Who Has the Cheapest Car Insurance in Kalamazoo?

Progressive has the best rates for full coverage in Kalamazoo, MI, at just $108 per month.

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Best cheap car insurance companies in Kalamazoo

Every driver will find different rates based on their driving history, so the only way to find the best rates for you is to compare quotes from multiple insurers.

Cheapest car insurance in Kalamazoo: Progressive

For drivers who want or need comprehensive and collision coverage on their auto insurance, we recommend Progressive. At $1,296 per year ($108 per month), it was the only widely available insurer to offer us a rate below $2,000 for full coverage.

Cheapest full coverage car insurance in Kalamazoo

Company
Monthly rate
Progressive logo
Progressive$108
Auto-Owners logo
Auto-Owners$179
Frankenmuth logo
Frankenmuth$185
State Farm logo
State Farm$267
AAA logo
AAA$378
Hanover logo
Hanover$493
Allstate logo
Allstate$744
USAA logo
USAA$115

*USAA is only available to current and former military members and their families.

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Cheapest liability insurance in Kalamazoo: Frankenmuth

The best widely available rates can be found at Frankenmuth Insurance. Its impressively low rate of $67 per month is 55% cheaper than the average rate citywide.

Progressive and Auto-Owners also had affordable rates — all were below $75 per year.

The single cheapest option for car insurance is from USAA, at just $41 per year. However, USAA only sells insurance to people who have served in the military, and their families.

Cheapest car insurance companies in Kalamazoo, Michigan.

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Cheapest minimum-coverage car insurance in Kalamazoo, MI

Company
Monthly cost
Frankenmuth logo
Frankenmuth$67
Progressive logo
Progressive$68
Auto-Owners logo
Auto-Owners$73
USAA logo
USAA$41

*USAA is only available to current and former military members and their families.

Cheapest car insurance for young drivers: Auto-Owners

Younger drivers are less experienced behind the wheel and may not have good judgment as older drivers. As a result, they get in crashes more often and almost always pay much more for insurance: We found a typical price of $314 per year for minimum coverage in Kalamazoo.

However, younger drivers can get a better deal at Auto-Owners. The typical rate of $142 was 55% less than the average citywide. Frankenmuth Insurance also had good rates, at $191 per year.

Cheapest car insurance for young drivers in Kalamazoo

Company
Monthly rate
Auto-Owners$142
Frankenmuth$191
Progressive$226
AAA$375
Hanover$411
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*USAA is only available to current and former military members and their families.


Cheapest car insurance for Kalamazoo drivers with a speeding ticket: Progressive

The most affordable option for car insurance in Kalamazoo after getting a speeding ticket is Progressive. The typical rate is $135 per month, or 67% less than the average cost.

Drivers who receive a ticket after getting caught speeding are seen as more willing to take risks behind the wheel, and thus more likely to get in a crash — resulting in higher rates for insurance.

Cheapest car insurance for drivers with a speeding ticket

Company
Monthly rate
Progressive$135
Frankenmuth$207
Auto-Owners$209
State Farm$347
Hanover$684
Show All Rows

*USAA is only available to current and former military members and their families.

Cheapest car insurance in Kalamazoo after an accident: Progressive

Drivers who have been at fault in an accident almost always see insurance rate increases because they're statistically more likely to get in another crash in the future.

We recommend Progressive as the most affordable option in Kalamazoo after a crash. It offered us a typical price of $139 per month for full coverage. That's 70% cheaper than the average rate and $70 less than the second-cheapest option, Auto-Owners.

Cheapest car insurance after an accident

Company
Monthly rate
Progressive$139
Auto-Owners$209
Frankenmuth$242
State Farm$320
AAA$782
Show All Rows

*USAA is only available to current and former military members and their families.

Cheapest car insurance for drivers with a DUI: Progressive

A DUI is among the most serious driving infractions, and you'll likely pay much more after you're convicted of one. We found a typical price citywide of $867 per month for a driver with a DUI on their record.

However, we did find some more affordable options. Progressive was the cheapest option by far, at just $127 per month. That's 87% less expensive than the Kalamazoo average. Auto-Owners also offered comparatively affordable rates, at $419 a month.

Cheapest car insurance for drivers with a DUI

Company
Monthly rate
Progressive$127
Auto-Owners$419
State Farm$693
Frankenmuth$827
Hanover$952
Show All Rows

*USAA is only available to current and former military members and their families.

Best auto insurance companies in Kalamazoo, Michigan

The best car insurers offer affordable rates, but finding one with dependable service is just as important. We recommend Auto-Owners, USAA and State Farm as the best car insurance companies in Michigan. They performed the best in our national car insurance satisfaction survey, especially when it comes to claim service.

Average car insurance cost in Kalamazoo, by neighborhood

The cost of car insurance can vary based on where you live, even within a given city. For example, you might see higher rates if there are more car thefts in your area, or if you live in a neighborhood with poorly maintained roads, which may increase the number of accidents.

Zip code
Full coverage
Minimum coverage
49001$308$149
49004$319$159
49006$309$149
49007$319$155
49008$300$143
49009$301$142
49048$306$145

*USAA is only available to current and former military members and their families.

Auto theft statistics in Kalamazoo

Auto theft rates are high in Kalamazoo. There were 4.3 car thefts per 1,000 people in 2019, nearly double the state rate of 2.3 thefts per 1,000 people. The only major city in the state with a higher rate of auto theft than Kalamazoo is Detroit.

Below, see a list of how Kalamazoo compares to other Michigan cities regarding car theft.

City
Population
Motor vehicle theft
Motor vehicle theft per 1,000 people
Detroit663,5026,88610.4
Kalamazoo76,8273294.3
Lansing118,9533673.1
Dearborn93,9022662.8
Warren134,6533562.6
Grand Rapids201,7995012.5
Flint95,2122072.2
Clinton Township101,3081561.5
Livonia93,6441121.2
Ann Arbor122,8931381.1
Sterling Heights133,377960.7

Motor vehicle theft data was pulled from the FBI 2019 Michigan Crime Report.


What's the best car insurance coverage in Kalamazoo, MI?

In addition to the liability and personal injury protections required by Michigan state law, full coverage insurance also includes the following:

  • Comprehensive coverage: Pays for damage to your car from a source other than a crash, including vandalism, theft or damage from an animal.
  • Collision coverage: Pays for damage to your car in a crash, regardless of who's responsible.

Methodology

We collected data from eight of the largest insurers in Michigan. Our sample driver is a 30-year-old man who drives a 2015 Honda Civic EX.

The following limitations were used:

Coverage
State minimum
Full coverage
Property protectionup to $1,000,000up to $1,000,000
Residual bodily injury and property damage liability (BI/PD)$50,000 per injury, $100,000 per accident$50,000 per injury, $100,000 per accident
Personal injury protection (PIP)$250,000 for people with qualified health coverage$250,000 for people with qualified health coverage
Collision coverageIncluded/$500 deductible
Comprehensive coverageIncluded/$500 deductible

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.

Source:

Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.