In Kalamazoo, drivers pay, on average, around $811 per year for minimum coverage and $1,973 for full coverage, which is higher than the national average. Drivers likely pay more in the area because of more dangerous weather conditions and road hazards, but it’s still possible to find cheap rates in Kalamazoo.
The cheapest car insurance company in Kalamazoo is Progressive, according to Bankrate’s 2021 study of quoted annual premiums. However, car insurance in Kalamazoo comes with plenty of options and different price points to fit drivers’ budgets and needs. We looked at a variety of factors to narrow down the car insurance providers we feel fulfill the criteria for the best cheap car insurance in Kalamazoo.
Best cheap car insurance companies in Kalamazoo
Progressive, Geico, Auto-Owners, Westfield and Allstate all offer cheap average car insurance rates in Kalamazoo according to data from Quadrant Information Services, plus numerous other benefits. Kalamazoo drivers have many options when it comes to car insurance. However, not all car insurance companies in Michigan are created equal.
To determine the best cheap insurance in Kalamazoo, we took a look at J.D. Power scores (a customer satisfaction independent third-party review company), average premiums, policy options and available discounts and assigned each provider a Bankrate score on a 5.0 scale. This score represents a more well-rounded view of each insurer versus only looking at cheap rates. These are the companies we found to be the best cheap car insurance companies in Kalamazoo.
|Insurance company||Bankrate Score||J.D. Power customer satisfaction score(North Central region)||Average annual premium for full coverage||Average annual premium for minimum coverage|
Progressive is the least expensive option for cheap car insurance companies in Kalamazoo among the companies we surveyed. Although it scores just slightly above average in the J.D. Power survey for customer satisfaction, Progressive is great about price transparency with the Name Your Price tool, which allows you to provide your budget and see what car insurance options are available in that price range.
Learn more: Progressive Insurance review
Geico has some of the lowest average premium rates for Kalamazoo for both full coverage and minimum coverage options among the companies we studied. It also provides many potential discounts as well. Geico’s score of 837 in the J.D. Power survey puts it slightly below the regional average, but its AM Best financial strength rating of Superior A++ highlights its outstanding reputation for claims payment.
Learn more: Geico Insurance review
Auto-Owners offers many coverage options to policyholders. If your accident involves someone who also carries Auto-Owners insurance, the provider will wave your deductible. Auto-Owners also offers a common loss deductible option which reduces your out-of-pocket costs if both your home and car are insured with Auto-Owners and a single event causes damage to both. These unique benefits, along with above-average J.D. Power customer satisfaction scores and below-average premium rates might make Auto-Owners a strong option for many drivers.
Learn more: Auto-Owners Insurance review
Although Allstate is the most expensive on our list, it generally excels at providing numerous coverage options and potential discounts. While the company covers all the basics, it also has a variety of add-on options, including accident forgiveness, rideshare coverage and new car replacement for eligible policyholders. Although it also offers multiple discount opportunities, its J.D. Power customer satisfaction score is well below the regional average. Still, some drivers might feel comfortable with this large and well-known car insurance carrier.
Learn more: Allstate Insurance review
How to get and keep the cheapest car insurance in Kalamazoo
Not only is finding the cheapest rates in Kalamazoo doable with a little bit of extra research, but maintaining the more affordable rates is also possible. Keep these tips in mind to get, and keep, the cheapest auto insurance available to you:
- Know the right coverage limits. While purchasing the minimum amount of coverage may not be the best strategy for financial protection, purchasing too much insurance isn’t ideal either. Working with a trusted insurance agent is one way to create a policy that provides maximum coverage while staying within your budget.
- Maintain a clean driving record. Maintaining a clean driving record not only keeps you and others as safe on the road as possible, but it saves you money. You can often earn discounts for staying claims-free or accident-free, plus a clean driving record often helps you qualify for the lowest rates possible.
Frequently asked questions
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.
To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.
While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.