Who Has the Cheapest Car Insurance in Kalamazoo?
Find Cheap Auto Insurance Quotes in Kalamazoo
The best price for basic car insurance in Kalamazoo is $805 per year, available at Frankenmuth Insurance. That's 55% cheaper than the citywide average of $1,786 per year.
Progressive had the best rates for full coverage, at just $1,296 per year — 65% less than the city average of $3,707.
Every driver will find different rates based on their driving history, so the only way to find the best rates for you is to compare quotes from multiple insurers.
Cheapest auto insurance in Kalamazoo: Frankenmuth
Progressive and Auto-Owners also had affordable rates — all were below $900 per year.
The single cheapest option for car insurance is from USAA, at just $491 per year. However, USAA only sells insurance to people who have served in the military, and their families.
Find Cheap Auto Insurance Quotes in Kalamazoo
Cheapest car insurance in Kalamazoo, MI
Company | Average annual cost | |
|---|---|---|
| Frankenmuth | $805 |
| Progressive | $820 |
| Auto-Owners | $877 |
| Average | $1,786 | |
| USAA | $491 |
*USAA is only available to current and former military members and their families.
Cheapest full coverage car insurance in Kalamazoo: Progressive
Rank | Company | Annual rate |
|---|---|---|
| 1 | Progressive | $1,296 |
| 2 | Auto-Owners | $2,178 |
| 3 | Frankenmuth | $2,221 |
| 4 | State Farm | $3,204 |
| 5 | AAA | $4,536 |
| 6 | Hanover | $5,910 |
| 7 | Allstate | $8,932 |
| N/A* | USAA | $1,383 |
*USAA is only available to current and former military members and their families.
In addition to the liability and personal injury protections required by Michigan state law, full coverage insurance also includes the following:
- Comprehensive coverage: Pays for damage to your car from a source other than a crash, including vandalism, theft or damage from an animal.
- Collision coverage: Pays for damage to your car in a crash, regardless of who's responsible.
Cheap car insurance for drivers with prior incidents
Insurance companies use your driving history as a primary way to set car insurance rates. They've found that a driver with a recent incident on their record is more likely to file a claim or get in a crash, and charge higher rates accordingly.
It's even more important to shop around for car insurance after an at-fault crash or a speeding ticket, since the difference in rates will likely increase even more.
Cheapest car insurance in Kalamazoo after an accident
Drivers who have been at fault in an accident almost always see insurance rate increases because they're statistically more likely to get in another crash in the future.
We recommend Progressive as the most affordable option in Kalamazoo after a crash. It offered us a typical price of $1,667 per year for full coverage. That's 70% cheaper than the average rate and $837 less than the second-cheapest option, Auto-Owners.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Progressive | $1,667 |
| 2 | Auto-Owners | $2,504 |
| 3 | Frankenmuth | $2,906 |
| 4 | State Farm | $3,843 |
| 5 | AAA | $9,388 |
| 6 | Hanover | $9,471 |
| 7 | Allstate | $12,800 |
| N/A* | USAA | $1,897 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with a speeding ticket: Progressive
The most affordable option for car insurance in Kalamazoo after getting a speeding ticket is Progressive. The typical rate is $1,624 per year, or 67% less than the average cost.
Drivers who receive a ticket after getting caught speeding are seen as more willing to take risks behind the wheel, and thus more likely to get in a crash — resulting in higher rates for insurance.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Progressive | $1,624 |
| 2 | Frankenmuth | $2,483 |
| 3 | Auto-Owners | $2,504 |
| 4 | State Farm | $4,163 |
| 5 | Hanover | $8,205 |
| 6 | AAA | $9,388 |
| 7 | Allstate | $9,733 |
| N/A* | USAA | $1,732 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for drivers with a DUI: Progressive
A DUI is among the most serious driving infractions, and you'll likely pay much more after you're convicted of one. We found a typical price citywide of $10,407 per year for a driver with a DUI on their record.
