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Cheapest car insurance in Kalamazoo, Michigan (Apr 2024)
Cheapest car insurance in Kalamazoo, Michigan (Apr 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Kalamazoo, Michigan.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Kalamazoo, Michigan
- Best car insurance companies in Kalamazoo
- Best cheap car insurance quotes in Kalamazoo
- Average cost of auto insurance in Kalamazoo, Michigan
- Car insurance quotes in Kalamazoo by rating factors
- How do different factors impact your car insurance costs in Kalamazoo?
- Cheap car insurance quotes in Kalamazoo after driving violations
- Cheap car insurance quotes in Kalamazoo by age
- Cheap car insurance quotes in Kalamazoo based on insurance history
- Cheap car insurance quotes in Kalamazoo for popular cars
- How to lower car insurance costs in Kalamazoo
- FAQ
- Sources
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Kalamazoo, Michigan
The average cost for minimum coverage liability insurance is around $115 per month in Kalamazoo,
Michigan
. As for full coverage insurance, it averages around $200 per month. Kalamazoo drivers pay about the same for insurance as people do across the state.It’s obvious that an
affordable car insurance
policy keeps costs low—but it’s not always clear how you find it. The truth is, no car insurance provider offers the cheapest rates for every driver. Comparing auto insurance quotes from different companies is important to ensure you get the best deal for your insurance needs. Jerry helps you find and compare insurance rates from dozens of providers, ensuring you get the best prices and exactly the coverage you’re looking for. Let’s take a quick look at rates real Kalamazoo policyholders found with Jerry.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $224 | Fred, 49 Zip: 49001 | Cadillac SRX Performance Collection | • State Minimum Liability |
| Safeco | $153 | Maud, 59 Zip: 49004 | Mini Cooper Clubman | • 100,000/300,000 Liability • Comp / Collision |
| Bristol West | $66 | Mary, 28 Zip: 49007 | KIA Sportage X Line | • State Minimum Liability |
Last Updated Apr 18, 2024Best car insurance companies in Kalamazoo
Jerry conducted the nation's largest insurance shopping survey to find the best auto insurance companies in Kalamazoo, MI. Over 15,000 verified policyholders from 50 states rated 87 insurance providers—including Allstate, State Farm, and Progressive—to see which company offered the best price, claims handling, customer service, and overall rating.
You may be disappointed to learn there’s no single best or cheapest car insurance provider. Auto insurance rates are highly personal, as are every driver’s priorities and insurance needs. On the bright side, Jerry now has ratings in multiple categories for the biggest providers in Kalamazoo.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
Liberty Mutual | 4.7 | 4.7 | N/A | 4.3 |
| Safeco | 4.7 | 3.7 | N/A | 4.7 |
| Progressive | 4.2 | 3.6 | 3.4 | 4.1 |
| State Farm | 4 | 3.1 | 4.3 | 4.2 |
| Geico | 4 | 3 | N/A | 3.8 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
If you’d like to quickly and effortlessly search for the most affordable car insurance rates in Kalamazoo, consider using a car insurance comparison website or app.
Jerry offers a fast and user-friendly way to compare car insurance quotes from dozens of providers in minutes. Plus, it has a team of licensed insurance agents ready to answer your questions or help you cancel your old insurance policy once you’ve found a better deal.
Best cheap car insurance quotes in Kalamazoo
From
Detroit
to Lansing
and Grand Rapids
to Kalamazoo, every driver in Michigan must meet the state minimum insurance requirements
. They include liability insurance, personal injury protection, and property protection insurance.Cheap minimum liability insurance quotes in Kalamazoo
Michigan’s minimum car insurance requirements
are more comprehensive than most other states. If you buy an auto insurance policy after July 2, 2020, it must include at least:- $100,000 of residual BI liability coverage per accident
- $10,000 ofproperty damage liability(PD) per accident (only applies to at-fault accidents in other states)1
- $250,000 of Personal Injury Protection (PIP), unless a named insured or household member has alternate health insurance2
- Up to $1,000,000 of Property Protection Insurance (PPI)3
Insurers often shorten the liability coverage limits to “50/100/10”. By default, every car insurance policy sold in the Great Lake state includes 250/500/10 BI/PD and the “unlimited” PIP option. You have to submit a written form to lower your limits and choose a different option, but you can never go lower than the above amounts.
Kalamazoo, MI, customers found these deals on their desired level of coverage by using Jerry:
Essie (36 years old)
$134
per month
Mary (28 years old)
$66
per month
Do you need more than minimum coverage in Kalamazoo?
