Cheapest Auto Insurance in Kalamazoo, Michigan (2025)
Auto-Owners has the cheapest car insurance in Kalamazoo, with monthly liability rates as low as $59.
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Kalamazoo drivers pay a monthly average of $122 for liability-only coverage, which is close to the state average of $137 but much higher than the national average of $100. Michigan drivers face high rates due to the state’s high percentage of uninsured drivers and its no-fault insurance system.
Kalamazoo rates are cheaper than rates in cities like Flint and Warren but more expensive than rates in Grand Rapids and Lansing, partly due to high crime and vehicle theft rates. Kalamazoo has a crime rate higher than 98.5% of U.S. cities.[?]
Here’s what you should know to find cheap coverage in Kalamazoo, including how to compare car insurance quotes and coverage options.
Quick Facts
Auto-Owners, USAA, and Chubb have the cheapest liability insurance in Kalamazoo.
The average cost of full-coverage insurance in Kalamazoo is $196 per month. For comparison, the statewide average for full-coverage insurance is $211 and the national average is $100 per month.
Insurance companies in Michigan aren’t allowed to use drivers’ credit scores to set auto insurance rates.[?]
3 of the cheapest car insurance companies in Kalamazoo
The best auto insurance company for you depends on your financial situation and insurance needs. The cheapest insurer listed below may not be the best choice for you — always compare as many options as possible. Here’s a table with a few of the top car insurance companies in Kalamazoo based on factors like pricing and coverage options.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Chubb | 7.1 | $119 | $119 | Luxury and classic vehicles |
| Auto-Owners | 8.2 | $108 | $67 | Bundling home and auto |
| USAA | 9.1 | $109 | $68 | Military members |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Best insurer for luxury vehicles and classic cars: Chubb
Best insurer for bundling home and auto coverage: Auto-Owners
Best insurer for military members and their families: USAA
How to get the cheapest car insurance in Kalamazoo
Insurance companies in Kalamazoo take several factors into account when setting your car insurance rates, including your age, driving history, the type of vehicle you drive, and where you live. Understanding what affects your premium is the first step in finding the cheapest car insurance.
To help you further, here are a few easy-to-follow tips:
Maintain a clean driving record and claims history. The fewer tickets and accidents you have, the lower your premium. In addition, if you have a minor accident and the damage isn’t much more than your deductible, consider paying out of pocket.
Take a defensive driving course. Some insurance companies offer discounts if you complete an accredited defensive driving course.
Bundle insurance policies. If you have other insurance policies, such as homeowners or renters insurance, consider bundling them with your car insurance. Many insurance companies offer discounts to customers who bundle multiple policies.
Compare rates from different companies. Rates can vary significantly from one insurance company to another. Take the time to get quotes from multiple insurance companies and compare coverage details to ensure you get the best deal for your needs.
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Cheapest liability-only car insurance in Kalamazoo: Auto-Owners
Liability-only car insurance is the minimum amount of coverage you need to drive legally in most states. It covers damage and injuries you cause to others in a car accident but not your own costs.[?]
The average rate for liability-only car insurance in Kalamazoo is $122 per month. The table below details the cheapest liability-only car insurance from some of the top companies in Kalamazoo.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $59 |
| USAA | $59 |
| Chubb | $65 |
| Safeco | $99 |
| National General | $110 |
| Nationwide | $120 |
| State Farm | $122 |
| Bristol West | $124 |
| Direct Auto | $127 |
| Progressive | $139 |
| Travelers | $142 |
| Liberty Mutual | $144 |
| GEICO | $159 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Kalamazoo: Auto-Owners
If you want a broader safety net than what liability-only insurance covers, full-coverage car insurance is the right choice. This type of insurance provides liability coverage, but it also covers your own medical payments and car repairs if you’re in an accident, through collision and comprehensive coverage.
The average rate for full-coverage car insurance in Kalamazoo is $196 per month. The table below shows the most affordable full coverage from some of the top car insurance companies in Kalamazoo.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $98 |
| USAA | $99 |
| Chubb | $107 |
| Progressive | $175 |
| Safeco | $176 |
| Nationwide | $198 |
| State Farm | $202 |
| GEICO | $207 |
| Liberty Mutual | $215 |
| National General | $217 |
| Travelers | $234 |
| Bristol West | $249 |
| Direct Auto | $249 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Michigan
Michigan is a no-fault state for car insurance, meaning drivers receive compensation from their insurance company after an accident, regardless of who caused the accident.[?]
