Best Cheap Car Insurance in Kalamazoo, Michigan
Progressive has the cheapest auto insurance in Kalamazoo for most people. A full coverage policy costs $140 per month, on average.
Compare Car Insurance Rates in Kalamazoo, MI
Best cheap car insurance in Kalamazoo, MI
Best and cheapest car insurance in Kalamazoo, Michigan
- Cheapest full coverage: Progressive, $140/mo
- Cheapest minimum liability: Auto-Owners, $48/mo
- Cheapest for young drivers: Auto-Owners, $76/mo
- Cheapest after a ticket: Progressive, $169/mo
- Cheapest after an accident: Auto-Owners, $179/mo
- Cheapest for teens after a ticket: Auto-Owners, $89/mo
- Cheapest after a DUI: Progressive, $159/mo
Monthly rates are for full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Progressive has the cheapest auto insurance for most people in Kalamazoo, Michigan. But, the company doesn't offer the best customer service.
USAA has the cheapest rates and best customer service among top car insurance companies in Kalamazoo, MI. But, USAA only sells coverage to current and former military members and their immediate families.
Cheapest car insurance in Kalamazoo: Progressive
Progressive has the cheapest car full coverage insurance in Kalamazoo for most people.
The company charges an average of $140 per month for a full coverage policy. That's about 35% cheaper than the Kalamazoo city average.
Find Cheap Auto Insurance Quotes in Kalamazoo
Keep in mind that Progressive has a below-average reputation for customer satisfaction. Consider Auto-Owners if you don't mind paying a little more for better service. A full coverage policy from Auto-Owners costs $153 per month, on average.
USAA has the cheapest rates overall for full coverage car insurance in Kalamazoo, at an average of $127 per month. Plus, the company has a strong reputation for customer service. But, you can only get a USAA policy if you are a current or former military member or an eligible family member.
Cheapest full coverage car insurance in Kalamazoo
Company | Monthly rate | ||
|---|---|---|---|
| Progressive | $140 | |
| Auto-Owners | $153 | |
| AAA | $159 | |
| Farm Bureau | $179 | |
| State Farm | $208 | |
*USAA is only available to current and former military members and their families.
Cheapest minimum coverage in Kalamazoo, MI: Auto-Owners
Auto-Owners has the most affordable minimum liability coverage in Kalamazoo, Michigan. The company charges $48 per month, on average. That's about 41% cheaper than the Kalamazoo city average.
Best cheap liability auto insurance
Company | Monthly rate |
|---|---|
| Auto-Owners | $48 |
| AAA | $53 |
| Progressive | $64 |
| Farm Bureau | $65 |
| State Farm | $91 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Kalamazoo
Cheapest car insurance for Kalamazoo teens: Auto-Owners
Auto-Owners has the cheapest car insurance for Kalamazoo teen drivers.
The company charges 18-year-olds an average of $76 per month for a liability-only policy. That's around one-third of the city average.
Auto-Owners also has the most affordable full coverage car insurance in Kalamazoo for teen drivers, at $265 per month, on average. That's about half the city average.
Monthly car insurance rates for teen drivers
Company | Liability only | Full coverage |
|---|---|---|
| Auto-Owners | $76 | $265 |
| AAA | $101 | $334 |
| Farm Bureau | $105 | $291 |
| Progressive | $190 | $632 |
| Allstate | $217 | $558 |
*USAA is only available to current and former military members and their families.
The best way for Kalamazoo teen drivers to save on their monthly rate is by staying on a policy with their parents. It's also a good idea to take advantage of discounts for teen drivers.
For example, many companies will lower your monthly rate if you leave your car at home while you're at college or if you maintain a certain GPA or class rank. [/border]
Cheapest auto insurance after a speeding ticket: Progressive
Progressive has the cheapest car insurance in Kalamazoo for drivers with a speeding ticket, at an average cost of $169 per month for full coverage. That's that's less than two-thirds the Kalamazoo city average.
Cheapest coverage after a speeding ticket
Company | Monthly rate |
|---|---|
| Progressive | $169 |
| Auto-Owners | $179 |
| Farm Bureau | $179 |
| AAA | $191 |
| State Farm | $266 |
*USAA is only available to current and former military members and their families.
In Kalamazoo, a speeding ticket will raise your monthly rate by a little over a quarter, on average.
Cheapest car insurance after an accident: Auto-Owners
Auto-Owners has the cheapest car insurance for Kalamazoo drivers who've caused an accident. The company charges $179 per month, on average, for full coverage.