Most motorists in Michigan prefer to carry more than the state minimum insurance coverage for complete peace of mind.
Don’t forget
Michigan’s car accident laws
make you responsible for any damages that result from an at-fault car accident. Medical expenses and vehicle repair bills can easily exceed the 50/100/10 BI/PD coverage, especially if a severe injury or total loss vehicle is involved.The bottom line: Expert insurance agents recommend raising your liability coverage limits to 100/300/100 to protect your current and future assets from an expensive accident.
Cheap full coverage car insurance quotes in Kalamazoo
Remember, neither Property Damage liability (PD) nor Property Protection Insurance (PPI) covers repairs to or a replacement of your own vehicle. They only benefit the other parties.
- Collision coverage:Collision insurance repairs or replaces your car if it’s damaged in an impact with another vehicle or object, even if you’re the one at fault.
- Comprehensive coverage:Comprehensive insurance covers vandalism, extreme weather damages, and theft.
Most dealerships and lenders ask lease and finance customers to carry full coverage car insurance for the duration of their contract.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $134 | Essie, 36 Zip: 49004 | Dodge Journey Crossroad |
• 100,000/300,000 Liability • Comp / Collision | Safeco | $151 | Daniel, 24 Zip: 49006 | Honda Civic LX |
• 100,000/300,000 Liability • Comp / Collision | Bristol West | $330 | Cole, 47 Zip: 49048 | Buick Enclave Premium |
Last Updated Apr 13, 2024
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of auto insurance in Kalamazoo, Michigan
Jerry discovered that in Kalamazoo, Michigan, the average monthly car insurance rates for minimum coverage are $115 per month ($1,380 per year). For full coverage, they’re about $200 per month ($2,400 per year).
The average rates can give you an idea of how much car insurance might cost in Kalamazoo, but they leave out a lot of important factors. Personalized car insurance quotes are much more accurate because they consider your age, driving record, insurance history, and what kind of car you drive. If you want to know how much car insurance will cost, it's best to get personalized quotes.
Average cost of car insurance in Kalamazoo by zip code
Insurance companies factor various things into your premiums, including your ZIP code.
Your insurance costs will change depending on how many people live in your neighborhood, how often people get into car accidents, the local crime rates, and the frequency of extreme weather. An insurance provider could give you and your friend from across town completely different quotes, even if you select the same coverage!
The table below shows how the average insurance rates in Kalamazoo change depending on your ZIP code.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
49001 | $97 | $188 |
49006 | $158 | $174 |
Car insurance quotes in Kalamazoo by rating factors
Providers require a range of personal rating factors to calculate your
car insurance premiums
, including:- Your driving record and claims history: At-fault accidents, traffic citations, and serious driving convictions are bad news for your insurance rates.
- Your location: Urban drivers pay more than rural ones, and even different ZIP codes within the same city will get different auto insurance quotes.
- Your mileage: Using your car for occasional leisure is generally safer than for regular, traffic-heavy commutes, and insurance companies charge accordingly.
- Your vehicle: You’ll pay more for collision and comprehensive coverage if you drive a luxury, high-performance, or sports car.
Not all auto insurance providers weigh these rating factors the same way, so asking for personalized car insurance quotes (or using a quote comparison website or app) is the only way to budget accurately.
How do different factors impact your car insurance costs in Kalamazoo?
How do different factors impact your car insurance costs in Kalamazoo?
Allowed (with applicable limitations): Driving experience, gender, age, credit history, education, employment status, marital status, residential status.
Prohibited (or effectively prohibited): Occupation.
Learn more about the car insurance rating factors in Kalamazoo:
Cheap car insurance quotes in Kalamazoo after driving violations
Your past driving behavior greatly influences your annual premiums.
High-risk drivers
usually have a driving history of traffic tickets, moving violations, and at-fault accidents.Insurance providers will charge you more if you have any of the following on your
Michigan driving record
:Cheapest car insurance in Kalamazoo after DUI
A
DUI conviction in Michigan
will greatly increase your car insurance rates—perhaps much higher than any other driving violation. With a DUI on record, the auto insurance quotes you receive will differ substantially between providers. Often, finding the cheapest option means requesting and comparing multiple quotes.
Kalamazoo drivers with a DUI conviction found these auto insurance rates through Jerry:
Eunice (30 years old)
$95
per month
Cheapest car insurance in Kalamazoo after an at-fault accident
Your car insurance rates draw significantly on your driving and insurance claim history. Providers want to know how much you could cost them as a driver before they take you on as a policyholder.
