It's hard not to fall in love with a city called Kalamazoo. Not only does this bustling metropolis play host to two universities, impressive health care facilities, and nature retreats, but more than 260,000 residents who call the place home. And with a density like that, Kalamazoo, MI sees its fair share of traffic. To ensure you're covered on the road, team up with an Independent Insurance Agent. Not only will you receive a Kalamazoo car insurance policy tailored to your needs, but your agent will search high and low to find you the most affordable options.
Cost of Car Insurance in Michigan
- National average cost per year: $1,311
- Michigan average cost per year: $2,476
- #1 most expensive auto premium in the U.S.
Michigan's average auto insurance cost is nearly double the national rate, but you don't have to live up to that statistic with an Independent Insurance Agent on your side. Michigan may have the most expensive premium in the country, but your rate can change depending on a number of personal factors including the make and model of your car. Things even as uncontrollable as your age and gender can influence your monthly rates. Your local agent in Kalamazoo will get you the most cost-effective policy possible by comparing coverages and companies given your information.
Michigan Car Insurance Requirements
- Bodily injury liability: required
- Property damage liability: required
- Personal injury protection (PIP): required
- Minimum liability limits: 20/40/10
The state requires you to have coverage up to $20,000 per individual injured, $40,000 for all persons injured and $10,000 for property damage. These minimums may seem high, but when you need to rely on your insurance coverage, these minimum required amounts may not be enough. That's why it's crucial to talk about your options with an Independent Agent. Purchasing Kalamazoo car insurance with the highest limits possible puts you in a better situation in the event of an accident.
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Number of Uninsured Motorists in Michigan
- Number of uninsured U.S. drivers: 12.6%
- Number of uninsured Michigan drivers: 21%
Michigan may require coverage, but that doesn't necessarily mean every driver has it. Did you know that the number of uninsured drivers in Michigan is nearly double that of the national rate? Chances are you know someone in Kalamazoo who isn't covered, or chances are you drive by an uninsured motorist on a daily basis. If you were to get into an accident with an uninsured driver, the outcome could be devastating. Stay protected by signing up for uninsured motorist coverage with your local independent agent.
Number of Auto Thefts in Michigan
- National number of thefts per 1,000 vehicles: 2.94
- Number of thefts per 1,000 vehicles in Michigan: 3.33
You don't think it's going to happen until it happens. Unfortunately, the chances that your vehicle will be stolen in Michigan are pretty high. You can try to prevent theft by bringing valuables with you or parking your car under or near lighted areas. But the one true way to give yourself ease of mind is to get Kalamazoo auto insurance to protect yourself in the event of a loss.
Find a Great Kalamazoo Car Insurance Policy
Receiving a customized Kalamazoo auto insurance policy is easy with an Independent Insurance Agent. No matter your financial, auto or personal situation, your personal agent will compare quotes and companies and then find the best rates for you to choose from. Car insurance doesn't have to cause a headache. An agent is dedicated to using his or her experience and expertise to get you covered at the price you need.