Best Lake Odessa, Michigan Auto Insurance in 2025
The average Lake Odessa, MI auto insurance rates are $769 per month. The minimum auto insurance in Lake Odessa is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Lake Odessa, Michigan, compare quotes from multiple companies.
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Insurance and Finance Writer
Luke Williams is a finance, insurance, real estate, and home improvement expert based in Philadelphia, Pennsylvania, specializing in writing and researching for consumers. He studied finance, economics, and communications at Pennsylvania State University and graduated with a degree in Corporate Communications. His insurance and finance writing has been featured on Spoxor, The Good Men Project...
Luke Williams
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Michelle Robbins
Updated September 2024
- The most expensive auto insurance company in Lake Odessa for teen drivers is Allstate
- The average commute length in Lake Odessa is 29.1 minutes
- The minimum auto insurance required in Lake Odessa, Michigan is 20/40/10
Lake Odessa, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Lake Odessa can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lake Odessa, Michigan, including driving record, credit, commute time, and more.
Compare auto insurance in Lake Odessa to other Michigan cities, including Livonia auto insurance rates, Sterling Heights auto insurance rates, and Detroit auto insurance rates to see how Lake Odessa, Michigan auto insurance rates stack up.
Before you buy Lake Odessa, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lake Odessa, Michigan auto insurance quotes.
Minimum Auto Insurance in Lake Odessa, Michigan
Lake Odessa, Michigan auto insurance laws require that you have at least the Michigan minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Lake Odessa, 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 |
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Cheap Lake Odessa, Michigan Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Lake Odessa, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $16,758 | $16,758 | $15,566 | $15,566 | $41,506 | $41,506 | $17,653 | $17,653 |
| Farmers | $4,313 | $4,313 | $4,022 | $4,022 | $9,335 | $9,335 | $4,835 | $4,835 |
| Geico | $4,000 | $4,000 | $4,066 | $4,066 | $11,283 | $11,283 | $3,826 | $3,826 |
| Liberty Mutual | $14,499 | $14,499 | $14,355 | $14,355 | $34,357 | $34,357 | $14,499 | $14,499 |
| Nationwide | $2,796 | $2,796 | $2,515 | $2,515 | $6,805 | $6,805 | $3,033 | $3,033 |
| Progressive | $3,022 | $2,830 | $2,661 | $2,963 | $10,720 | $11,425 | $3,526 | $3,287 |
| State Farm | $6,436 | $6,436 | $5,943 | $5,943 | $22,042 | $22,042 | $7,535 | $7,535 |
| Travelers | $4,480 | $4,480 | $3,858 | $3,858 | $13,395 | $13,395 | $4,862 | $4,862 |
| USAA | $2,485 | $2,361 | $2,335 | $2,213 | $5,990 | $5,704 | $3,027 | $2,914 |
Cheap Lake Odessa, Michigan Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Lake Odessa, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Lake Odessa, Michigan.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $41,506 | $41,506 |
| Farmers | $9,335 | $9,335 |
| Geico | $11,283 | $11,283 |
| Liberty Mutual | $34,357 | $34,357 |
| Nationwide | $6,805 | $6,805 |
| Progressive | $10,720 | $11,425 |
| State Farm | $22,042 | $22,042 |
| Travelers | $13,395 | $13,395 |
| USAA | $5,990 | $5,704 |
Cheap Lake Odessa, Michigan Auto Insurance for Seniors
What are senior auto insurance rates in Lake Odessa, Michigan? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $15,566 | $15,566 |
| Farmers | $4,022 | $4,022 |
| Geico | $4,066 | $4,066 |
| Liberty Mutual | $14,355 | $14,355 |
| Nationwide | $2,515 | $2,515 |
| Progressive | $2,661 | $2,963 |
| State Farm | $5,943 | $5,943 |
| Travelers | $3,858 | $3,858 |
| USAA | $2,335 | $2,213 |
Cheap Lake Odessa, Michigan Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lake Odessa, Michigan compared to the annual auto insurance rates with a clean record in Lake Odessa, Michigan.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $11,140 | $14,886 | $49,871 | $15,586 |
| Farmers | $4,742 | $6,015 | $5,946 | $5,801 |
| Geico | $2,047 | $4,315 | $13,038 | $3,776 |
| Liberty Mutual | $13,662 | $16,428 | $30,178 | $17,443 |
| Nationwide | $3,269 | $4,294 | $3,929 | $3,658 |
| Progressive | $4,287 | $5,614 | $5,063 | $5,252 |
| State Farm | $6,784 | $8,073 | $17,093 | $10,006 |
| Travelers | $4,510 | $6,426 | $10,331 | $5,327 |
| USAA | $2,723 | $3,387 | $4,437 | $2,966 |
Cheap Lake Odessa, Michigan Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Lake Odessa, Michigan is not easy. Compare the annual rates for DUI auto insurance in Lake Odessa, Michigan to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $49,871 |
| Farmers | $5,946 |
| Geico | $13,038 |
| Liberty Mutual | $30,178 |
| Nationwide | $3,929 |
| Progressive | $5,063 |
| State Farm | $17,093 |
| Travelers | $10,331 |
| USAA | $4,437 |
Cheap Lake Odessa, Michigan Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Lake Odessa, Michigan annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $34,761 | $19,207 | $14,645 |
| Farmers | $7,481 | $4,890 | $4,507 |
| Geico | $7,450 | $5,476 | $4,455 |
| Liberty Mutual | $30,734 | $17,750 | $9,799 |
| Nationwide | $4,707 | $3,581 | $3,074 |
| Progressive | $5,847 | $4,902 | $4,414 |
| State Farm | $16,999 | $8,612 | $5,856 |
| Travelers | $6,813 | $6,608 | $6,525 |
| USAA | $5,050 | $2,884 | $2,201 |
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Cheap Lake Odessa, Michigan Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Lake Odessa, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Lake Odessa, Michigan to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 48849 | $6,418 |
