+120 more*These quotes are from Compare.com users in and around Kalamazoo, Michigan within the last 10 days. Updated on July 1, 2026
*These quotes are from Compare.com users in and around Kalamazoo, Michigan within the last 10 days. Updated on July 1, 2026
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Updated
If you live in Kalamazoo, you’ll pay an average of $166 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, USAA, Auto-Owners, and Chubb have some of the lowest prices in town. Our research shows that USAA offers the cheapest average liability rate, at $65 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.
USAA has the lowest average monthly rate in Kalamazoo, at $65.
Kalamazoo drivers pay about $116 per month for liability coverage and $216 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 | $65 |
| USAA | $65 |
| Chubb | $71 |
| National General | $100 |
| Progressive | $103 |
| Safeco | $104 |
| Liberty Mutual | $120 |
| Bristol West | $130 |
| Direct Auto | $132 |
| State Farm | $136 |
| Insurify Car | $155 |
| Travelers | $157 |
| GEICO | $158 |
USAA tops our list with the cheapest average rate in Kalamazoo, at $65 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 | USAA | $65 |
| Full coverage | Auto-Owners | $112 |
| Teens | USAA | $111 |
| Seniors | USAA | $53 |
| Drivers with a speeding ticket | USAA | $82 |
| Drivers with an at-fault accident | USAA | $82 |
| Drivers with a DUI | USAA | $99 |
| Drivers with excellent credit | USAA | $55 |
| Drivers with poor credit | USAA | $75 |
Next, we’ll take a closer look at rates by each coverage level and driver type.
Policies in Kalamazoo start as low as $65 per month.
The average rate for state-minimum coverage in Kalamazoo is $116, 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.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $65 |
| USAA | $65 |
| Chubb | $71 |
| National General | $100 |
| Progressive | $103 |
| Safeco | $104 |
| Liberty Mutual | $120 |
| Bristol West | $130 |
| Direct Auto | $132 |
| State Farm | $136 |
| Insurify Car | $155 |
| Travelers | $157 |
| GEICO | $158 |
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 $216. 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.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $112 |
| USAA | $113 |
| Chubb | $122 |
| Progressive | $164 |
| Safeco | $177 |
| Liberty Mutual | $212 |
| National General | $215 |
| State Farm | $232 |
| GEICO | $236 |
| Bristol West | $255 |
| Travelers | $268 |
| Direct Auto | $269 |
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 $260 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.
Company | Average Monthly Premium |
|---|---|
| USAA | $111 |
| Auto-Owners | $123 |
| Chubb | $137 |
| Progressive | $162 |
| National General | $186 |
| Liberty Mutual | $195 |
| Safeco | $198 |
| Bristol West | $214 |
| Direct Auto | $240 |
| Insurify Car | $243 |
| State Farm | $246 |
| GEICO | $265 |
| Travelers | $305 |
Older drivers generally pay some of the lowest car insurance rates, with rates averaging $144 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.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $51 |
| USAA | $53 |
| Chubb | $54 |
| National General | $79 |
| Progressive | $89 |
| Safeco | $91 |
| Liberty Mutual | $100 |
| State Farm | $107 |
| Direct Auto | $109 |
| Bristol West | $109 |
| Travelers | $126 |
| GEICO | $126 |
| Insurify Car | $135 |
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 $197 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.
Company | Average Monthly Premium |
|---|---|
| USAA | $82 |
| Auto-Owners | $82 |
| Chubb | $88 |
| National General | $121 |
| Progressive | $122 |
| Safeco | $133 |
| Liberty Mutual | $149 |
| Bristol West | $160 |
| Direct Auto | $162 |
| State Farm | $168 |
| Insurify Car | $184 |
| Travelers | $198 |
| GEICO | $202 |
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 $193 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.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $81 |
| USAA | $82 |
| Chubb | $89 |
| Progressive | $120 |
| National General | $125 |
| Safeco | $137 |
| Liberty Mutual | $150 |
| Bristol West | $162 |
| Direct Auto | $170 |
| State Farm | $170 |
| Insurify Car | $180 |
| GEICO | $196 |
| Travelers | $200 |
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 $267 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.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $95 |
| USAA | $99 |
| Chubb | $108 |
| National General | $152 |
| Progressive | $166 |
| Safeco | $169 |
| Liberty Mutual | $183 |
| Bristol West | $198 |
| Direct Auto | $201 |
| State Farm | $207 |
| Travelers | $239 |
| GEICO | $240 |
| Insurify Car | $250 |
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 $183. 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.
Company | Average Monthly Premium |
|---|---|
| USAA | $75 |
| Auto-Owners | $92 |
| Chubb | $108 |
| Progressive | $113 |
| National General | $116 |
| Safeco | $121 |
| Liberty Mutual | $135 |
| Bristol West | $151 |
| Direct Auto | $153 |
| Insurify Car | $171 |
| Travelers | $182 |
| GEICO | $184 |
| State Farm | $186 |
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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 $166 per month for car insurance, according to Compare.com data. Liability coverage costs an average of $116 per month, and full coverage is $216.
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 $166, compared to the national average of $140, according to our research.
Our research shows that USAA offers the cheapest car insurance rates in Kalamazoo, with an average monthly rate of $65.
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
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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