Any recent car crashes will spike the insurance rates you can find in Kalamazoo.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $134 | Hunter, 36 Zip: 49004 | Dodge Journey Crossroad | • State Minimum Liability • Comp / Collision |
Not At Fault | Safeco | $153 | Joseph, 59 Zip: 49004 | Mini Cooper Clubman | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Bristol West | $213 | Oscar, 38 Zip: 49009 | Volkswagen Jetta SEL Premium | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Apr 18, 2024Cheapest car insurance in Kalamazoo after other driving violations
Unfortunately, even if you don’t spot your specific driving violation in this list—whether for reckless driving or driving uninsured—it doesn’t mean your car insurance rates will escape unscathed.
Below is a list of where Kalamazoo drivers found cheap insurance rates with Jerry after various violations.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Yield | Progressive | $315 | Hulda, 32 Zip: 49048 | KIA Forte FE | • 100,000/300,000 Liability • Comp / Collision |
Failure to Yield | Safeco | $131 | Evelyn, 38 Zip: 49009 | Volkswagen Jetta SEL Premium | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Apr 18, 2024Cheap car insurance quotes in Kalamazoo by age
To summarize Jerry’s data,
car insurance for new drivers
starts high, drops after the age of 25, decreases into middle age, and rises again as drivers near their mid-70s. You can find tips on saving in every age group in the sections below.Cheapest car insurance in Kalamazoo for young drivers
It’s hard to find
affordable car insurance for teen drivers
because they get into more accidents in Michigan than any other age group. If you’ve got a teen driver between 16 and 19, consider adding full coverage to your policy to pay for their driving mistakes. And don’t forget to compare quotes to find the cheapest option!While it’s tough to find cheap coverage for teen motorists, young motorists still found cheap rates with Jerry.
Bradley (23 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Kalamazoo, MI (Zip Code: 49009)
$68
per month
Belle (22 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Kalamazoo, MI (Zip Code: 49009)
$288
per month
Cheapest car insurance in Kalamazoo for senior drivers
As drivers age, their chances of being involved in accidents and sustaining severe injuries increase. As a result,
car insurance for seniors
in their mid-70s and beyond increases in price. Jerry assisted senior drivers in Kalamazoo find more affordable car insurance rates, as shown below.
Cheap car insurance quotes in Kalamazoo based on insurance history
A continuous insurance history with no
car insurance lapses
helps you save money. If there’s any point in time during which you didn't have auto insurance coverage, you’ll probably pay higher rates, even if it wasn’t your fault.By providing free quotes, Jerry helps Kalamazoo drivers without insurance or with insurance gaps save money. And to help them make a fresh start, the app also offers automatic reminders for upcoming or missed payments.
Here are just a few of the rates policyholders found with Jerry.
Timothy (49 years old)
Currently Insured
CoverageState Minimum
Kalamazoo, MI (Zip Code: 49001)
$224
per month
Matilda (59 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Kalamazoo, MI (Zip Code: 49004)
$153
per month
Trevor (49 years old)
Currently Insured
CoverageState Minimum
Kalamazoo, MI (Zip Code: 49001)
$528
per month
Antonio (49 years old)
Currently Insured
CoverageState Minimum
Kalamazoo, MI (Zip Code: 49001)
$224
per month
Scott (49 years old)
Currently Insured
CoverageState Minimum
Kalamazoo, MI (Zip Code: 49001)
$528
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I absolutely love being with Liberty Mutual. They are always making sure I'm informed of any changes in the laws or my policy
Desiree
They've been great so far
Jon
Wonderful customer service
Gage
Quick an easy to work with! Good pricing!
Justin
Cheap car insurance quotes in Kalamazoo for popular cars
Next time you buy a new car, don’t forget to consider how its safety ratings and driver assistance technology could affect your monthly and annual premiums. Insurers weigh how likely you are to make a claim based on your car’s purchase price, repair costs, anti-theft measures, and more.
The five most popular cars around the Great Lake State are:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Civic EX | Progressive | $91 | Eugene, 45 Zip: 49008 | • 100,000/300,000 Liability • Comp / Collision |
| Nissan Rogue S | Progressive | $102 | Adele, 40 Zip: 49007 | • 100,000/300,000 Liability |
| Chevrolet Silverado K1500 | Progressive | $108 | Amanda, 26 Zip: 49048 | • 100,000/300,000 Liability • Comp / Collision |
| Toyota Corolla LE | Progressive | $127 | Adam, 27 Zip: 49007 | • State Minimum Liability • Comp / Collision |
Last Updated Apr 17, 2024Cheapest car insurance in Kalamazoo for new vs. old car
New cars typically cost more to insure than old ones, but exceptions exist. For comparison, full coverage for a 2000 Honda Civic model averages out to $160 per month, whereas a 2024 model could cost up to $450 per month.
