In Kalamazoo, drivers pay on average around $811 for minimum coverage and $1,973 for full coverage. This is below average for the average premiums in Michigan but above the national average and nearby states such as Illinois. In 2017, Kalamazoo had 8,526 crashes including 29 fatalities.
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. These factors include satisfaction scores, quantity and quality of discounts, average rates, and more.
Best car insurance companies in Kalamazoo
Kalamazoo drivers have many options when it comes to car insurance. However, not all car insurance companies 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), premium averages, policy options, and available discounts. These are the companies we believe to be the best car insurance in Kalamazoo.
|Insurance company||J.D. Power customer satisfaction score||Average annual premium for minimum coverage||Average Annual premium for full coverage|
|Allstate||830 / 1000||$1,025||$2,261|
|Auto Owners||845 / 1000||$737||$1,822|
|Geico||851 / 1000||$587||$1,210|
|Progressive||824 / 1000||$551||$1,136|
|Westfield||836 / 1000||$101||$2,162|
Allstate generally excels at options and 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. This along with the multiple discount opportunities and high satisfaction score make Allstate one of the best car insurance companies in Kalamazoo.
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. Also, if you need a rental, Auto Owners generally covers you based on the broadest coverages in your policy. These unique benefits along with above average customer satisfaction scores and below average premium rates makes Auto Owners a strong option.
Geico not only has the strongest customer satisfaction score in the North Central region according to J.D. Power, but also below average premium rates for Kalamazoo. Geico provides many discounts as well for eligible customers which can help drivers save up to 25%.
While Progressive is slightly cheaper than Geico, it doesn’t reach the same customer satisfaction standards as Geico according to the J.D. Power study. Progressive is great about price transparency though with the Name Your Price tool, which allows you to provide your budget and see your options.
Westfield Insurance is a midwest company with an affordable average premium for minimum coverage and an above average premium for full coverage. Westfield also has one of the best J.D. Power scores in the North Central region.
Cheapest car insurance in Kalamazoo
The average cost of car insurance in Michigan that drivers pay is $2,375 for full coverage and $995 for minimum coverage. The great thing for Kalamazoo drivers is that their averages are below this at $811 for minimum and $1,973 for full coverage.
However, Kalamazoo’s average full coverage rate of $1,973 is higher than nearby Illinois’ average which is $1,485 and the national average of $1,674.
Based off of our research, the cheapest car insurance in Kalamazoo can be found with the following companies:
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Insurance is a personal decision, and not every company can make our list of the top providers in Kalamazoo. They all have unique options, and it’s important to look at all angles when deciding on a carrier.
For instance, USAA caters to the military and their families and consistently offers great discounts and customer satisfaction scores. Travelers has a plethora of coverage options and a rather low premium for minimum coverage. MetLife and Progressive both offer lots of discounts and Geico has the highest customer satisfaction while still having a competitive rate.
Kalamazoo insurance requirements
Michigan is a no-fault state meaning you are responsible for your injuries and any property damage should you get into an accident. Michigan law requires that all drivers have, at minimum, a 50/100/10 policy. This means your insurance provider has to cover:
- $50,000 in bodily injury liability coverage per person
- $100,000 in bodily injury liability coverage per accident
- $10,000 in property damage liability coverage per accident
Minimum coverage has no guarantee of covering the full cost of an accident leading to legal and financial risks, so some drivers opt for more coverage.
Whether or not the state minimum coverage is enough depends on your unique situation. If you are driving a leased or financed vehicle, you may be required to pay for full coverage. This is just one example of how there are individual needs when it comes to insurance coverage.
Car insurance discounts in Kalamazoo
Most car insurance companies offer discounts that can help drivers lower their premiums. Here are some of the most popular car insurance discounts in Kalamazoo:
- Driver education: Older drivers who refresh their driving skills with an approved defensive driving course can get reduced rates.
- Good student: Young drivers with a “B” average or higher are eligible for discounts.
- Multi-policy: Policy bundling is one of the most common ways to earn discounts. It’s where drivers can save money by insuring their home and car through the same provider.
- Safety features: Vehicles that have safety features, like anti-lock brakes, multiple airbags or an anti-theft system usually qualify for an insurance discount.
Frequently asked questions
What is the best car insurance company?
The best car insurance company varies depending on the driver’s background and needs. However, some of the highest-rated insurance companies in Kalamazoo are Geico, Auto Owners, Westfield, and Allstate.
How much does car insurance in Kalamazoo cost?
The average driver in Kalamazoo pays $1,973 per year for full coverage car insurance and $811 for minimum coverage car insurance. However, factors like age, credit score and claims history will impact a driver’s car insurance rate.
How much car insurance do I need in Kalamazoo?
Drivers in Kalamazoo are required to carry at least 50/100/10 personal liability car insurance, but some people may want more. Talk to an insurance agent to determine the right amount for you.
Bankrate utilizes Quadrant Information Services to analyze 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 coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.
Rates are determined based on 2021 Quadrant Information Services data.