO | $165 | $253 |
Disclaimer: Table data sourced from real-time Kalamazoo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kalamazoo may vary based on the policy buyer's unique driver profile.
)
Learn More: Find the Cheapest Car Insurance After a DUI
Cheapest car insurance for seniors: Auto-Owners
Age plays a substantial role when it comes to the cost of your auto insurance premiums. While young, inexperienced drivers tend to pay higher premiums, rates typically decrease around age 35. But the trend takes a turn once drivers reach somewhere around age 70. At this stage, insurance companies perceive drivers as higher risk due to potential health issues from aging, such as vision changes or slower reaction times.
Senior drivers in Kalamazoo pay an average of $110 per month for liability coverage and $171 for full-coverage insurance. Below, you’ll find some of the cheapest insurers in Kalamazoo for seniors.
The below rates in Kalamazoo, MI, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $54 | $86 |
| USAA | $55 | $89 |
| Chubb | $55 | $90 |
| National General | $80 | $169 |
| Safeco | $90 | $158 |
| Progressive | $98 | $158 |
| Nationwide | $105 | $170 |
| Bristol West | $105 | $212 |
| Direct Auto | $107 | $196 |
| State Farm | $109 | $178 |
| Liberty Mutual | $120 | $181 |
| Travelers | $128 | $209 |
| GEICO | $133 | $180 |
Disclaimer: Table data sourced from real-time Kalamazoo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kalamazoo may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Insurance companies charge teen drivers higher rates than almost any other driver due to their lack of experience behind the wheel. This inexperience increases their risk of being involved in an accident, leading to more claims and higher costs for insurance companies.
On average, teen drivers in Kalamazoo pay $193 per month for liability-only coverage and $301 for full coverage.
Even so, teen drivers can keep premiums affordable by staying on their parents’ insurance, getting a safe vehicle, and maintaining good grades to qualify for a good student discount.
Below are the cheapest car insurance companies for teenage drivers in Kalamazoo.
The below rates in Kalamazoo, MI, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $115 | $186 |
| Auto-Owners | $126 | $201 |
| Chubb | $140 | $227 |
| Progressive | $173 | $277 |
| National General | $190 | $402 |
| Safeco | $193 | $336 |
| Bristol West | $205 | $416 |
| Liberty Mutual | $230 | $348 |
| Direct Auto | $236 | $432 |
| Nationwide | $247 | $400 |
| State Farm | $248 | $404 |
| GEICO | $274 | $370 |
| Travelers | $308 | $502 |
Disclaimer: Table data sourced from real-time Kalamazoo car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Kalamazoo may vary based on the policy buyer's unique driver profile.
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Is car insurance more expensive in Kalamazoo?
In Kalamazoo, the average monthly cost of full-coverage car insurance is $159, compared to Michigan’s average of $173 and the national average of $173. The cost of liability insurance in Kalamazoo is $124 per month, which is comparable to the state average of $135 and higher than the national average of $99.
One reason car insurance in Michigan is costly is the number of uninsured drivers in the state. The Insurance Information Institute (III) estimates that roughly 19.6% of drivers in Michigan don’t carry insurance — the fifth-highest rate in the nation.[6]
More cities in Michigan
The cost of car insurance in Kalamazoo is about the middle of the road compared to other Michigan cities. The table below shows the average monthly cost of car insurance in other popular Michigan cities and how they compare to Kalamazoo.
City | Liability Only | Full Coverage |
|---|---|---|
| Ann Arbor | $116 | $198 |
| Flint | $140 | $236 |
| Dearborn | $274 | $439 |
| Detroit | $267 | $412 |
| Grand Rapids | $102 | $193 |
| Lansing | $113 | $189 |
| Rochester | $141 | $219 |
| Warren | $184 | $292 |
Disclaimer: Table data is based on real-time Kalamazoo quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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Read More: Best Cheap Auto Insurance in Michigan
Kalamazoo car insurance FAQs
Finding the right car insurance can be difficult. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Kalamazoo.
How much is car insurance in Kalamazoo?
Kalamazoo drivers pay an average of $193 per month for full-coverage insurance and $124 for liability coverage. Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, chosen coverage level, and more.
Which company has the cheapest car insurance rates in Kalamazoo?
Kalamazoo drivers will find the cheapest car insurance rates from USAA, which offers liability coverage for as low as $67 per month. Auto-Owners and Chubb also have cheap monthly liability-only rates — $67 and $72, respectively.
What are the best car insurance companies in Kalamazoo?
Auto-Owners is the best car insurance company in Kalamazoo, with an Insurify Quality (IQ) Score of 8.2 out of 10 and an AM Best financial strength rating of A++ (Superior). Michigan drivers with coverage from Auto-Owners pay an average of $72 per month for liability insurance and $117 for full-coverage insurance. Of the insurers Insurify has rate data for, other top Kalamazoo choices include Chubb and USAA.
Why is Michigan car insurance so high?
Michigan car insurance costs are so expensive partly because it’s a no-fault state, so drivers must carry personal injury protection coverage. Most states don’t require this coverage, meaning that Michigan drivers have an extra financial burden. Additionally, insurers charge higher rates because they’ll be on the hook in any accident since fault plays no role.
What is the minimum car insurance required in Michigan?
Michigan drivers must carry at least $50,000 per person and $100,000 per accident in bodily injury liability coverage, along with $10,000 in property damage liability insurance. They must also carry personal injury protection (PIP) coverage.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- City-Data.com. "Crime Rate in Kalamazoo, MI."
- Michigan Legislature. "500.2153 Credit information or insurance score; use.."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Michigan Department of Insurance and Financial Services. "Michigan's New Auto Insurance Law."
- Michigan Association for Justice. "Michigan's New Auto Insurance Law."
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
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Janet Berry-JohnsonInsurance Writer, CPA
8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
Danny SmithInsurance Writer
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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David MarlettAdvisor
David Marlett is the Managing Director of the Brantley Risk and Insurance Center. He is a professor in the Department of Finance, Banking, and Insurance at Appalachian State University and holds the IIANC Distinguished Professorship. David also serves on the Board of Directors for the Invest program and previously chaired the Loman Advisory Committee for the CPCU Society.
David has taught courses in Risk Management and Insurance for the last 25 years, starting at Florida State University while in the doctoral program. Prior to graduate school, David worked as a commercial lines underwriter for USF&G in Tampa.
He serves as a resource on insurance issues and is a frequent media contributor. He has been quoted by a wide range of outlets, including The New York Times, CNN, Reuters, and NPR.
David has been reviewing articles for Insurify since March 2025.