Compare Otisville, MI Car Insurance Rates (2021)

Car insurance in Otisville, MI averages $888 a month. Otisville, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Otisville car insurance rates, compare quotes from the top car insurance companies in Otisville, MI.

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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 Otisville for teen drivers is USAA
  • Average car insurance rates in Otisville, MI are $10,659/year
  • The cheapest car insurance company in Otisville is USAA

If you need to buy Otisville, Michigan car insurance, the options can be confusing. Everything you need to know about car insurance in Otisville, MI is right here.

You’ll find Otisville car insurance rates, the cheapest Otisville, MI car insurance companies, and information on Michigan car insurance laws. You can also compare Otisville, Michigan car insurance rates to Grand Rapids car insurance rates, Dearborn car insurance rates, and Detroit car insurance rates.

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

Cheapest Otisville, MI Car Insurance Rates By Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Otisville, Michigan

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 $16,573 $16,573 $15,390 $15,390 $41,332 $41,332 $17,463 $17,463
Farmers $5,175 $5,175 $4,842 $4,842 $11,081 $11,081 $5,799 $5,799
GEICO $4,887 $4,887 $4,987 $4,987 $13,110 $13,110 $4,656 $4,656
Liberty Mutual $15,121 $15,121 $14,973 $14,973 $35,325 $35,325 $15,121 $15,121
Nationwide $5,402 $5,402 $4,787 $4,787 $14,586 $14,586 $5,943 $5,943
Progressive $3,258 $3,006 $2,876 $3,234 $11,870 $12,565 $3,786 $3,452
State Farm $8,172 $8,172 $7,603 $7,603 $29,029 $29,029 $9,608 $9,608
Travelers $5,804 $5,804 $4,983 $4,983 $17,517 $17,517 $6,307 $6,307
USAA $2,939 $2,766 $2,766 $2,598 $7,279 $6,877 $3,581 $3,411

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Minimum Car Insurance in Otisville, MI

Every driver must carry the minimum car insurance in Otisville, MI. Take a look at the Michigan car insurance requirements.

Minimum Required Car Insurance Coverage in Otisville, Michigan

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Otisville, MI Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Otisville, Michigan

Insurance Company Poor Fair Good
Allstate $34,426 $19,061 $14,582
Farmers $9,023 $5,810 $5,339
GEICO $8,896 $6,529 $5,304
Liberty Mutual $31,853 $18,397 $10,156
Nationwide $9,656 $7,245 $6,138
Progressive $6,369 $5,347 $4,801
State Farm $22,084 $11,158 $7,567
Travelers $8,869 $8,599 $8,490
USAA $6,042 $3,437 $2,602

Cheapest Otisville, MI 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 Otisville, MI to rates for a clean record with top companies.

Annual Otisville, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,998 $14,706 $49,618 $15,437
Farmers $5,662 $7,190 $7,117 $6,928
GEICO $2,423 $5,132 $15,603 $4,481
Liberty Mutual $13,873 $16,903 $31,873 $17,892
Nationwide $6,550 $8,796 $7,979 $7,394
Progressive $4,649 $6,142 $5,520 $5,713
State Farm $8,572 $10,322 $22,572 $12,947
Travelers $5,866 $8,365 $13,444 $6,936
USAA $3,231 $4,049 $5,305 $3,524

Cheapest Otisville, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Otisville, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,332 $41,332
Farmers $11,081 $11,081
GEICO $13,110 $13,110
Liberty Mutual $35,325 $35,325
Nationwide $14,586 $14,586
Progressive $11,870 $12,565
State Farm $29,029 $29,029
Travelers $17,517 $17,517
USAA $7,279 $6,877

Cheapest Otisville, MI Car Insurance for Seniors

Take a look at Otisville, MI 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 Otisville, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,390 $15,390
Farmers $4,842 $4,842
GEICO $4,987 $4,987
Liberty Mutual $14,973 $14,973
Nationwide $4,787 $4,787
Progressive $2,876 $3,234
State Farm $7,603 $7,603
Travelers $4,983 $4,983
USAA $2,766 $2,598

Cheapest Otisville, MI Car Insurance Rates After a DUI

A DUI in Otisville, MI increases car insurance rates. Compare Otisville, Michigan DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Otisville, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $49,618
Farmers $7,117
GEICO $15,603
Liberty Mutual $31,873
Nationwide $7,979
Progressive $5,520
State Farm $22,572
Travelers $13,444
USAA $5,305

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Cheapest Otisville, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Otisville, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $22,689 $22,689
Farmers $6,724 $6,724
GEICO $6,752 $7,068
Liberty Mutual $19,449 $20,822
Nationwide $7,680 $7,680
Progressive $5,506 $5,506
State Farm $13,234 $13,973
Travelers $8,603 $8,702
USAA $3,981 $4,074

The Best Cheap Car Insurance Companies in Otisville, MI

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

Average Annual Car Insurance Rates by Company in Otisville, Michigan

Insurance Company Average Annual Rates
Allstate $22,689
Farmers $6,724
GEICO $6,910
Liberty Mutual $20,135
Nationwide $7,680
Progressive $5,506
State Farm $13,603
Travelers $8,653
USAA $4,027

Category Winners: Cheapest Car Insurance in Otisville, Michigan

Find the cheapest car insurance companies in Otisville, MI for each category right here.

Best Annual Car Insurance Rates by Company in Otisville, Michigan

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

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Cheapest Otisville, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Otisville, Michigan

Insurance Company Low Medium High
Allstate $22,072 $22,745 $23,252
Farmers $6,538 $6,708 $6,926
GEICO $6,535 $6,858 $7,336
Liberty Mutual $19,599 $20,083 $20,724
Nationwide $8,032 $7,551 $7,456
Progressive $5,325 $5,513 $5,679
State Farm $12,902 $13,690 $14,218
Travelers $8,564 $8,661 $8,732
USAA $3,902 $4,038 $4,141

What affects car insurance rates in Otisville, Michigan?

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

Car Theft in Otisville

High levels of vehicle theft can make car insurance more expensive. Otisville, MI car theft statistics from the FBI indicate 0 vehicle thefts a year.

Commute Time in Otisville

The more time you spend in your car the higher the risk of an accident. The average commute length in Otisville, MI is 27.9 minutes according to City-Data.

Compare Car Insurance Quotes in Otisville, MI

Ready to find affordable Otisville, Michigan car insurance today? Enter your ZIP code for fast, free Otisville, MI car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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