Best Kalamazoo, Michigan Auto Insurance in 2024
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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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Sep 10, 2024
It’s all about you. We want to help you make the right coverage choices.
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.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 10, 2024
It’s all about you. We want to help you make the right coverage choices.
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.
On This Page
- 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
Frequently Asked Questions
What are the minimum auto insurance requirements in Kalamazoo, Michigan?
Kalamazoo, Michigan auto insurance laws require a minimum coverage of 20/40/10. This means you must have at least $20,000 in bodily injury liability coverage per person, $40,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage.
How can I find cheap auto insurance in Kalamazoo, Michigan?
To find the best cheap auto insurance in Kalamazoo, Michigan, it’s recommended to compare quotes from multiple companies. By comparing rates, you can find the most affordable option that meets your coverage needs.
How do age, gender, and marital status affect auto insurance rates in Kalamazoo, Michigan?
Auto insurance rates in Kalamazoo, Michigan are influenced by factors such as age, gender, and marital status. Typically, younger drivers, male drivers, and unmarried drivers may have higher insurance rates compared to older drivers, female drivers, and married drivers. These factors are considered by insurance companies when determining premiums.
Are there special considerations for teen drivers in Kalamazoo, Michigan when it comes to auto insurance?
Teen drivers in Kalamazoo, Michigan often face higher auto insurance rates due to their lack of driving experience. Insurance companies consider teenagers to be high-risk drivers. However, you can still find affordable options by comparing quotes from different insurers.
How does driving record affect auto insurance rates in Kalamazoo, Michigan?
Your driving record has a significant impact on your auto insurance rates in Kalamazoo, Michigan. If you have a clean driving record with no accidents or traffic violations, you are likely to pay lower premiums. On the other hand, a history of accidents, tickets, or DUI convictions can result in higher insurance rates. It’s important to maintain a good driving record to keep your premiums affordable.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.