Car Insurance in Kalamazoo, Michigan

Car Insurance in Kalamazoo, Michigan

Find Cheap Auto Insurance Quotes in Kalamazoo

Currently insured?

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.

Graph shows the five cheapest insurers in Westland Michigan

Find Cheap Auto Insurance Quotes in Kalamazoo

Currently insured?

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:


Yearly Rate


Hastings Mutual$1,092






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


Bodily Injury Liability (BI)

$20,000 per person/ $40,000 per accident

Property Damage Liability (PD)

$10,000 per accident

Personal Injury Protection (PIP)


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.

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.