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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
If you live in Kalamazoo, you’ll pay an average of $222 per month for car insurance, according to our data. Kalamazoo’s rates are higher than the Michigan state average, which may be due to the state’s high rates of crime and uninsured drivers.[1]
The good news is that plenty of insurance companies offer rates well below the city average. For example, Auto-Owners, USAA, and Chubb have some of the lowest prices in town. Our research shows that Auto-Owners offers the cheapest average liability rate, at $59 per month.
Let’s explore the cheapest insurers in Kalamazoo, how to pick the right insurance company, and a few tips to help you save on your car insurance.
Auto-Owners has the lowest average monthly rate in Kalamazoo, at $59.
Kalamazoo drivers pay about $159 per month for liability coverage and $285 for full coverage.
Michigan law requires you to have personal injury protection (PIP), property protection insurance (PPI), and liability coverage to drive legally.
Regardless of Kalamazoo’s average rates, you can still find ways to save on your auto coverage. You can start by comparing companies to see which has the best deal for your situation. To get you started, we found several companies that offer Kalamazoo drivers prices well below the citywide average.
Here’s a look at the cheapest insurers in Kalamazoo, according to our data.
Company  | Average Monthly Premium |
|---|---|
| Auto-Owners | $59 |
| USAA | $60 |
| Chubb | $65 |
| GEICO | $91 |
| Safeco | $101 |
| Nationwide | $122 |
| State Farm | $123 |
| Progressive | $126 |
| Travelers | $143 |
| Direct Auto | $144 |
| Bristol West | $172 |
Auto-Owners tops our list with the cheapest average rate in Kalamazoo, at $59 per month. In the next sections, we’ll explore the cheapest companies by driver type and coverage level.
The companies above are a great place to start, but your actual rate can vary greatly depending on factors like your age, driving record, and even your address. That’s why it’s critical to shop around before buying your next policy.
The table below highlights the cheapest companies for a variety of backgrounds and coverage types, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $59 |
| Full coverage | Auto-Owners | $105 |
| Teens | Auto-Owners | $91 |
| Seniors | Auto-Owners | $48 |
| Drivers with a speeding ticket | Auto-Owners | $71 |
| Drivers with an at-fault accident | Auto-Owners | $72 |
| Drivers with a DUI | Auto-Owners | $88 |
| Drivers with excellent credit | Auto-Owners | $51 |
| Drivers with poor credit | USAA | $73 |
Next, we’ll take a closer look at rates by each coverage level and driver type.
Policies in Kalamazoo start as low as $59 per month.
The average rate for state-minimum coverage in Kalamazoo is $159, according to Compare.com data. Most experts recommend buying more than the state minimum because it often doesn’t protect you from big out-of-pocket costs after an accident.[2]
Still, if you just need a liability-only policy, the five companies in the chart below offer the lowest rates in Kalamazoo, according to our research.
Most drivers should consider full coverage, especially if you want protection for your own car in addition to what the state requires. Full coverage usually includes collision and comprehensive insurance, which pay for damage to your car from accidents, theft, weather, or vandalism. If you finance or lease your car, your lender will require you to have full coverage.[3]
The average rate for full coverage in Kalamazoo is $285. Even though full coverage costs more, several companies offer rates close to what you’d pay for liability coverage.
The chart below shows the five cheapest insurers in Kalamazoo for full coverage, according to our data.
Teen drivers pay some of the highest rates of any age group, mainly because they have less experience and are statistically more likely to get into accidents. In fact, teens pay nearly double what drivers 20 and older pay, according to the Insurance Institute for Highway Safety.[4]
In Kalamazoo, the average teen pays $315 per month for car insurance, but you can still find a good deal if you shop around.
The chart below highlights the five cheapest insurers in Kalamazoo for teens, according to Compare.com data.
Older drivers generally pay some of the lowest car insurance rates, with rates averaging $196 per month, according to our data. Not only do seniors have more driving experience, but they also tend to drive less and avoid late-night driving.[5]
Though senior rates are already lower than average, you can likely find an even better deal. The chart below shows the five cheapest insurers in Kalamazoo for seniors, according to Compare.com data.
Getting a ticket usually means your rates will go up when your policy renews, since insurance companies see tickets as a sign that you’re a riskier driver. Our research shows that even one speeding ticket can raise rates by 28% nationwide.
In Kalamazoo, drivers with a recent ticket pay an average of $255 per month, but some insurers offer more affordable options. Check out the chart below for the five cheapest companies in Kalamazoo for drivers with a recent ticket, according to Compare.com data.
Causing an accident can really bump up your rates. It indicates to insurers that you’re more likely to file another claim in the future.[6] On average, a single at-fault accident increases rates by 33% nationwide, according to our data.
Kalamazoo drivers with a recent accident pay about $259 per month, but you can often find a better deal by shopping around.
The chart below shows the five cheapest insurers for drivers with an accident on their record in Kalamazoo, according to Compare.com data.
A DUI conviction causes the sharpest increase in car insurance rates of any incident. In Michigan, it’s called operating while intoxicated (OWI), but the effect is the same. Rates jump by an average of 59% nationwide, according to our research. And it can be tough to find coverage, as some insurers may deny coverage.[7]
The average rate for drivers with a DUI in Kalamazoo is $303 per month, according to our data. Some insurers specialize in high-risk drivers, so you’re not stuck with sky-high rates forever.
The five companies in the chart below offer the cheapest rates for drivers with a DUI in Kalamazoo, according to Compare.com data.
Some insurance companies look at your credit history when setting your rates. Companies use your credit-based insurance score to figure out how likely you are to pay your bill or file a claim.[8]
Our data shows that drivers with poor credit pay about 40% more than drivers with excellent credit. In Kalamazoo, the average rate for drivers with poor credit is $278. But not all companies use credit, and some offer really affordable rates no matter your score.
The chart below shows the five cheapest insurers in Kalamazoo for drivers with bad credit, according to Compare.com data.
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Michigan is a no-fault state that requires you to have car insurance, like nearly every other state. Here’s what you need to drive legally.
Bodily injury liability: $50,000 per person and $100,000 per accident
Property damage liability: 10,000 per accident
Personal injury protection: $0 to unlimited coverage
Property protection insurance: $1 million limit
The state doesn’t require uninsured/underinsured motorist coverage, but it’s a good idea to consider it since the state has a high uninsured motorist rate. Limited property damage coverage can protect you against a lawsuit if the state finds you 50% or more at fault for an accident.[9]
You can find a more thorough breakdown of these coverages on the Michigan Department of Insurance and Financial Services website.
Most experts recommend buying more than the state-minimum limits, since a serious accident can easily exceed your minimum limits. If you finance or lease your car, your lender will require you to have comprehensive and collision coverage.
The Michigan Department of Insurance and Financial Services also recommends considering higher limits, especially if you have assets to protect. For example, if you cause an accident that injures several people, Kalamazoo’s minimums will not be enough to cover everyone’s medical bills.
Compare personalized quotes from Kalamazoo’s top insurers.
Here are answers to some of the most common questions Kalamazoo drivers have about car insurance.
Kalamazoo drivers pay an average of $222 per month for car insurance, according to Compare.com data. Liability coverage costs an average of $159 per month, and full coverage is $285.
That said, your rate could be different, since it’ll depend on personal factors like your driving history and where you live in the city.
Yes. Car insurance is more expensive in Kalamazoo. The average rate in Kalamazoo is $222, compared to the national average of $150, according to our research.
Our research shows that Auto-Owners offers the cheapest car insurance rates in Kalamazoo, with an average monthly rate of $59.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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