In Kalamazoo, drivers pay an average of about $811 per year for minimum coverage and $1,973 for full coverage, which is above the national average. Drivers probably pay more in the area due to more dangerous weather conditions and road hazards, but it’s still possible to find cheap fares in Kalamazoo.
The cheapest auto insurance company in Kalamazoo is Progressive, according to Bankrate’s 2021 Listed Annual Premiums Study. However, car insurance in Kalamazoo offers many options and different prices to suit the budgets and needs of drivers. We looked at various factors to narrow down the car insurance providers that we believe meet 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, along with many other benefits. Kalamazoo drivers have many options when it comes to car insurance. However, not all Michigan auto insurance companies are created equal.
To determine the best cheap insurance in Kalamazoo, we looked at scores from JD Power (an independent customer satisfaction rating company), average premiums, policy options and available discounts and assigned each provider a Bankrate score on a scale of 5.0. This score represents a more comprehensive view of each insurer than just cheap rates. These are the companies that we have found to be the best cheap car insurance companies in Kalamazoo.
Progressive is the cheapest option for cheap auto insurance companies in Kalamazoo among the companies we surveyed. Although it scores slightly above average in the JD Power Customer Satisfaction Survey, Progressive excels at price transparency with the Name Your Price tool, which lets you provide your budget and see what car insurance options are available in this price range.
Learn more: Progressive Insurance Review
Geico has some of the lowest average premium rates for Kalamazoo for full coverage and minimum coverage options among the companies we’ve reviewed. It also offers many potential discounts. Geico’s score of 837 in the JD Power survey puts it slightly below the regional average, but its AM Best financial strength rating of Superior A++ highlights its outstanding claims-paying reputation.
Learn more: Geico Insurance Review
Auto-Owners offers many coverage options to policyholders. If your accident involves someone who also has homeowners insurance, the provider will waive your deductible. Auto-Owners also offers a joint loss deductible option that reduces your personal expenses if your home and car are insured with Auto-Owners and a single event causes damage to both. These unique benefits, along with above-average JD Power customer satisfaction scores and below-average premium rates, could make auto owners a solid option for many drivers.
Learn more: Automobile Owners Insurance Review
Although Allstate is the most expensive on our list, it generally excels at providing plenty of coverage options and potential discounts. While the company covers all the basics, it also offers a variety of add-on options, including accident forgiveness, ride-sharing coverage, and new car replacement for eligible policyholders. Although it also offers multiple discount opportunities, its JD Power customer satisfaction score is well below the regional average. Still, some drivers might feel comfortable with this large and well-known car insurance company.
Learn more: Allstate Insurance Review
How to Get and Keep the Cheapest Auto Insurance in Kalamazoo
Not only is it possible to find the cheapest fares in Kalamazoo with a little extra research, but it is also possible to maintain the most affordable fares. Keep these tips in mind to get and keep the cheapest auto insurance available to you:
- Know the correct coverage limits. While buying minimal coverage may not be the best financial protection strategy, buying too much insurance is also not ideal. 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 good driving record not only keeps you and others as safe as possible on the road, it also saves you money. You can often get discounts to stay claim- or accident-free, and a clean driving record often helps you get the lowest rates possible.
Frequently Asked Questions
Bankrate uses Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates shown are based on a 40-year-old male and female with a clean driving record , good credit and the following complete coverage limits:
- Civil liability of $100,000 in bodily injury per person
- Civil liability of $300,000 in bodily injury per accident
- Civil liability of $50,000 in property damage per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 aggregate deductible
To determine minimum coverage limits, Bankrate has used a minimum coverage that meets each state’s requirements. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles a year.
These are sampling rates and should only be used for comparison purposes.
Discount rate score
Exchange rate scores primarily reflect a weighted ranking of industry standard ratings for financial strength and customer experience, in addition to analysis of annual premiums quoted by Quadrant Information Services, covering all 50 states and Washington, D.C. DC We know it’s important for drivers to feel confident that their financial protection covers the most likely risks, is priced competitively and is provided by a financially strong company with a track record of positive customer support.
In determining how well the top auto insurance companies meet these priorities, third-party agency ratings from JD Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ currency scores. . Since 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, evaluated on over 35,000 U.S. zip codes, has provided a basis on which drivers can compare each supplier.
While coverage options, insurer availability, affordability and customer experience are often top priorities, Bankrate also analyzed each insurer’s online and mobile resources for managing policies and handling claims. Insurance is changing rapidly to keep pace with our digital world, so these aspects have also weighed in determining the exchange rate scores.