Cheapest Car Insurance In Kalamazoo, MI 2025
At roughly $60 per month, Auto-Owners provides the cheapest option for minimum coverage car insurance in Kalamazoo.
We’ve saved shoppers an average of $600 per year on their car insurance.
Shopping for the cheapest car insurance in Kalamazoo, MI, can be tricky since costs vary a lot between providers.
For drivers wanting the cheapest liability-only insurance, Auto-Owners is the best bet. If you need full coverage, Chubb offers the best value, while Secura is the most affordable for young drivers.
Cheapest Car Insurance Companies In Kalamazoo, MI 2025
Cheapest Car Insurance Rates For Seniors: Secura
Secura provides Kalamazoo cheapest senior car insurance, with an average monthly price of $54.
Below, you’ll find a table that compares average rates from the cheapest auto insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Secura | $54 | $648 |
| USAA | $77 | $924 |
| Metropolitan | $58 | $696 |
| Travelers | $87 | $1,044 |
| Wolverine Mutual | $84 | $1,008 |
Cheapest Liability-only Car Insurance In Kalamazoo: Auto-Owners
The most affordable minimum coverage car insurance in Kalamazoo comes from Auto-Owners, with an average cost of $60 per month.
Want to compare insurance prices? The table below lists rates from various providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $60 | $720 |
| Chubb | $65 | $780 |
| Progressive | $115 | $1,380 |
| GEICO | $91 | $1,092 |
| State Farm | $122 | $1,464 |
Cheapest Full Coverage Insurance Rates In Kalamazoo: Chubb
Chubb provides Kalamazoo best deal on full coverage car insurance, with quotes averaging $116 per month.
Below, you’ll find a table that compares average insurance rates from budget-friendly providers in Kalamazoo.
| Provider | Average Monthly Cost | Average Annual Cost |
| Chubb | $116 | $1,392 |
| Nationwide | $214 | $2,568 |
| Progressive | $170 | $2,040 |
| GEICO | $160 | $1,920 |
| Travelers | $252 | $3,024 |
Cheapest Rates In Kalamazoo For Teenagers: Auto-Owners
Auto-Owners provides the most affordable quotes for teenage drivers in Kalamazoo, with an average monthly cost of $131.
Below, you’ll find a table that compares the cheapest car insurance providers for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $131 | $1,572 |
| Chubb | $213 | $2,556 |
| Progressive | $274 | $3,288 |
| State Farm | $353 | $4,236 |
| Travelers | $430 | $5,160 |
Cheapest Auto Insurance For Young Adults in Kalamazoo: Secura
At around $87 per month, Secura provides young adults in Kalamazoo with the lowest auto insurance rates.
The table below shows a breakdown of the cheapest car insurance rates for young adult drivers in Kalamazoo.
| Provider | Average Monthly Cost | Average Annual Cost |
| Secura | $87 | $1,044 |
| USAA | $116 | $1,392 |
| Metropolitan | $106 | $1,272 |
| Auto-Owners | $145 | $1,740 |
| Safeco | $186 | $2,232 |
Cheapest Car Insurance In Kalamazoo For Good Drivers: Auto-Owners
At approximately $60 per month, Auto-Owners provides the most cost-effective insurance for good drivers in Kalamazoo.
If you’re a good driver, you can compare low-cost insurance options using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $60 | $720 |
| Chubb | $65 | $780 |
| Progressive | $115 | $1,380 |
| GEICO | $91 | $1,092 |
| State Farm | $122 | $1,464 |
Find affordable Kalamazoo rates
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
The most affordable insurance for drivers with an at-fault incident comes from Auto-Owners, with an average monthly cost of $74.
The companies listed below provide the cheapest car insurance for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $74 | $1,010 |
| USAA | $91 | $1,090 |
| Auto-Owners | $103 | $1,230 |
| GEICO | $124 | $1,490 |
| Erie | $109 | $1,302 |
Cheapest Rates In Kalamazoo For Drivers After A DUI: Auto-Owners
The most cost-effective insurance option for drivers with a DUI in Kalamazoo comes from Auto-Owners, with an average premium of $88 per month.
