Compare Osgood, IN Car Insurance Rates (2021)

Car insurance in Osgood, IN averages $273 a month. Osgood, Indiana car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Osgood car insurance rates, compare quotes from the top car insurance companies in Osgood, IN.

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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 Osgood for teen drivers is USAA
  • Average car insurance rates in Osgood, IN after a DUI are $3,882/year
  • Average car insurance rates in Osgood, IN are $3,270/year

If you need to buy Osgood, Indiana car insurance, the options can be confusing. Everything you need to know about car insurance in Osgood, IN is right here.

You’ll find Osgood car insurance rates, the cheapest Osgood, IN car insurance companies, and information on Indiana car insurance laws. You can also compare Osgood, Indiana car insurance rates to Fishers car insurance rates, Bloomington car insurance rates, and Indianapolis car insurance rates.

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

Cheapest Osgood, IN Car Insurance Rates By Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Osgood, Indiana

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 $2,314 $2,374 $2,028 $2,216 $6,993 $8,783 $2,358 $2,568
American Family $2,277 $2,277 $2,048 $2,048 $6,259 $9,073 $2,277 $2,811
Farmers $1,580 $1,559 $1,351 $1,515 $8,500 $9,069 $2,082 $2,253
GEICO $1,673 $1,657 $1,547 $1,591 $4,871 $4,549 $1,912 $1,701
Liberty Mutual $3,831 $3,831 $3,522 $3,522 $8,383 $12,656 $3,831 $5,251
Nationwide $1,882 $1,928 $1,642 $1,761 $5,505 $7,186 $2,208 $2,424
Progressive $1,617 $1,537 $1,460 $1,471 $9,400 $10,591 $2,031 $2,084
State Farm $1,418 $1,418 $1,254 $1,254 $4,181 $5,367 $1,563 $1,740
Travelers $1,152 $1,172 $1,079 $1,078 $6,986 $10,994 $1,216 $1,414
USAA $1,012 $998 $938 $948 $2,786 $3,124 $1,369 $1,469

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Minimum Car Insurance in Osgood, IN

Every driver must carry the minimum car insurance in Osgood, IN. Take a look at the Indiana car insurance requirements.

Minimum Required Car Insurance Coverage in Osgood, Indiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Osgood, IN Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Osgood, Indiana

Insurance Company Poor Fair Good
Allstate $4,591 $3,418 $3,104
American Family $4,970 $3,229 $2,702
Farmers $4,069 $3,320 $3,077
GEICO $2,934 $2,438 $1,941
Liberty Mutual $7,462 $4,857 $4,492
Nationwide $3,495 $2,950 $2,757
Progressive $4,169 $3,683 $3,470
State Farm $3,314 $1,977 $1,533
Travelers $3,496 $2,958 $2,955
USAA $2,135 $1,405 $1,202

Cheapest Osgood, IN 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 Osgood, IN to rates for a clean record with top companies.

Annual Osgood, Indiana Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,963 $4,332 $4,001 $3,522
American Family $2,504 $3,994 $5,054 $2,983
Farmers $3,123 $3,637 $3,746 $3,446
GEICO $1,607 $2,518 $3,385 $2,240
Liberty Mutual $4,366 $5,151 $8,085 $4,813
Nationwide $2,629 $3,407 $3,264 $2,969
Progressive $2,837 $4,936 $3,383 $3,939
State Farm $2,223 $2,429 $2,223 $2,223
Travelers $2,662 $3,294 $3,733 $2,856
USAA $1,196 $1,697 $1,948 $1,482

Cheapest Osgood, IN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Osgood, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,993 $8,783
American Family $6,259 $9,073
Farmers $8,500 $9,069
GEICO $4,871 $4,549
Liberty Mutual $8,383 $12,656
Nationwide $5,505 $7,186
Progressive $9,400 $10,591
State Farm $4,181 $5,367
Travelers $6,986 $10,994
USAA $2,786 $3,124

Cheapest Osgood, IN Car Insurance for Seniors

Take a look at Osgood, IN 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 Osgood, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,028 $2,216
American Family $2,048 $2,048
Farmers $1,351 $1,515
GEICO $1,547 $1,591
Liberty Mutual $3,522 $3,522
Nationwide $1,642 $1,761
Progressive $1,460 $1,471
State Farm $1,254 $1,254
Travelers $1,079 $1,078
USAA $938 $948

Cheapest Osgood, IN Car Insurance Rates After a DUI

A DUI in Osgood, IN increases car insurance rates. Compare Osgood, Indiana DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Osgood, Indiana

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,001
American Family $5,054
Farmers $3,746
GEICO $3,385
Liberty Mutual $8,085
Nationwide $3,264
Progressive $3,383
State Farm $2,223
Travelers $3,733
USAA $1,948

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Cheapest Osgood, IN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Osgood, Indiana

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,704 $3,704
American Family $3,590 $3,677
Farmers $3,488 $3,488
GEICO $2,392 $2,483
Liberty Mutual $5,455 $5,752
Nationwide $3,067 $3,067
Progressive $3,774 $3,774
State Farm $2,210 $2,339
Travelers $3,136 $3,136
USAA $1,560 $1,602

The Best Cheap Car Insurance Companies in Osgood, IN

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

Average Annual Car Insurance Rates by Company in Osgood, Indiana

Insurance Company Average Annual Rates
Allstate $3,704
American Family $3,634
Farmers $3,488
GEICO $2,438
Liberty Mutual $5,604
Nationwide $3,067
Progressive $3,774
State Farm $2,274
Travelers $3,136
USAA $1,581

Category Winners: Cheapest Car Insurance in Osgood, Indiana

Find the cheapest car insurance companies in Osgood, IN for each category right here.

Best Annual Car Insurance Rates by Company in Osgood, Indiana

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

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Cheapest Osgood, IN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Osgood, Indiana

Insurance Company Low Medium High
Allstate $3,548 $3,691 $3,874
American Family $3,603 $3,754 $3,544
Farmers $3,366 $3,483 $3,616
GEICO $2,295 $2,432 $2,587
Liberty Mutual $5,421 $5,589 $5,801
Nationwide $3,120 $3,043 $3,039
Progressive $3,588 $3,722 $4,012
State Farm $2,177 $2,273 $2,373
Travelers $3,079 $3,166 $3,164
USAA $1,528 $1,577 $1,636

What affects car insurance rates in Osgood, Indiana?

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

Commute Time in Osgood

The more time you spend in your car the higher the risk of an accident. The average commute length in Osgood, IN is 25.6 minutes according to City-Data.

Compare Car Insurance Quotes in Osgood, IN

Ready to find affordable Osgood, Indiana car insurance today? Enter your ZIP code for fast, free Osgood, IN car insurance quotes.

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Average Monthly Car Insurance Rates by State