Kalamazoo is a city in the southwestern reaches of Michigan. With a large portion of the population relying on their car to commute, many have to shop for car insurance every year. In general, Michigan car insurance can be quite expensive however. Though one of the cheaper spots for insurance in the state, rates are in Kalamazoo are mostly above the national average. Still, there are great deals to be had. We took a look at numerous quotes from about 22 companies in Kalamazoo, and determined which had the best to offer.
Cheapest Auto Insurance in Kalamazoo, MI
Using a profile 30-year-old male with a clean driving record, we got quotes from 22 companies in Kalamazoo to see which had the best price. Overall, like in many Michigan cities, MetLife offered the most affordable car insurance pricing for one year of full coverage. The graph below shows the five best car insurers and how they relate to the city average price.
Allstate and State Farm, two brands you most likely know well, actually were some of the most expensive insurers in Kalamazoo. Both offered prices above the city average. When it comes to buying auto insurance, you need to compare quotes. Just because you may have heard the name of the company before, it does not mean they have the best rates around. Below is a list of the top ten insurers for our sample 30-year-old driver:
|5||Pioneer State Mutual||$1,596|
Car Insurance Agents and Agencies in Kalamazoo
Below you can find a handful of insurers and agencies within the Kalamazoo area. Most, like State Farm and Allstate, only sell you insurance through an agent. A handful of companies allow policies to be purchased exclusively online.
|Ron Jackson Insurance||814 S Burdick St, Kalamazoo, MI 49001, United States|
|Nulty Insurance||5579 Stadium Dr, Kalamazoo, MI 49009, United States|
|Allstate Insurance: Darryl Rauhoff||5050 Gull Rd, Kalamazoo, MI 49048, United States|
|A Best Buy Insurance Agency||4341 S Westnedge Ave #2104, Kalamazoo, MI 49008, United States|
|Allstate Insurance: Albert Watson||672 Maple Hill Dr, Kalamazoo, MI 49009, United States|
|Any Risk Insured||4215 W Main St #1, Kalamazoo, MI 49006, United States|
|Stan Ellis - State Farm Insurance Agent||905 East Cork Street, Kalamazoo, MI 49001, United States|
|Rich DuBois - State Farm Insurance Agent||3415 W Main St, Kalamazoo, MI 49006, United States|
|State Farm: Mike May||2275 S 11th St, Kalamazoo, MI 49009, United States|
|Sabrina Pritchett-Evans - State Farm Insurance Agent||2618 Portage Street, Kalamazoo, MI 49001, United States|
Car Insurance Requirements
Minimum auto insurance requirements in Michigan are a bit more involved than in most states. Michigan is a no-fault state meaning personal injury protection (PIP) is mandatory. Drivers are also required to hold personal property insurance (PPI). These extra requirements make paying for car insurance in Michigan one of the most expensive in the country. Below you can see all the required limits by the state of Michigan.
|Type of Coverage||Limits|
|Bodily Injury Liability (BI)||$20,000 per person/ $40,000 per accident|
|Property Damage Liability (PD)||$10,000 per accident|
|Personal Injury Protection (PIP)||Unlimited|
|Property Protection Insurance (PPI)||Up to $1 million|
Personal Injury Protection
Personal injury protection is required in Michigan. The coverage ensures your injuries are covered in an accident regardless if you or the other driver caused the accident. PIP is unlimited in Michigan, so your medical bills can reach any number and your insurer will cover you. As well, if you are disabled in an accident, PIP will cover your lost wages up to a certain amount until you recover. Of course, these great benefits makes rates more expensive, and it's one of the reasons why insurance costs so much in Michigan. You may help reduce your premium by coordinating your health insurance plan with your PIP. Your health plan will cover all of your injuries while PIP will cover lost wages. If you are on Medicaid or Medicare however, you won't be able to coordinate.