Drivers in Kalamazoo pay an average of $811 for minimum coverage, and $1,973 to get full coverage. This is lower than the Michigan average premium, but higher than the national average and states nearby such as Illinois. Kalamazoo was the site of 8 526 accidents in 2017, including 29 deaths.
There are many options for Kalamazoo car insurance. Each policy has a different price point to suit drivers’ needs and budgets. To narrow down the list of car insurance providers that meet our criteria for cheap car insurance in Kalamazoo, we considered a number of factors. These factors include satisfaction scores and average rates.
Kalamazoo’s best car insurance company
Kalamazoo residents have many choices when it comes to car coverage. There are many car insurance companies out there, but not all of them are equal. J.D. was our first choice for Kalamazoo’s best affordable insurance. We looked at J.D. Power scores, which is a third-party independent customer review company that measures customer satisfaction, premium averages, policy options and discounts. These are the companies that we consider to be the best in Kalamazoo car insurance.
|Insurance company||J.D. J.D.||Minimum coverage: Average annual premium||Average annual premium for full coverage|
|Allstate||830 / 1000||$1,025||$2,261|
|Automobile 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 excels in offering discounts and options. Allstate offers all the basic coverage, but also provides a range of additional options such as rideshare coverage, accident forgiveness, and new car replacement for policyholders who are eligible. Allstate is one of the most trusted car insurance companies in Kalamazoo.
Policyholders can choose from many coverage options with Auto Owners. Your deductible will be waived if your accident involves another person who has Auto Owners insurance. Auto Owners usually covers you for a rental car, provided that you have the most comprehensive coverage in your policy. Auto Owners is a strong choice because of these unique benefits and the lower premium rates.
J.D. says Geico has the highest customer satisfaction score in North Central. Power, but also lower than average premium rates for Kalamazoo. Geico offers discounts to eligible customers that can save drivers up to 25%.
Although Progressive is slightly less expensive than Geico, the J.D. says that it does not meet the same customer satisfaction standards. The Power study. Progressive is great about price transparency. The Name Your Price tool allows you to enter your budget and view your options.
Westfield Insurance is an insurance company in the midwest with an average premium for minimum coverage, and an average premium for full coverage. Westfield has one of the most respected J.D. The North Central region has the highest power scores.
Kalamazoo has the lowest car insurance
Michigan drivers pay $2,375 on average for car insurance and $995 on average for minimum coverage. Kalamazoo drivers have a great deal to be thankful for. Their averages are $811 for minimum coverage and $1,973 full coverage.
Kalamazoo’s $1,973 average full coverage rate is still higher than the $1,485 average of nearby Illinois and the national average at $1,674.
According to our research, these are the companies that offer the lowest car insurance in Kalamazoo:
|Insurance company||Minimum coverage: Average annual premium||For full coverage, the average annual premium|
Insurance is a personal decision. Not all companies can be included in our Kalamazoo top providers list. Each company has its own unique offerings, so it is important to consider all options when choosing a carrier.
USAA, for example, caters to military personnel and their families. They offer great discounts and high customer satisfaction scores. The coverage options for Travelers are numerous and the premiums for minimal coverage are very low. MetLife and Progressive offer a lot of discounts, while Geico offers the best customer satisfaction and a competitive rate.
Kalamazoo Insurance requirements
Michigan is a state that does not allow for fault. This means you will be responsible for any injuries or property damage if you are involved in an accident. Michigan law requires all drivers to have a minimum of a 50/100/10 policy. Your insurance provider must cover:
- $50,000 bodily injury liability coverage per individual
- $100,000 bodily injury liability coverage per accident
- $10,000 per accident in property damage liability coverage
Some drivers choose to have more coverage because they know that minimum coverage will not cover all costs of an accident. This can lead to financial and legal risks.
Your individual situation will determine whether or not the minimum coverage provided by the state is sufficient. You may need to pay full coverage if you drive a leased vehicle or financed car. This is only one example of the many requirements that insurance covers.
Kalamazoo car insurance discount
Many car insurance companies offer discounts to help drivers reduce their premiums. These are the top car insurance discounts available in Kalamazoo
- Driver education: Senior drivers can receive a reduced rate if they refresh their driving skills by taking a defensive driving course.
- Students who are good students: Drivers with an average of “B” or higher can get discounts
- Multi-policy: This is one of the best ways to get discounts. This is where drivers can save money when they insure their car and home through the same provider.
- Safety features: Vehicles with safety features like multiple airbags and anti-theft systems are usually eligible for an insurance discount.
Questions frequently asked
Which is the best auto insurance company?
The best auto insurance company depends on the driver’s needs and background. Geico, Auto Owners and Westfield are some of the most highly rated insurance companies in Kalamazoo.
What is the cost of car insurance in Kalamazoo?
Kalamazoo’s average driver pays $1,973 annually for full coverage car insurance. Minimum coverage car insurance costs $811. The rate of a driver’s car insuring will be affected by factors such as age, credit score, and claims history.
What amount of Kalamazoo car insurance do you need?
Kalamazoo drivers must have at least 50/100/10 Personal Liability Car Insurance. However, some drivers may desire more. Talk to an agent to determine the best amount.