Cheap Lake Odessa, Michigan Auto Insurance Rates By Commute
Commute length and annual mileage affect Lake Odessa, Michigan auto insurance. Find the cheapest annual Lake Odessa, Michigan auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $22,871 | $22,871 |
| Farmers | $5,626 | $5,626 |
| Geico | $5,661 | $5,927 |
| Liberty Mutual | $18,753 | $20,103 |
| Nationwide | $3,787 | $3,787 |
| Progressive | $5,054 | $5,054 |
| State Farm | $10,205 | $10,773 |
| Travelers | $6,611 | $6,686 |
| USAA | $3,340 | $3,417 |
Cheap Lake Odessa, Michigan Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Lake Odessa, Michigan? Check out the comparison of annual Lake Odessa, Michigan auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $22,308 | $22,921 | $23,383 |
| Farmers | $5,481 | $5,612 | $5,785 |
| Geico | $5,412 | $5,741 | $6,229 |
| Liberty Mutual | $18,989 | $19,385 | $19,909 |
| Nationwide | $3,941 | $3,729 | $3,692 |
| Progressive | $4,901 | $5,062 | $5,200 |
| State Farm | $9,970 | $10,553 | $10,944 |
| Travelers | $6,575 | $6,656 | $6,715 |
| USAA | $3,284 | $3,386 | $3,466 |
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Best By Category: Cheapest Auto Insurance in Lake Odessa, Michigan
Compare the cheapest auto insurance companies in Lake Odessa, Michigan in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | Nationwide |
| With 1 Speeding Violation | USAA |
The Cheapest Lake Odessa, Michigan Auto Insurance Companies
What auto insurance companies in Lake Odessa, Michigan are the cheapest? Compare the top Lake Odessa, Michigan auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $22,871 |
| Farmers | $5,626 |
| Geico | $5,794 |
| Liberty Mutual | $19,428 |
| Nationwide | $3,787 |
| Progressive | $5,054 |
| State Farm | $10,489 |
| Travelers | $6,649 |
| USAA | $3,379 |
What affects auto insurance rates in Lake Odessa, Michigan?
There are a lot of reasons why auto insurance rates in Lake Odessa, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lake Odessa, Michigan. Many local factors may affect your Lake Odessa auto insurance rates.
Lake Odessa Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Lake Odessa, Michigan auto theft statistics, there have been 0 auto thefts in the city.
Lake Odessa Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lake Odessa, Michigan commute length is 29.1 minutes according to City-Data.
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Compare Lake Odessa, Michigan Auto Insurance Quotes
Before you buy Lake Odessa, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lake Odessa, Michigan auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Lake Odessa, MI?
Yes, auto insurance is mandatory in Lake Odessa, MI, as it is in most states. Michigan law requires all drivers to carry a minimum amount of liability insurance to cover injuries or damages caused to others in an accident.
What is the minimum auto insurance coverage required in Lake Odessa, MI?
In Michigan, the minimum auto insurance coverage required includes Personal Injury Protection (PIP) coverage of $250,000 per person, $500,000 per accident for bodily injury liability, and $10,000 for property damage liability.
What factors can affect my auto insurance rates in Lake Odessa, MI?
Several factors can impact your auto insurance rates in Lake Odessa, MI. These factors include your driving history, age, gender, marital status, type of vehicle, credit score, and the coverage options you choose. Additionally, local factors such as the rate of accidents and crime in your area can also influence your rates.
Can I use my personal auto insurance for business purposes in Lake Odessa, MI?
Generally, personal auto insurance policies do not cover vehicles used for business purposes. If you use your vehicle for business activities, such as making deliveries or transporting clients, you may need a separate commercial auto insurance policy to ensure proper coverage.
Are there any discounts available for auto insurance in Lake Odessa, MI?
Yes, many insurance companies offer various discounts that can help lower your auto insurance premiums. Common discounts include safe driver discounts, multi-vehicle discounts, bundling auto and home insurance, good student discounts, and discounts for installing anti-theft devices or safety features in your vehicle.
What should I do after a car accident in Lake Odessa, MI?
After a car accident in Lake Odessa, MI, you should prioritize your safety and the safety of others involved. Call emergency services if necessary and exchange information with the other driver(s) involved. It’s important to report the accident to your insurance company as soon as possible and cooperate fully with their claims process.
Can I choose any auto repair shop for repairs after an accident in Lake Odessa, MI
In most cases, you have the right to choose any auto repair shop you prefer for repairs after an accident in Lake Odessa, MI. However, if you have chosen a repair shop that charges rates significantly higher than the prevailing market rates, your insurance company may only cover the reasonable costs of repairs.
Can my auto insurance policy be canceled in Lake Odessa, MI?
Yes, auto insurance policies can be canceled in Lake Odessa, MI, under certain circumstances. Insurance companies may cancel a policy for reasons such as non-payment of premiums, misrepresentation of information, or a suspended driver’s license. It’s important to maintain a good driving record and pay your premiums on time to avoid policy cancellations.
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