However, we did find some more affordable options. Progressive was the cheapest option by far, at just $1,521 per year. That's 87% less expensive than the Kalamazoo average. Auto-Owners also offered comparatively affordable rates, at $5,028 annually.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Progressive | $1,521 |
| 2 | Auto-Owners | $5,028 |
| 3 | State Farm | $8,318 |
| 4 | Frankenmuth | $9,920 |
| 5 | Hanover | $11,427 |
| 6 | AAA | $15,307 |
| 7 | Allstate | $41,520 |
| N/A* | USAA | $2,382 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for young drivers: Auto-Owners
Younger drivers are less experienced behind the wheel and may not have good judgment as older drivers. As a result, they get in crashes more often and almost always pay much more for insurance: We found a typical price of $3,768 per year for minimum coverage in Kalamazoo.
However, younger drivers can get a better deal at Auto-Owners. The typical rate of $1,700 was 55% less than the average citywide. Frankenmuth Insurance also had good rates, at $2,294 per year.
Rank | Company | Annual rate |
|---|---|---|
| 1 | Auto-Owners | $1,700 |
| 2 | Frankenmuth | $2,294 |
| 3 | Progressive | $2,717 |
| 4 | AAA | $4,503 |
| 5 | Hanover | $4,926 |
| 6 | State Farm | $5,284 |
| 7 | Allstate | $7,931 |
| N/A* | USAA | $791 |
*USAA is only available to current and former military members and their families.
Best auto insurance companies in Kalamazoo, Michigan
The best car insurers offer affordable rates, but finding one with dependable service is just as important. We recommend Auto-Owners, USAA and State Farm as the best car insurance companies in Michigan. They performed the best in our national car insurance satisfaction survey, especially when it comes to claim service.
Average car insurance cost in Kalamazoo, by neighborhood
The cost of car insurance can vary based on where you live, even within a given city. For example, you might see higher rates if there are more car thefts in your area, or if you live in a neighborhood with poorly maintained roads, which may increase the number of accidents.
Zip code | Full coverage | Minimum coverage |
|---|---|---|
| 49001 | $3,696 | $1,793 |
| 49004 | $3,833 | $1,904 |
| 49006 | $3,711 | $1,782 |
| 49007 | $3,832 | $1,854 |
| 49008 | $3,598 | $1,720 |
| 49009 | $3,613 | $1,705 |
| 49048 | $3,668 | $1,743 |
*USAA is only available to current and former military members and their families.
Auto theft statistics in Kalamazoo
Auto theft rates are high in Kalamazoo. There were 4.3 car thefts per 1,000 people in 2019, nearly double the state rate of 2.3 thefts per 1,000 people. The only major city in the state with a higher rate of auto theft than Kalamazoo is Detroit.
Below, see a list of how Kalamazoo compares to other Michigan cities regarding car theft.
City | Population | Motor vehicle theft | Motor vehicle theft per 1,000 people |
|---|---|---|---|
| Detroit | 663,502 | 6,886 | 10.4 |
| Kalamazoo | 76,827 | 329 | 4.3 |
| Lansing | 118,953 | 367 | 3.1 |
| Dearborn | 93,902 | 266 | 2.8 |
| Warren | 134,653 | 356 | 2.6 |
| Grand Rapids | 201,799 | 501 | 2.5 |
| Flint | 95,212 | 207 | 2.2 |
| Clinton Township | 101,308 | 156 | 1.5 |
| Livonia | 93,644 | 112 | 1.2 |
| Ann Arbor | 122,893 | 138 | 1.1 |
| Sterling Heights | 133,377 | 96 | 0.7 |
Motor vehicle theft data was pulled from the FBI 2019 Michigan Crime Report.
Methodology
We collected data from eight of the largest insurers in Michigan. Our sample driver is a 30-year-old man who drives a 2015 Honda Civic EX.
The following limitations were used:
Coverage | State minimum | Full coverage |
|---|---|---|
| Property protection | up to $1,000,000 | up to $1,000,000 |
| Residual bodily injury and property damage liability (BI/PD) | $50,000 per injury, $100,000 per accident | $50,000 per injury, $100,000 per accident |
| Personal injury protection (PIP) | $250,000 for people with qualified health coverage | $250,000 for people with qualified health coverage |
| Collision coverage | — | Included/$500 deductible |
| Comprehensive coverage | — | Included/$500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
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