Best Cheap Auto Insurance in Kalamazoo, Michigan (2024)

Auto-Owners, USAA, and Chubb are the cheapest car insurance companies in Kalamazoo.

Janet Berry-Johnson
Janet Berry-Johnson
  • 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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Danny Smith
Edited byDanny Smith
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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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Updated April 18, 2024

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Cheapest recent rates near Kalamazoo, Michigan

Drivers using Insurify have found quotes as cheap as $46/mo for liability only and $111/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 April 18, 2024

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 April 18, 2024. 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 April 18, 2024

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 April 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Drivers can expect to pay a monthly average of $257 for car insurance in Kalamazoo, cheaper than the state average of $265. Liability-only coverage is the cheapest choice, at an average of $171 per month, while full coverage offers more protection for a higher cost of $342 per month.

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 its high crime and vehicle theft rates. Its crime rate is actually higher than 98.5% of U.S. cities.[1] If you’re looking to save money on rates, make sure to compare car insurance quotes from multiple insurers before buying a policy.

Quick Facts
  • Kalamazoo, like other cities in Michigan, has a no-fault system for car insurance.

  • Michigan has the second-highest percentage of uninsured drivers in the country — roughly one-quarter of drivers don’t carry insurance.

  • Kalamazoo insurance companies aren’t allowed to use drivers’ credit scores to set auto insurance rates.[2]

Find Cheap Car Insurance in Kalamazoo, Michigan

Rates start as low as $171 for liability coverage

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Best car insurance companies in Kalamazoo

Below, we’ve compiled a table of the top car insurance companies in Kalamazoo based on factors like pricing and coverage options. But remember, 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.

Best insurer for luxury vehicles and classic cars: Chubb

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
2.8
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++
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.
$69/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.
$116/mo

Chubb’s auto insurance is only available in nine states. The company caters to high-net-worth individuals, drivers 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

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$63/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

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

Read our Auto-Owners review
Jack - April 9, 2024
Verified

Poor Handling but Partial Payment Made

I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.

Erin - April 7, 2024
Verified

Unhappy with Renewal Costs

The premium is ridiculously expensive for the few miles I drive.

Brandy - April 6, 2024
Verified

Fair Prices from a Trustworthy Company

I've had zero issues!

Best insurer for military members and their families: USAA

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$107/mo

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

Read our USAA review
Tom - April 16, 2024
Verified

USAA Excellence for Auto and Personal Property Insurance

Excellent.

Joseph - April 13, 2024
Verified

Excellent

It has been very good for a long time.

Candace - April 12, 2024
Verified

USAA Didn't Look Out for Me!

I was overcharged and rated incorrectly.

Cheapest liability-only car insurance in Kalamazoo

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 $171 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, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners63
USAA64
Chubb69
Safeco80
GEICO97
Progressive122
Nationwide129
State Farm131
Direct Auto144
Travelers152
Liberty Mutual154
Bristol West176
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

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 $342 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, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners106
USAA107
Chubb116
Safeco141
GEICO162
Progressive179
Nationwide216
State Farm220
Travelers255
Liberty Mutual273
Direct Auto294
Bristol West303
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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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 coverage. 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]

CoverageMinimum Requirements
Bodily injury liability$20,000 per person and $40,000 per accident
Property damage liability$10,000

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.

Shop for Car Insurance in Kalamazoo, MI

Rates start at $75 for drivers with incidents on their records

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Cheapest car insurance for drivers with a speeding ticket

Having multiple speeding tickets typically increases your car insurance rates. Kalamazoo drivers with a speeding ticket face an average monthly cost of $208 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, April 17 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
USAA12675
Auto-Owners12977
Chubb13983
Safeco182103
GEICO191114
Progressive221150
State Farm255152
Nationwide257154
Travelers306182
Liberty Mutual349197
Direct Auto358175
Bristol West365212
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

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 $322 per month for 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, April 17 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners13379
USAA13380
Chubb14586
Safeco192109
GEICO202121
Progressive231158
State Farm270161
Nationwide271162
Travelers321191
Liberty Mutual366206
Bristol West376219
Direct Auto378185
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

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 car insurance with a DUI on your license in Kalamazoo is $373.

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, April 17 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners15995
USAA16196
Chubb174104
Safeco212120
GEICO243146
Progressive269183
Nationwide324194
State Farm330197
Travelers383228
Liberty Mutual410231
Direct Auto441216
Bristol West455264
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

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. However, the trend takes a turn once drivers reach somewhere around age 75. At this stage, insurance companies tend to perceive drivers as higher risk due to potential health issues from aging, such as impaired vision or slower reaction times.

Senior drivers in Kalamazoo pay an average of $52 per month for liability coverage. Below, you’ll find some of the cheapest insurers in Kalamazoo for seniors.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Chubb7545
Auto-Owners7645
USAA8249
Progressive11175
GEICO12072
Safeco12471
Nationwide14586
State Farm15291
Travelers191114
Liberty Mutual213120
Direct Auto219107
Bristol West237137
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

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.

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.

On average, teen drivers in Kalamazoo pay $229 per month for liability-only coverage. Below are the cheapest car insurance companies for teenage drivers in Kalamazoo.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
Auto-Owners15491
USAA15492
Chubb189113
GEICO220132
Safeco221126
Progressive283193
Nationwide323193
State Farm329196
Liberty Mutual401226
Travelers404241
Bristol West438255
Direct Auto472231
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.

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.

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Is car insurance more expensive in Kalamazoo?

In Kalamazoo, the average monthly cost of full-coverage car insurance is $257, compared to Michigan’s average of $265 and the national average of $139.

One of the reasons for this price difference is the number of uninsured drivers in Michigan. The Insurance Information Institute (III) estimates that roughly 25% of drivers in the state don’t carry insurance — the second-highest rate in the nation, second only to Mississippi.[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.

CityAverage Quote: Full CoverageAverage Quote: Liability Only
Detroit$416$339
Flint$402$218
Grand Rapids$297$151
Lansing$279$148
Warren$408$227
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?

    Car insurance in Kalamazoo costs $257 per month, on average. Drivers pay an average of $342 per month for full-coverage insurance and $171 per month 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 $63 per month. USAA and Chubb also have cheap monthly liability-only rates — $64 and $69, 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 4.0 out of 5 and an AM Best financial strength rating of A++ (Superior). Of the insurers Insurify has rate data for, other top Kalamazoo choices include Chubb and USAA.

  • Why is Michigan car insurance high?

    Michigan car insurance costs are so high 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.

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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