The following table shows which insurance companies offer the lowest rates for Kalamazoo drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $88 | $930 |
| Erie | $131 | $1,566 |
| USAA | $94 | $1,130 |
| Auto-Owners | $142 | $1,705 |
| GEICO | $158 | $1,900 |
Cheapest Car Insurance In Kalamazoo After A Speeding Ticket: Auto-Owners
With average monthly premiums of $72, Auto-Owners offers some of the most affordable insurance rates in Kalamazoo for drivers with speeding tickets.
Use the table below to see how much drivers with speeding tickets typically pay for insurance.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $72 | $864 |
| Chubb | $77 | $924 |
| Progressive | $136 | $1,632 |
| State Farm | $142 | $1,704 |
| GEICO | $106 | $1,272 |
Best Car Insurance Companies In Kalamazoo
Kalamazoo drivers can secure the most affordable insurance with Auto-Owners at $60 a month, with Chubb ($65) and GEICO ($91) also offering competitive rates.
Shown in the table below are the 10 leading car insurance companies in Kalamazoo, MI, sorted by affordability.
| Company | Monthly Premium |
| Auto-Owners | $60 |
| Chubb | $65 |
| Progressive | $115 |
| GEICO | $91 |
| State Farm | $122 |
| USAA | $60 |
| Safeco | $104 |
| Nationwide | $120 |
| Travelers | $141 |
| Direct Auto | $144 |
Average Auto Insurance Rates In Kalamazoo – By Age
A driver’s age is a crucial factor in car insurance pricing. Younger drivers, who are at a greater risk of accidents, often pay more—teenagers, for instance, typically spend around $1,994 per year on coverage.
Around age 25, insurance companies begin offering lower rates to drivers with a history of safe driving.
Insurance companies typically offer the best rates to drivers in their 50s and early 60s since they use age to determine experience and accident risk.
| Age | Average Yearly Rate |
| Teenagers | $1,994 |
| 20s | $1,373 |
| 30s | $1,059 |
| 40s | $1,028 |
| 50s | $936 |
| 60s | $816 |
| 70s | $1,095 |
Average Rates In Kalamazoo – By Vehicle
Your insurance premium is determined in part by your car’s make, model, and year. New luxury cars with cutting-edge features generally have higher rates because they cost more to repair and replace.
Find out the typical insurance costs for different vehicles in Kalamazoo by checking the table below.
| Vehicle | Average Monthly Rate |
| Volkswagen Jetta | $99 |
| Dodge Dakota | $140 |
| Toyota Rav 4 | $85 |
| Chevrolet Equinox | $240 |
| Nissan Altima | $220 |
Average Cost Of Auto Insurance In Kalamazoo – By Zip Code
Each zip code has unique car insurance rates because insurers consider local crime statistics.
Find out the average insurance costs for different Kalamazoo zip codes using the table below.
| City | Average Monthly Rate |
| 49009 | $103 |
| 49007 | $87 |
| 49006 | $110 |
| 49020 | $35 |
| 49001 | $90 |
How Much Is Car Insurance For Other Cities In Michigan?
Where you live affects how much you pay for car insurance. Urban areas, which see more traffic accidents and car-related crimes, often lead to higher premiums.
The cost of car insurance differs by city—Dearborn drivers pay about $170 per month, while in Lansing, the average is $95.
| City | Average Monthly Rate |
| Grand Rapids | $96 |
| Ann Arbor | $104 |
| Lansing | $95 |
| Flint | $111 |
| South Field | $140 |
| Dearborn | $170 |
| Saginaw | $102 |
| Detroit | $154 |
| Troy | $122 |
| Muskegon | $98 |
Find affordable Kalamazoo rates
Our Methodology
I’ve gathered insights from customer reviews, policy details, pricing, and online ratings to present a detailed look at car insurance providers in Kalamazoo, MI. This perspective is informed by over 15 years of direct involvement in the industry as a licensed insurance agent. It's shaped by countless interactions with representatives from different companies and insights gained through firsthand experience.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Kalamazoo?
For drivers in Kalamazoo, Auto-Owners offers the cheapest rates for minimum insurance, while Chubb has the most affordable full coverage, covering both comprehensive and collision.
What is the average cost of car insurance in Kalamazoo?
The cost of car insurance in Kalamazoo is typically about $100 per month, though prices shift based on factors such as your zip code, car details, and driving record.
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