Compare Otsego, MI Car Insurance Rates (2021)

Car insurance in Otsego, MI averages $728 a month. Otsego, Michigan car insurance requirements are 20/40/10, but you might need full coverage insurance if your car is financed. To find cheap Otsego car insurance rates, compare quotes from the top car insurance companies in Otsego, MI.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Otsego for teen drivers is USAA
  • The cheapest car insurance company in Otsego is USAA
  • Average car insurance rates in Otsego, MI are $8,735/year

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

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

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

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

How do age, gender, and marital status affect Otsego, MI car insurance rates? Every Otsego, 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 Otsego, 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 $14,982 $14,982 $13,874 $13,874 $37,719 $37,719 $15,796 $15,796
Farmers $4,246 $4,246 $3,962 $3,962 $9,443 $9,443 $4,780 $4,780
GEICO $3,803 $3,803 $3,889 $3,889 $10,803 $10,803 $3,638 $3,638
Liberty Mutual $12,631 $12,631 $12,507 $12,507 $29,564 $29,564 $12,631 $12,631
Nationwide $4,147 $4,147 $3,680 $3,680 $11,181 $11,181 $4,558 $4,558
Progressive $2,558 $2,396 $2,271 $2,504 $9,429 $10,131 $2,973 $2,794
State Farm $5,860 $5,860 $5,431 $5,431 $20,415 $20,415 $6,875 $6,875
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,513 $2,399 $2,359 $2,239 $6,240 $5,989 $3,085 $2,987

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Otsego, MI

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

Minimum Required Car Insurance Coverage in Otsego, 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 Otsego, MI Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Otsego, Michigan

Insurance Company Poor Fair Good
Allstate $31,205 $17,285 $13,288
Farmers $7,407 $4,898 $4,519
GEICO $7,112 $5,231 $4,257
Liberty Mutual $26,611 $15,381 $8,508
Nationwide $7,354 $5,572 $4,748
Progressive $5,027 $4,258 $3,861
State Farm $15,619 $7,923 $5,394
Travelers $6,813 $6,608 $6,525
USAA $5,200 $2,961 $2,268

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

Annual Otsego, Michigan Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,081 $13,424 $44,793 $14,072
Farmers $4,709 $6,002 $5,926 $5,795
GEICO $1,935 $4,121 $12,485 $3,592
Liberty Mutual $11,651 $14,167 $26,510 $15,005
Nationwide $5,052 $6,718 $6,115 $5,681
Progressive $3,743 $4,866 $4,376 $4,543
State Farm $6,150 $7,365 $15,876 $9,189
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,798 $3,485 $4,572 $3,051

Cheapest Otsego, MI Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Otsego, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $37,719 $37,719
Farmers $9,443 $9,443
GEICO $10,803 $10,803
Liberty Mutual $29,564 $29,564
Nationwide $11,181 $11,181
Progressive $9,429 $10,131
State Farm $20,415 $20,415
Travelers $13,395 $13,395
USAA $6,240 $5,989

Cheapest Otsego, MI Car Insurance for Seniors

Take a look at Otsego, 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 Otsego, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $13,874 $13,874
Farmers $3,962 $3,962
GEICO $3,889 $3,889
Liberty Mutual $12,507 $12,507
Nationwide $3,680 $3,680
Progressive $2,271 $2,504
State Farm $5,431 $5,431
Travelers $3,858 $3,858
USAA $2,359 $2,239

Cheapest Otsego, MI Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Otsego, Michigan

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $44,793
Farmers $5,926
GEICO $12,485
Liberty Mutual $26,510
Nationwide $6,115
Progressive $4,376
State Farm $15,876
Travelers $10,331
USAA $4,572

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Otsego, MI Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Otsego, Michigan

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $20,593 $20,593
Farmers $5,608 $5,608
GEICO $5,408 $5,658
Liberty Mutual $16,258 $17,409
Nationwide $5,892 $5,892
Progressive $4,382 $4,382
State Farm $9,390 $9,901
Travelers $6,611 $6,686
USAA $3,437 $3,516

The Best Cheap Car Insurance Companies in Otsego, MI

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

Average Annual Car Insurance Rates by Company in Otsego, Michigan

Insurance Company Average Annual Rates
Allstate $20,593
Farmers $5,608
GEICO $5,533
Liberty Mutual $16,833
Nationwide $5,892
Progressive $4,382
State Farm $9,645
Travelers $6,649
USAA $3,476

Category Winners: Cheapest Car Insurance in Otsego, Michigan

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

Best Annual Car Insurance Rates by Company in Otsego, Michigan

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Otsego, MI Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Otsego, Michigan

Insurance Company Low Medium High
Allstate $20,104 $20,636 $21,038
Farmers $5,492 $5,598 $5,733
GEICO $5,183 $5,486 $5,931
Liberty Mutual $16,431 $16,795 $17,275
Nationwide $6,173 $5,789 $5,713
Progressive $4,258 $4,387 $4,501
State Farm $9,182 $9,702 $10,051
Travelers $6,575 $6,656 $6,715
USAA $3,380 $3,484 $3,565

What affects car insurance rates in Otsego, Michigan?

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

Car Theft in Otsego

High levels of vehicle theft can make car insurance more expensive. Otsego, MI car theft statistics from the FBI indicate 3 vehicle thefts a year.

Commute Time in Otsego

The more time you spend in your car the higher the risk of an accident. The average commute length in Otsego, MI is 24.3 minutes according to City-Data.

Compare Car Insurance Quotes in Otsego, MI

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption