Best Cheap Auto Insurance in Oden, MI (2021)

The average Oden, MI auto insurance rates are $789 per month. The minimum auto insurance in Oden is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Oden, Michigan, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Oden, Michigan is 20/40/10
  • Average auto insurance rates in Oden, MI for senior drivers are $6,303 per year
  • The most expensive auto insurance company in Oden for teen drivers is Allstate

Oden, Michigan auto insurance requirements are 20/40/10 according to Michigan auto insurance laws. Finding cheap auto insurance in Oden 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 Oden, Michigan, including driving record, credit, commute time, and more.

Compare auto insurance in Oden to other Michigan cities, including Lansing auto insurance rates, Ann Arbor auto insurance rates, and Warren auto insurance rates to see how Oden, Michigan auto insurance rates stack up.

Before you buy Oden, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Oden, Michigan auto insurance quotes.

Minimum Auto Insurance in Oden, Michigan

Oden, 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 Oden, Michigan.

Minimum Required Auto Insurance Coverage in Oden, 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 Oden, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Oden, Michigan are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Oden, 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 $18,269 $18,269 $17,084 $17,084 $43,218 $43,218 $19,206 $19,206
Farmers $3,388 $3,388 $3,165 $3,165 $7,694 $7,694 $3,805 $3,805
GEICO $3,663 $3,663 $3,738 $3,738 $10,345 $10,345 $3,504 $3,504
Liberty Mutual $13,423 $13,423 $13,290 $13,290 $31,542 $31,542 $13,423 $13,423
Nationwide $4,680 $4,680 $4,166 $4,166 $12,064 $12,064 $5,117 $5,117
Progressive $2,926 $2,724 $2,587 $2,883 $10,688 $11,398 $3,405 $3,155
State Farm $6,290 $6,290 $5,806 $5,806 $21,782 $21,782 $7,383 $7,383
Travelers $5,348 $5,348 $4,589 $4,589 $16,137 $16,137 $5,811 $5,811
USAA $2,348 $2,243 $2,206 $2,098 $5,718 $5,482 $2,872 $2,782

Cheap Oden, Michigan Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Oden, Michigan is a challenge. Take a look at the annual teen auto insurance rates in Oden, Michigan.

Annual Auto Insurance Rates for Teen Drivers in Oden, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,218 $43,218
Farmers $7,694 $7,694
GEICO $10,345 $10,345
Liberty Mutual $31,542 $31,542
Nationwide $12,064 $12,064
Progressive $10,688 $11,398
State Farm $21,782 $21,782
Travelers $16,137 $16,137
USAA $5,718 $5,482

Cheap Oden, Michigan Auto Insurance for Seniors

What are senior auto insurance rates in Oden, Michigan? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Oden, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,084 $17,084
Farmers $3,165 $3,165
GEICO $3,738 $3,738
Liberty Mutual $13,290 $13,290
Nationwide $4,166 $4,166
Progressive $2,587 $2,883
State Farm $5,806 $5,806
Travelers $4,589 $4,589
USAA $2,206 $2,098

Cheap Oden, 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 Oden, Michigan compared to the annual auto insurance rates with a clean record in Oden, Michigan.

Annual Oden, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,886 $15,983 $53,293 $16,615
Farmers $3,797 $4,834 $4,768 $4,653
GEICO $1,871 $3,959 $11,963 $3,457
Liberty Mutual $12,457 $15,103 $28,109 $16,009
Nationwide $5,553 $7,442 $6,765 $6,267
Progressive $4,219 $5,533 $4,975 $5,157
State Farm $6,605 $7,896 $16,929 $9,831
Travelers $5,408 $7,706 $12,382 $6,390
USAA $2,596 $3,224 $4,227 $2,828

Cheap Oden, Michigan Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Oden, Michigan is not easy. Compare the annual rates for DUI auto insurance in Oden, Michigan to find the best deal.

Annual Auto Insurance Rates After a DUI in Oden, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $53,293
Farmers $4,768
GEICO $11,963
Liberty Mutual $28,109
Nationwide $6,765
Progressive $4,975
State Farm $16,929
Travelers $12,382
USAA $4,227

Cheap Oden, Michigan Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Oden, Michigan annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Oden, Michigan

Insurance Company Poor Fair Good
Allstate $37,430 $20,552 $15,349
Farmers $5,901 $3,967 $3,672
GEICO $6,826 $5,022 $4,089
Liberty Mutual $28,338 $16,372 $9,047
Nationwide $8,198 $6,128 $5,194
Progressive $5,731 $4,828 $4,354
State Farm $16,715 $8,470 $5,761
Travelers $8,169 $7,922 $7,822
USAA $4,801 $2,747 $2,108

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Cheap Oden, Michigan Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Oden, Michigan can vary. Compare the annual cost of auto insurance by ZIP code in Oden, Michigan to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Oden, Michigan

ZIP Code Average Annual Rates
49764 $6,642

Cheap Oden, Michigan Auto Insurance Rates By Commute

Commute length and annual mileage affect Oden, Michigan auto insurance. Find the cheapest annual Oden, Michigan auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Oden, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $24,444 $24,444
Farmers $4,513 $4,513
GEICO $5,192 $5,433
Liberty Mutual $17,304 $18,535
Nationwide $6,507 $6,507
Progressive $4,971 $4,971
State Farm $10,047 $10,584
Travelers $7,926 $8,017
USAA $3,182 $3,255

Cheap Oden, Michigan Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Oden, Michigan? Check out the comparison of annual Oden, Michigan auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Oden, Michigan

Insurance Company Low Medium High
Allstate $23,889 $24,493 $24,949
Farmers $4,386 $4,503 $4,651
GEICO $4,976 $5,267 $5,694
Liberty Mutual $17,501 $17,878 $18,379
Nationwide $6,846 $6,388 $6,286
Progressive $4,824 $4,977 $5,112
State Farm $9,852 $10,372 $10,721
Travelers $7,889 $7,978 $8,047
USAA $3,124 $3,226 $3,306

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Best By Category: Cheapest Auto Insurance in Oden, Michigan

Compare the cheapest auto insurance companies in Oden, Michigan in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Oden, Michigan

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

The Cheapest Oden, Michigan Auto Insurance Companies

What auto insurance companies in Oden, Michigan are the cheapest? Compare the top Oden, Michigan auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Oden, Michigan

Insurance Company Average Annual Rates
Allstate $24,444
Farmers $4,513
GEICO $5,313
Liberty Mutual $17,919
Nationwide $6,507
Progressive $4,971
State Farm $10,315
Travelers $7,971
USAA $3,219

What affects auto insurance rates in Oden, Michigan?

There are a lot of reasons why auto insurance rates in Oden, Michigan are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Oden, Michigan. Many local factors may affect your Oden auto insurance rates.

Oden Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Oden, Michigan commute length is 20.2 minutes according to City-Data.

Oden Traffic

How does Oden, Michigan rank for traffic? According to Inrix Oden, Michigan is the 223rd most congested worldwide.

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Compare Oden, Michigan Auto Insurance Quotes

Before you buy Oden, Michigan auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Oden, Michigan auto insurance quotes.

Free Auto Insurance Comparison

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

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