Who Has the Cheapest Car Insurance in Kalamazoo, Michigan?

Who Has the Cheapest Car Insurance in Kalamazoo, Michigan?

Find Cheap Auto Insurance Quotes in Kalamazoo

Currently insured?

The best price for basic car insurance in Kalamazoo is $805 per year, available at Frankenmuth Insurance. That's 55% cheaper than the citywide average of $1,786 per year.

We found that Progressive had the best rates for full coverage, at just $1,296 per year — 65% less than the city average of $3,707.

{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for minimum liability","cloudinaryImageName":"referral_logos\/us\/insurance\/frankenmuth-1","link":"#Kalamazoo-cheapest-companies","linkText":"Cheapest for minimum liability"}
{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for full coverage","cloudinaryImageName":"referral_logos\/us\/insurance\/progressive-2","link":"#full-coverage","linkText":"Cheapest for full coverage"}
{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for accident history","cloudinaryImageName":"referral_logos\/us\/insurance\/progressive-2","link":"#accident","linkText":"Cheapest for accident history"}
{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for young drivers","cloudinaryImageName":"referral_logos\/us\/insurance\/autoowners-3","link":"#young","linkText":"Cheapest for young drivers"}

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 auto insurance in Kalamazoo: Frankenmuth

We found the best widely available rates overall at Frankenmuth Insurance. Its impressively low rate of $805 per year is 55% cheaper than the average rate citywide.

We also found that Progressive and Auto-Owners had affordable rates — all were below $900 per year.

The single cheapest option for car insurance is from USAA, at just $491 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.

Find Cheap Auto Insurance Quotes in Kalamazoo

Currently insured?
Rank
Company
Annual rate
1Frankenmuth Insurance$805
2Progressive$820
3Auto-Owners$877
4State Farm$2,004
5Hanover$2,081
6AAA$2,702
7Allstate$4,506
N/A*USAA$491

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

Cheapest full coverage 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, it was the only widely available insurer to offer us a rate below $2,000 for full coverage.
Rank
Company
Annual rate
1Progressive$1,296
2Auto-Owners$2,178
3Frankenmuth$2,221
4State Farm$3,204
5AAA$4,536
6Hanover$5,910
7Allstate$8,932
N/A*USAA$1,383

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

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.
{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Cp\u003EIn addition to the liability and personal injury protections required by Michigan state law, full coverage insurance also includes the following:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EComprehensive coverage\u003C\/strong\u003E: Pays for damage to your car from a source other than a crash, including vandalism, theft or damage from an animal.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ECollision coverage\u003C\/strong\u003E: Pays for damage to your car in a crash, regardless of who's responsible.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n","padding":"double"}

Cheap car insurance for drivers with prior incidents

Insurance companies use your driving history as a primary way to set car insurance rates. They've found that a driver with a recent incident on their record is more likely to file a claim or get in a crash, and charge higher rates accordingly.

It's even more important to shop around for car insurance after an at-fault crash or a speeding ticket, since the difference in rates will likely increase even more.

Cheapest car insurance in Kalamazoo after an accident

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 $1,667 per year for full coverage. That's 70% cheaper than the average rate we found and $837 less than the second-cheapest option, Auto-Owners.

Rank
Company
Annual rate
1Progressive$1,667
2Auto-Owners$2,504
3Frankenmuth$2,906
4State Farm$3,843
5AAA$9,388
6Hanover$9,471
7Allstate$12,800
N/A*USAA$1,897

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

Cheapest car insurance for 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 $1,624 per year, or 67% less than the average cost we found overall.

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.

Rank
Company
Annual rate
1Progressive$1,624
2Frankenmuth$2,483
3Auto-Owners$2,504
4State Farm$4,163
5Hanover$8,205
6AAA$9,388
7Allstate$9,733
N/A*USAA$1,732

*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 $10,407 per year 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 $1,521 per year. That's 87% less expensive than the Kalamazoo average. Auto-Owners also offered comparatively affordable rates, at $5,028 annually.

Rank
Company
Annual rate
1Progressive$1,521
2Auto-Owners$5,028
3State Farm$8,318
4Frankenmuth$9,920
5Hanover$11,427
6AAA$15,307
7Allstate$41,520
N/A*USAA$2,382

*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 $3,768 per year for minimum coverage in Kalamazoo.

However, younger drivers can get a better deal at Auto-Owners. The typical rate of $1,700 was 55% less than the average citywide. Frankenmuth Insurance also had good rates, at $2,294 per year.

Rank
Company
Annual rate
1Auto-Owners$1,700
2Frankenmuth$2,294
3Progressive$2,717
4AAA$4,503
5Hanover$4,926
6State Farm$5,284
7Allstate$7,931
N/A*USAA$791

*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.

Here's how the cost of car insurance varies by neighborhood in Kalamazoo:

Zip code
Full coverage
Minimum coverage
49001$3,696$1,793
49004$3,833$1,904
49006$3,711$1,782
49007$3,832$1,854
49008$3,598$1,720
49009$3,613$1,705
49048$3,668$1,743

*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.

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.