Jerry can help you find the sweet spot between price and coverage with free quotes on demand.
Fred (49 years old)
$224
per month
Maud (59 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Kalamazoo, MI (Zip Code: 49004)
$153
per month
Cole (47 years old)
2019 Buick Enclave Premium
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Kalamazoo, MI (Zip Code: 49048)
$330
per month
How to lower car insurance costs in Kalamazoo
1. Shop around and compare quotes
It’s not as exciting as most other forms of shopping, but experts recommend
car insurance shopping
between at least three different providers every six months. It’ll ensure that you're getting the lowest rates for coverage options in Kalamazoo.Jerry makes checking local insurance deals quick and hassle-free. The app automatically compares quotes from top providers and presents the five to seven lowest rates in Kalamazoo so you can see if you’re missing out.
2. Hunt for car insurance discounts
Car insurance discounts
can help you rack up savings over years and years. Call up your insurance provider to ask if they offer programs like:- Good driver discounts: Keep aclean driving recordfor at least three years, and you may be eligible for savings.
- Telematics device discounts: Install a telematics device in your car, and you could save money by driving calmly and safely rather than braking hard or speeding.
- Good student discounts: Maintain a B average or better in high school or college, and you could save money on your car insurance.
- Homeowners insurance bundle discounts:Bundle your auto and home insurance, and you could save money on both policies. Large insurance companies offer a range of other products—like life insurance, business insurance, motorcycle insurance, roadside assistance, and renters insurance—that are also eligible for bundling.
3. Increase your deductible for comprehensive and collision coverage
If you want to save on car insurance without losing valuable coverage, consider raising your deductible for collision and comprehensive insurance.
Why is car insurance in Kalamazoo so expensive?
Kalamazoo insurance is expensive because Michigan car insurance costs a lot overall. Here are the factors pushing up rates in the Great Lake State:
- Dense population: Michigan is a populous state; in its most crowded cities, there’s a lot of traffic and car accidents, which increase local insurance rates.
- Healthcare expenses: Liability and PIP insurance include medical treatment, so the higher medical expenses rise, the higher insurance costs do, too.
- Highway traffic: There are a lot of highways in Michigans, which means more car accidents and—you guessed it—car insurance premiums.
- Natural disasters: Extreme weather damage costs a lot to fix, so insurance rates are higher in vulnerable areas.
- Theft: If insurers have to pay to replace many stolen cars in a certain ZIP code, they pass the costs onto consumers.
- Uninsured drivers: Uninsured drivers contribute to state car accident costs without paying any premiums, so insured drivers bear the burden of increased rates.
FAQ
How much is car insurance in Kalamazoo?
Kalamazoo drivers spend around $115 per month or $1,380 per year on state minimum liability coverage—full coverage costs around $200 per month or $2,400 per year.
However, comparing car insurance quotes from different providers is the most reliable way to determine your costs.
What is the cheapest car insurance in Kalamazoo?
The minimum car insurance coverage required by law in Kalamazoo is:
- $50,000 of residual bodily injury liability (BI) coverage per person
- $100,000 of residual BI liability coverage per accident
- $10,000 of property damage liability (PD) per accident (only applies to at-fault accidents in other states)
- $250,000 of Personal Injury Protection (PIP), unless a named insured or household member has alternate health insurance
- Up to $1,000,000 of Property Protection Insurance (PPI)
What is the cheapest car insurance in Kalamazoo?
Kalamazoo motorists saw some of the most affordable coverage with providers like Travelers, Kemper, Mercury Auto, and National General. But because car insurance calculations depend so heavily on your driver profile, comparing quotes is essential to finding the cheapest option.
What is the best car insurance in Kalamazoo, Michigan?
Based on Jerry’s recent survey of the country's largest car insurance providers, Michigan drivers had positive experiences with Liberty Mutual, Safeco, and State Auto—and Kalamazoo drivers found some of the best rates with National General and Mercury Auto.
Keep in mind that the “best” company for you might be the stellar option for another driver. Most auto-owners want to find great coverage without breaking the bank. But depending on their needs, they might want a company that offers specialized products (like ATV coverage) or military discounts (like USAA). So, it depends on what you need!
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Jasmine Kanter
Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.
Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