All drivers must carry a minimum amount of bodily injury liability and property damage liability, as well as property protection insurance. Most drivers must also purchase a minimum amount of personal injury protection (PIP) medical coverage, which pays for medical expenses, recovery, and rehabilitation after an auto accident. Only Medicaid recipients meeting certain criteria can opt out of PIP medical coverage.[?]
Here are the specific requirements for Michigan drivers.
Coverage | Minimum Requirements |
|---|---|
| Personal injury protection | One of the following:
|
| Property protection insurance | $1 million |
| Bodily injury liability | $250,000 per person and $500,000 per accident |
| Property damage liability | $10,000 for damage in another state |
For more thorough protection behind the wheel, consider carrying more than the minimum coverages. Some other coverages to consider include:
Cheapest car insurance for drivers with an incident
Incidents can include at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations. Having incidents on your driving record can increase your car insurance rates because insurance companies see you as more likely to file a claim and charge higher premiums to offset that risk.
The average cost of car insurance for Kalamazoo drivers with a past incident is $153 per month for liability coverage and $245 for full-coverage insurance.
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Cheapest car insurance for drivers with a speeding ticket: USAA
Having multiple speeding tickets typically increases your car insurance rates. Kalamazoo drivers with a speeding ticket face an average monthly cost of $135 for liability-only coverage.
But you can still find affordable policies. Below are the cheapest car insurance companies for drivers in Kalamazoo with speeding tickets.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding TIcket |
|---|---|---|
| USAA | $59 | $71 |
| Auto-Owners | $59 | $71 |
| Chubb | $65 | $77 |
| Safeco | $99 | $122 |
| National General | $110 | $129 |
| State Farm | $122 | $144 |
| Nationwide | $120 | $145 |
| Bristol West | $124 | $146 |
| Direct Auto | $127 | $150 |
| Progressive | $139 | $153 |
| Liberty Mutual | $144 | $171 |
| Travelers | $142 | $171 |
| GEICO | $159 | $194 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
If you cause an accident, your insurer will likely raise your car insurance rates. In Kalamazoo, drivers with at-fault accidents pay an average of $174 per month for liability auto insurance. But it’s still possible to find affordable rates.
Below are the cheapest car insurance companies for drivers in Kalamazoo with at-fault accidents on their records.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Auto-Owners | $59 | $80 |
| USAA | $59 | $81 |
| Chubb | $65 | $88 |
| Safeco | $99 | $143 |
| National General | $110 | $151 |
| Nationwide | $120 | $165 |
| State Farm | $122 | $165 |
| Bristol West | $124 | $169 |
| Direct Auto | $127 | $179 |
| Travelers | $142 | $196 |
| Liberty Mutual | $144 | $199 |
| Progressive | $139 | $199 |
| GEICO | $159 | $210 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Dealing with a DUI can be a challenging experience — especially when looking for affordable car insurance. Many insurers may even refuse to provide you coverage. The average monthly cost of liability car insurance with a DUI on your license in Kalamazoo is $148.
The table below shows some of the most affordable car insurance companies in Kalamazoo for drivers with DUIs.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Auto-Owners | $59 | $79 |
| USAA | $59 | $79 |
| Chubb | $65 | $87 |
| Safeco | $99 | $142 |
| National General | $110 | $148 |
| Nationwide | $120 | $161 |
| State Farm | $122 | $164 |
| Bristol West | $124 | $166 |
| Progressive | $139 | $169 |
| Direct Auto | $127 | $170 |
| Travelers | $142 | $191 |
| Liberty Mutual | $144 | $193 |
| GEICO | $159 | $208 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Age plays a substantial role when it comes to the cost of your auto insurance premiums. While young, inexperienced drivers tend to pay higher premiums, rates typically decrease around age 35. But the trend takes a turn once drivers reach somewhere around age 70. At this stage, insurance companies perceive drivers as higher risk due to potential health issues from aging, such as vision changes or slower reaction times.
