Compare Kalamazoo, MI Car Insurance Rates (2021)

Car insurance in Kalamazoo, MI averages $749 a month. Kalamazoo, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Kalamazoo car insurance rates, compare quotes from the top car insurance companies in Kalamazoo, MI.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Kalamazoo is USAA
  • Average car insurance rates in Kalamazoo, MI after a DUI are $15,160/year
  • The cheapest car insurance company in Kalamazoo for teen drivers is USAA

If you need to buy Kalamazoo, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Kalamazoo, MI is right here.

You’ll find Kalamazoo car insurance rates, the cheapest Kalamazoo, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Kalamazoo, Michigan car insurance rates to Troy car insurance rates, Warren car insurance rates, and Detroit car insurance rates.

Ready to find affordable Kalamazoo, MI car insurance today? Enter your ZIP code for fast, free Kalamazoo car insurance quotes.

Cheapest Kalamazoo, MI Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Kalamazoo, MI car insurance rates? Every Kalamazoo, Michigan car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Kalamazoo, Michigan

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

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Minimum Car Insurance in Kalamazoo, MI

Every driver must carry the minimum car insurance in Kalamazoo, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage 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

Cheapest Kalamazoo, MI Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Kalamazoo, MI. Compare credit history car insurance rates in Kalamazoo from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Kalamazoo, Michigan

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

Cheapest Kalamazoo, MI Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Kalamazoo, MI to rates for a clean record with top companies.

Annual Kalamazoo, Michigan Car Insurance Rates by Driving Record

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

Cheapest Kalamazoo, MI Car Insurance for Teen Drivers

Teen car insurance in Kalamazoo, MI can be expensive. Take a look at rates from the top car insurance companies in Kalamazoo for teenagers.

Annual Car Insurance Rates for Teen Drivers 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

Cheapest Kalamazoo, MI Car Insurance for Seniors

Take a look at Kalamazoo, MI senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Kalamazoo, Michigan

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

Cheapest Kalamazoo, MI Car Insurance Rates After a DUI

A DUI in Kalamazoo, MI increases car insurance rates. Compare Kalamazoo, Michigan DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Kalamazoo, Michigan

Insurance Company Annual Car 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

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Cheapest Kalamazoo, MI Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Kalamazoo, MI by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Kalamazoo, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Cheapest Kalamazoo, MI Car Insurance Rates by ZIP Code

Kalamazoo car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Kalamazoo, MI.

Annual Car Insurance Rates by ZIP Code in Kalamazoo, Michigan

ZIP Code Average Annual Rates
49001 $6,352
49004 $6,256
49006 $6,333
49007 $6,487
49008 $6,312
49009 $6,299

The Best Cheap Car Insurance Companies in Kalamazoo, MI

Take a look at a side-by-side comparison of the top car insurance companies in Kalamazoo, MI to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Kalamazoo, Michigan

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

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Category Winners: Cheapest Car Insurance in Kalamazoo, Michigan

Find the cheapest car insurance companies in Kalamazoo, MI for each category right here.

Best Annual Car Insurance Rates by Company in Kalamazoo, Michigan

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record GEICO
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Kalamazoo, MI Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Kalamazoo car insurance rates. Find the cheapest Kalamazoo, MI car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Kalamazoo, Michigan

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

What affects car insurance rates in Kalamazoo, Michigan?

What factors can have an impact on Kalamazoo, MI car insurance? There are several reasons why Kalamazoo car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Kalamazoo, Michigan.

Car Theft in Kalamazoo

High levels of vehicle theft can make car insurance more expensive. Kalamazoo, MI car theft statistics from the FBI indicate 337 vehicle thefts a year.

Commute Time in Kalamazoo

The more time you spend in your car the higher the risk of an accident. The average commute length in Kalamazoo, MI is 18.0 minutes according to City-Data.

Traffic in Kalamazoo

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Kalamazoo, MI traffic data from INRIX ranks Kalamazoo as the 969th-most congested in the world.

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Compare Car Insurance Quotes in Kalamazoo, MI

Ready to find affordable Kalamazoo, Michigan car insurance today? Enter your ZIP code for fast, free Kalamazoo, MI car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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