Best Cheap Auto Insurance in Kalamazoo, MI (2021)

The average Kalamazoo, MI auto insurance rates are $749 per month. The minimum auto insurance in Kalamazoo is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Kalamazoo, Michigan, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 4, 2022

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • The minimum auto insurance required in Kalamazoo, Michigan is 20/40/10
  • The cheapest auto insurance company in Kalamazoo is USAA
  • The most expensive auto insurance company in Kalamazoo for teen drivers is Allstate

Kalamazoo, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Kalamazoo can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Kalamazoo, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Kalamazoo to other Michigan cities, including Dearborn auto insurance rates, Livonia auto insurance rates, and Lansing auto insurance rates to see how Kalamazoo, Michigan auto insurance rates stack up.

Before you buy Kalamazoo, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Kalamazoo, Michigan auto insurance quotes.

Minimum Auto Insurance in Kalamazoo, Michigan

Kalamazoo, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Kalamazoo, Michigan.

Minimum Required Auto Insurance Coverage in Kalamazoo, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Kalamazoo, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Kalamazoo, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Kalamazoo, Michigan

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $16,359 $16,359 $15,193 $15,193 $40,575 $40,575 $17,234 $17,234
Farmers $4,004 $4,004 $3,736 $3,736 $8,952 $8,952 $4,503 $4,503
GEICO $3,642 $3,642 $3,734 $3,734 $10,475 $10,475 $3,486 $3,486
Liberty Mutual $12,609 $12,609 $12,485 $12,485 $29,512 $29,512 $12,609 $12,609
Nationwide $3,607 $3,607 $3,215 $3,215 $9,516 $9,516 $3,954 $3,954
Progressive $2,583 $2,416 $2,295 $2,531 $9,702 $10,444 $3,003 $2,822
State Farm $6,485 $6,485 $6,011 $6,011 $22,868 $22,868 $7,627 $7,627
Travelers $5,051 $5,051 $4,337 $4,337 $15,214 $15,214 $5,485 $5,485
USAA $2,379 $2,269 $2,236 $2,119 $5,922 $5,680 $2,916 $2,819

Cheap Kalamazoo, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Kalamazoo, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Kalamazoo, Michigan.

Annual Auto Insurance Rates for Teen Drivers in Kalamazoo, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $40,575 $40,575
Farmers $8,952 $8,952
GEICO $10,475 $10,475
Liberty Mutual $29,512 $29,512
Nationwide $9,516 $9,516
Progressive $9,702 $10,444
State Farm $22,868 $22,868
Travelers $15,214 $15,214
USAA $5,922 $5,680

Cheap Kalamazoo, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in Kalamazoo, Michigan? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Kalamazoo, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,193 $15,193
Farmers $3,736 $3,736
GEICO $3,734 $3,734
Liberty Mutual $12,485 $12,485
Nationwide $3,215 $3,215
Progressive $2,295 $2,531
State Farm $6,011 $6,011
Travelers $4,337 $4,337
USAA $2,236 $2,119

Cheap Kalamazoo, Michigan Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Kalamazoo, Michigan compared to the annual auto insurance rates with a clean record in Kalamazoo, Michigan.

Annual Kalamazoo, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,877 $14,535 $48,726 $15,223
Farmers $4,453 $5,672 $5,599 $5,470
GEICO $1,856 $3,974 $12,051 $3,457
Liberty Mutual $11,630 $14,142 $26,465 $14,978
Nationwide $4,359 $5,780 $5,261 $4,892
Progressive $3,822 $4,974 $4,465 $4,636
State Farm $6,791 $8,167 $17,802 $10,231
Travelers $5,078 $7,262 $11,746 $6,001
USAA $2,652 $3,303 $4,324 $2,891

Cheap Kalamazoo, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Kalamazoo, Michigan is not easy. Compare the annual rates for DUI auto insurance in Kalamazoo, Michigan to find the best deal.

Annual Auto Insurance Rates After a DUI in Kalamazoo, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $48,726
Farmers $5,599
GEICO $12,051
Liberty Mutual $26,465
Nationwide $5,261
Progressive $4,465
State Farm $17,802
Travelers $11,746
USAA $4,324

Cheap Kalamazoo, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Kalamazoo, Michigan annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Kalamazoo, Michigan

Insurance Company Poor Fair Good
Allstate $33,937 $18,765 $14,320
Farmers $6,983 $4,634 $4,279
GEICO $6,855 $5,043 $4,106
Liberty Mutual $26,564 $15,354 $8,494
Nationwide $6,318 $4,801 $4,100
Progressive $5,124 $4,351 $3,948
State Farm $17,423 $8,823 $5,997
Travelers $7,707 $7,476 $7,383
USAA $4,914 $2,809 $2,156

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Cheap Kalamazoo, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Kalamazoo, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Kalamazoo, Michigan to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Kalamazoo, Michigan

ZIP Code Average Annual Rates
49001 $6,352
49004 $6,256
49006 $6,333
49007 $6,487
49008 $6,312
49009 $6,299

Cheap Kalamazoo, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect Kalamazoo, Michigan auto insurance. Find the cheapest annual Kalamazoo, Michigan auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Kalamazoo, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $22,340 $22,340
Farmers $5,299 $5,299
GEICO $5,215 $5,454
Liberty Mutual $16,229 $17,379
Nationwide $5,073 $5,073
Progressive $4,475 $4,475
State Farm $10,468 $11,027
Travelers $7,479 $7,565
USAA $3,256 $3,329

Cheap Kalamazoo, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Kalamazoo, Michigan? Check out the comparison of annual Kalamazoo, Michigan auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Kalamazoo, Michigan

Insurance Company Low Medium High
Allstate $21,789 $22,390 $22,843
Farmers $5,174 $5,287 $5,435
GEICO $4,993 $5,288 $5,723
Liberty Mutual $16,400 $16,765 $17,246
Nationwide $5,287 $4,992 $4,939
Progressive $4,353 $4,479 $4,592
State Farm $10,256 $10,808 $11,178
Travelers $7,443 $7,530 $7,593
USAA $3,200 $3,300 $3,378

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Best By Category: Cheapest Auto Insurance in Kalamazoo, Michigan

Compare the cheapest auto insurance companies in Kalamazoo, Michigan in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Kalamazoo, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Kalamazoo, Michigan Auto Insurance Companies

What auto insurance companies in Kalamazoo, Michigan are the cheapest? Compare the top Kalamazoo, Michigan auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Kalamazoo, Michigan

Insurance Company Average Annual Rates
Allstate $22,340
Farmers $5,299
GEICO $5,334
Liberty Mutual $16,804
Nationwide $5,073
Progressive $4,475
State Farm $10,748
Travelers $7,522
USAA $3,293

What affects auto insurance rates in Kalamazoo, Michigan?

There are a lot of reasons why auto insurance rates in Kalamazoo, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Kalamazoo, Michigan. Many local factors may affect your Kalamazoo auto insurance rates.

Kalamazoo Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Kalamazoo, Michigan auto theft statistics, there have been 337 auto thefts in the city.

Kalamazoo Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Kalamazoo, Michigan commute length is 18.0 minutes according to City-Data.

Kalamazoo Traffic

How does Kalamazoo, Michigan rank for traffic? According to Inrix Kalamazoo, Michigan is the 969th most congested worldwide.

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Compare Kalamazoo, Michigan Auto Insurance Quotes

Before you buy Kalamazoo, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Kalamazoo, Michigan auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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