Senior drivers in Kalamazoo pay an average of $103 per month for liability coverage and $166 for full-coverage insurance. Below, you’ll find some of the cheapest insurers in Kalamazoo for seniors.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $47 | $78 |
| USAA | $48 | $80 |
| Chubb | $49 | $80 |
| National General | $86 | $169 |
| Safeco | $86 | $153 |
| Nationwide | $91 | $151 |
| State Farm | $95 | $158 |
| Direct Auto | $101 | $199 |
| Bristol West | $102 | $205 |
| Travelers | $113 | $185 |
| Progressive | $118 | $148 |
| Liberty Mutual | $119 | $178 |
| GEICO | $125 | $163 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Insurance companies charge teen drivers higher rates than almost any other driver due to their lack of experience behind the wheel. This inexperience increases their risk of being involved in an accident, leading to more claims and higher costs for insurance companies.
On average, teen drivers in Kalamazoo pay $194 per month for liability-only coverage and $311 for full coverage.
Even so, teen drivers can keep premiums affordable by staying on their parents’ insurance, getting a safe vehicle, and maintaining good grades to qualify for a good student discount.
Below are the cheapest car insurance companies for teenage drivers in Kalamazoo.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $102 | $171 |
| Auto-Owners | $109 | $181 |
| Chubb | $128 | $211 |
| Safeco | $187 | $332 |
| Bristol West | $207 | $416 |
| National General | $210 | $415 |
| Nationwide | $220 | $363 |
| Progressive | $221 | $278 |
| State Farm | $221 | $366 |
| Direct Auto | $234 | $459 |
| Liberty Mutual | $238 | $355 |
| GEICO | $269 | $351 |
| Travelers | $274 | $452 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Is car insurance more expensive in Kalamazoo?
In Kalamazoo, the average monthly cost of full-coverage car insurance is $159, compared to Michigan’s average of $174 and the national average of $177. The cost of liability insurance in Kalamazoo is $122 per month, which is comparable to the state average of $137 and higher than the national average of $100.
One reason car insurance in Michigan is costly is the number of uninsured drivers in the state. The Insurance Information Institute (III) estimates that roughly 19.6% of drivers in Michigan don’t carry insurance — the fifth-highest rate in the nation.[?]
More cities in Michigan
The cost of car insurance in Kalamazoo is about the middle of the road compared to other Michigan cities. The table below shows the average monthly cost of car insurance in other popular Michigan cities and how they compare to Kalamazoo.
City | Full Coverage | Liability Only |
|---|---|---|
| Ann Arbor | $115 | $203 |
| Flint | $141 | $233 |
| Dearborn | $270 | $391 |
| Detroit | $268 | $408 |
| Grand Rapids | $107 | $195 |
| Lansing | $115 | $193 |
| Rochester | $145 | $220 |
| Warren | $188 | $299 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Kalamazoo car insurance FAQs
Finding the right car insurance can be difficult. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Kalamazoo.
How much is car insurance in Kalamazoo?
Kalamazoo drivers pay an average of $196 per month for full-coverage insurance and $122 for liability coverage. Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, chosen coverage level, and more.
Which company has the cheapest car insurance rates in Kalamazoo?
Kalamazoo drivers will find the cheapest car insurance rates from Auto-Owners, which offers liability coverage for as low as $59 per month. USAA and Chubb also have cheap monthly liability-only rates — $59 and $65, respectively.
What are the best car insurance companies in Kalamazoo?
Auto-Owners is the best car insurance company in Kalamazoo, with an Insurify Quality (IQ) Score of 8.2 out of 5 and an AM Best financial strength rating of A++ (Superior). Michigan drivers with coverage from Auto-Owners pay an average of $67 per month for liability insurance and $108 for full-coverage insurance. Of the insurers Insurify has rate data for, other top Kalamazoo choices include Chubb and USAA.
Why is Michigan car insurance so high?
Michigan car insurance costs are so expensive partly because it’s a no-fault state, so drivers must carry personal injury protection coverage. Most states don’t require this coverage, meaning that Michigan drivers have an extra financial burden. Additionally, insurers charge higher rates because they’ll be on the hook in any accident since fault plays no role.
What is the minimum car insurance required in Michigan?
Michigan drivers must carry at least $20,000 per person and $40,000 per accident in bodily injury liability coverage, along with $10,000 in property damage liability insurance. They must also carry personal injury protection (PIP) coverage.
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