Cheapest Auto Insurance in Kalamazoo, Michigan (2025)

Auto-Owners has the cheapest car insurance in Kalamazoo, with monthly liability rates as low as $59.

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Janet Berry-Johnson
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Danny Smith
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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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Cheapest recent rates near Kalamazoo, Michigan

Drivers using Insurify have found quotes as cheap as $52/mo for liability only and $108/mo for full coverage in Kalamazoo and other Michigan cities.

*Quotes generated for Insurify users in and around Kalamazoo, Michigan within the last 10 days. Last updated on January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ 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 January 20, 2025. 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 January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ 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 January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Kalamazoo drivers pay a monthly average of $158 for liability-only coverage, which is close to the state average of $170 but much higher than the national average of $105. 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
  • Auto-Owners, USAA, and Chubb have the cheapest liability insurance in Kalamazoo.

  • The average cost of full-coverage insurance in Kalamazoo is $288 per month. For comparison, the statewide average for full-coverage insurance is $294 and the national average is $105 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
Chubb6.5$120$120Luxury and classic vehicles
Auto-Owners8.5$110$61Bundling home and auto
USAA9.4$111$62Military members
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Best insurer for luxury vehicles and classic cars: Chubb

User Reviews
3.6
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.
6.5 /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.
$64/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.
$115/mo
3.6
A solid optionBased on 5 verified guest reviews and ratings
Chubb's score
Industry average
Coverage options3.23.2
Customer service3.13.6
Discounts3.32.9
Policy transparency3.23.1
Value4.42.9
How drivers feel about Chubb

Drivers appreciate the professional customer service and quick claims handling but dislike the expensive rates and limited online portal.

AI-generated from the text of verified reviews collected by Insurify
Best For
High net worth drivers
Customer service
Classic car coverage
How drivers feel about Chubb

Drivers appreciate the professional customer service and quick claims handling but dislike the expensive rates and limited online portal.

AI-generated from the text of verified reviews collected by Insurify
Best For
High net worth drivers
Customer service
Classic car coverage
Reviews (4)

Cynthia

August 11, 2024

Verified Review

Excellent!

Absolutely great!

Alexander

June 18, 2024

Verified Review

I have submitted all the information about my two cars to you and I still don't have a quote. You sent me an email saying you have a quote for me, but when I enter the field, it keeps asking me for the same information about my cars. Your service has been disappointing. Perhaps, your team needs to reassess its efficiency.

I have submitted all the information about my two cars to you and I still don't have a quote. You sent me an email saying you have a quote for me, but when I enter the field, it keeps asking me for the same information about my cars. Your service has been disappointing. Perhaps, your team needs to reassess its efficiency.

Troy

October 6, 2021

Verified Review

Good

They are great to deal with, just expensive.
See all Chubb reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.41
A.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
4.0
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.
8.5 /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.
$59/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.
$106/mo
4.0
Best choiceBased on 153 verified guest reviews and ratings
Auto-Owners's score
Industry average
Coverage options3.93.2
Customer service3.73.6
Discounts3.52.9
Policy transparency3.83.1
Value3.52.9
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (94)

Tammy

January 13, 2025

Verified Review

Affordable Insurance in Michigan

The insurance is affordable.

Allen

January 12, 2025

Verified Review

Excellent

Absolutely no problems.

Michael

January 6, 2025

Verified Review

Pleased

I have had a positive experience with Auto-Owners company and personnel.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.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.
9.4 /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.
$60/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
4.9
Best choiceBased on 1,675 verified guest reviews and ratings
USAA's score
Industry average
Coverage options4.93.2
Customer service4.63.6
Discounts4.92.9
Policy transparency4.93.1
Value4.92.9
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (961)

William

January 18, 2025

Verified Review

Trouble Remembering PIN with USAA

USAA is great, but I do have trouble remembering my PIN number. That's a problem.

William

January 13, 2025

Verified Review

I love USAA

I love USAA. However, I don't know my PIN, and that has caused me some inconvenience.

Thomas

January 13, 2025

Verified Review

Too Personal

They penalize me for using my phone as a passenger in someone else's car. Even though I have a Bluetooth hands-free phone, they still want to deduct points. I guess next they'll penalize me if I talk to my wife while I'm driving.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.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 $59 per month

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Cheapest liability-only car insurance in Kalamazoo: Auto-Owners

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 $158 per month. The table below details the cheapest liability-only car insurance from some of the top companies in Kalamazoo.

The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
Auto-Owners$59
USAA$60
Chubb$64
GEICO$89
Safeco$102
Progressive$113
Nationwide$119
State Farm$122
Direct Auto$141
Travelers$141
Bristol West$171
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $288 per month. The table below shows the most affordable full coverage from some of the top car insurance companies in Kalamazoo.