That's roughly 40% cheaper than the Kalamazoo city average.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| Auto-Owners | $179 |
| Progressive | $195 |
| Farm Bureau | $219 |
| AAA | $230 |
| State Farm | $247 |
*USAA is only available to current and former military members and their families.
Getting in a crash increases the cost of car insurance in Kalamazoo by 40%, on average. You can lower what you pay for car insurance after an at-fault accident by shopping around and comparing quotes.
The difference between the cheapest car insurance company in Kalamazoo after a crash, Progressive, and the most expensive company, Hanover, is $477 per month, on average.
Cheapest quotes for teens after a ticket or accident: Auto-Owners
Auto-Owners has the cheapest rates for Kalamazoo teenagers with a ticket or an accident on their record.
The company charges an average of $89 per month for minimum coverage for teen drivers with a speeding ticket. That's almost two-thirds cheaper than the city average.
Auto-Owners also has the most affordable coverage for teen drivers in Kalamazoo who've been in an at-fault accident, at $89 per month, on average. That's also roughly two-thirds less than the Kalamazoo city average.
Monthly minimum coverage rates for Kalamazoo teens with a traffic violation
Company | Ticket | Accident |
|---|---|---|
| Auto-Owners | $89 | $89 |
| Farm Bureau | $105 | $128 |
| AAA | $112 | $128 |
| Progressive | $196 | $208 |
| Allstate | $295 | $312 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with a DUI: Progressive
Progressive has the cheapest coverage for Kalamazoo drivers with a DUI, at an average cost of $159 per month for full coverage. That's about one-third the Kalamazoo city average.
Cheapest Kalamazoo car insurance after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $159 |
| Auto-Owners | $352 |
| Farmers | $374 |
| AAA | $401 |
| Farm Bureau | $452 |
*USAA is only available to current and former military members and their families.
In Kalamazoo, a DUI raises the cost of car insurance by 142%, on average.
Keep in mind, your rate won't increase until your next policy renewal. It's a good idea to shop around and compare quotes at that time to get the cheapest rates.
Average car insurance rates in Kalamazoo by neighborhood
Westwood and Arcadia have the most expensive average rates for car insurance in Kalamazoo, at $231 per month for full coverage. You can find the cheapest coverage in Oakland-Winchell, at an average cost of $205 per month.How much you pay for car insurance in Kalamazoo differs depending on where you live. That's because some areas get more claim filings than others because of factors like vandalism, traffic and theft.
ZIP | Monthly rate | % from average |
|---|---|---|
| 49001 | $215 | -1% |
| 49004 | $219 | 0% |
| 49006 | $231 | 6% |
| 49007 | $228 | 5% |
| 49008 | $205 | -6% |
What's the best car insurance coverage in Kalamazoo, MI?
Most Kalamazoo drivers should get full coverage car insurance.
A full coverage policy pays for collision and comprehensive coverage.
- Collision coverage: This pays to repair your car after an accident regardless of who caused the crash.
- Comprehensive coverage: This covers damage caused by anything other than a car crash, such as vandalism, a storm or theft.
Most lenders require that you get full coverage car insurance before you can get a lease or a loan.
A serious accident could leave you responsible for paying tens or even hundreds of thousands of dollars if you have a minimum liability policy. A full coverage policy can protect you from debt or even bankruptcy.
Frequently asked questions
Who has the cheapest auto insurance in Kalamazoo, MI?
Progressive has the cheapest car insurance in Kalamazoo for most people, at an average cost of $140 per month for full coverage. USAA has a cheaper average rate, at $127 per month. But, you can only get a USAA policy if you are a current or former military member or a qualified family member.
What's the best car insurance in Kalamazoo, Michigan?
USAA, State Farm, Farm Bureau and AAA offer the best customer service in Kalamazoo. These companies have strong reputations for customer satisfaction according to a recent J.D. Power study.
How much does car insurance cost in Kalamazoo, Michigan?
A full coverage car insurance policy in Kalamazoo costs $214 per month, on average. That's almost a fifth less than the Michigan state average of $263 per month.
Methodology
To find the best cheap car insurance in Kalamazoo, MI, ValuePenguin collected quotes from nine of the most popular insurance companies in Michigan. Rates are for a 30-year-old single man with good credit and no accident history who drives a 2015 Honda Civic EX.
Full coverage policies include comprehensive and collision coverage, plus liability limits that meet the Michigan state requirements.
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000 per accident
- Personal injury protection: $250,000
- Property protection insurance: $1 million per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person, $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates came from public insurance company filings and should be used for comparative purposes only. Your own quotes may differ.
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.