The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
Auto-Owners$106
USAA$107
Chubb$115
GEICO$161
Progressive$167
Safeco$170
Nationwide$215
State Farm$219
Travelers$254
Direct Auto$286
Bristol West$313
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Kalamazoo, Michigan

Drivers using Insurify have found quotes as cheap as $52/mo for liability only and $108/mo for full coverage in Kalamazoo and other Michigan cities.

*Quotes generated for Insurify users in and around Kalamazoo, Michigan within the last 10 days. Last updated on January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ 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 January 20, 2025. 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 January 20, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ 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 January 20, 2025. 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:

  • Unlimited coverage
  • $500,000 per person per accident
  • $250,000 per person per accident
  • $250,000 per person per accident with exclusions (only available when drivers have qualified health coverage)
  • $50,000 per person per accident (only available when drivers are enrolled in Medicaid)
  • No coverage (only available to drivers enrolled in Medicare Parts A and B)
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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage reimburses you for damage to your vehicle due to a collision with another vehicle or an object.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Glass coverage

    Glass coverage pays to repair or replace your car windshield, windows, and sunroof with no deductible.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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 $185 per month for liability coverage and $338 for full-coverage insurance.

Shop for Car Insurance in Kalamazoo

Rates start at $70 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 $185 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 are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With Speeding TIcket
Auto-Owners$59$71
USAA$60$71
Chubb$64$77
GEICO$89$105
Safeco$102$123
Progressive$113$133
Nationwide$119$142
State Farm$122$143
Direct Auto$141$167
Travelers$141$169
Bristol West$171$204
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $197 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 are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With Accident
Auto-Owners$59$75
USAA$60$76
Chubb$64$81
GEICO$89$112
Safeco$102$129
Progressive$113$144
Nationwide$119$151
State Farm$122$152
Direct Auto$141$182
Travelers$141$179
Bristol West$171$216
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $229.

The table below shows some of the most affordable car insurance companies in Kalamazoo for drivers with DUIs.

The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With DUI
Auto-Owners$59$91
USAA$60$93
Chubb$64$99
GEICO$89$138
Safeco$102$147
Progressive$113$175
Nationwide$119$184
State Farm$122$189
Direct Auto$141$218
Travelers$141$218
Bristol West$171$264
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Learn More: Find the Cheapest Car Insurance After a DUI

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 $140 per month for liability coverage and $254 for full-coverage insurance. Below, you’ll find some of the cheapest insurers in Kalamazoo for seniors.

The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST
Insurance Company
Liability Only
Full Coverage
Auto-Owners$48$87
Chubb$49$87
USAA$50$88
GEICO$73$133
Progressive$85$125
Safeco$91$151
Nationwide$92$167
State Farm$98$176
Direct Auto$113$230
Travelers$114$206
Bristol West$142$260
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Auto-Owners

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 $220 per month for liability-only coverage and $402 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 are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST
Insurance Company
Liability Only
Full Coverage
Auto-Owners$90$162
USAA$93$165
Chubb$115$206
GEICO$130$236
Safeco$178$297
Progressive$181$268
Nationwide$193$348
State Farm$194$347
Travelers$236$425
Direct Auto$238$483
Bristol West$263$481
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $223, compared to Michigan’s average of $232 and the national average of $199. The cost of liability insurance in Kalamazoo is $158 per month, which is comparable to the state average of $170 and higher than the national average of $105.

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
Full Coverage
Liability Only
Ann Arbor$146$269
Flint$172$309
Dearborn$316$498
Detroit$333$393
Grand Rapids$145$266
Lansing$147$257
Rochester$167$302
Warren$217$332
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Read More: Best Cheap Auto Insurance in Michigan

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 $288 per month for full-coverage insurance and $158 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 Auto-Owners, which offers liability coverage for as low as $59 per month. USAA and Chubb also have cheap monthly liability-only rates — $60 and $64, 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 8.5 out of 5 and an AM Best financial strength rating of A++ (Superior). Michigan drivers with coverage from Auto-Owners pay an average of $61 per month for liability insurance and $110 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 $20,000 per person and $40,000 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 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. City-Data.com. "Crime Rate in Kalamazoo, MI."
  2. Michigan Legislature. "500.2153 Credit information or insurance score; use.."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. Michigan Department of Insurance and Financial Services. "Michigan's New Auto Insurance Law."
  5. Michigan Association for Justice. "Michigan's New Auto Insurance Law."
  6. Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
Janet Berry-Johnson
Janet Berry-Johnson

Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.

Janet has been a contributor at Insurify since October 2022.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • 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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