Best Cheap Auto Insurance in Omena, MI (2021)

The average Omena, MI auto insurance rates are $807 per month. The minimum auto insurance in Omena is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Omena, Michigan, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 average commute length in Omena is 29.0 minutes
  • The minimum auto insurance required in Omena, Michigan is 20/40/10
  • The cheapest auto insurance company in Omena is USAA

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

Compare auto insurance in Omena to other Michigan cities, including Detroit auto insurance rates, Dearborn auto insurance rates, and Warren auto insurance rates to see how Omena, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Omena, Michigan

Omena, 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 Omena, Michigan.

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

Auto insurance rates in Omena, 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 Omena, 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 $18,178 $18,178 $17,007 $17,007 $43,020 $43,020 $19,109 $19,109
Farmers $4,256 $4,256 $3,969 $3,969 $9,558 $9,558 $4,791 $4,791
GEICO $3,644 $3,644 $3,722 $3,722 $10,424 $10,424 $3,488 $3,488
Liberty Mutual $12,825 $12,825 $12,695 $12,695 $30,474 $30,474 $12,825 $12,825
Nationwide $4,399 $4,399 $3,927 $3,927 $10,998 $10,998 $4,790 $4,790
Progressive $3,515 $3,246 $3,097 $3,482 $12,968 $13,768 $4,095 $3,747
State Farm $6,757 $6,757 $6,240 $6,240 $23,371 $23,371 $7,926 $7,926
Travelers $5,348 $5,348 $4,589 $4,589 $16,137 $16,137 $5,811 $5,811
USAA $2,613 $2,477 $2,456 $2,320 $6,401 $6,090 $3,188 $3,062

Cheap Omena, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Omena, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $43,020 $43,020
Farmers $9,558 $9,558
GEICO $10,424 $10,424
Liberty Mutual $30,474 $30,474
Nationwide $10,998 $10,998
Progressive $12,968 $13,768
State Farm $23,371 $23,371
Travelers $16,137 $16,137
USAA $6,401 $6,090

Cheap Omena, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Omena, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $17,007 $17,007
Farmers $3,969 $3,969
GEICO $3,722 $3,722
Liberty Mutual $12,695 $12,695
Nationwide $3,927 $3,927
Progressive $3,097 $3,482
State Farm $6,240 $6,240
Travelers $4,589 $4,589
USAA $2,456 $2,320

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

Annual Omena, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $11,781 $15,856 $53,166 $16,511
Farmers $4,738 $6,043 $5,963 $5,830
GEICO $1,867 $3,965 $11,988 $3,459
Liberty Mutual $12,177 $14,582 $26,565 $15,494
Nationwide $5,143 $6,895 $6,270 $5,806
Progressive $5,056 $6,687 $5,998 $6,218
State Farm $7,106 $8,486 $18,146 $10,556
Travelers $5,408 $7,706 $12,382 $6,390
USAA $2,877 $3,588 $4,701 $3,136

Cheap Omena, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Omena, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $53,166
Farmers $5,963
GEICO $11,988
Liberty Mutual $26,565
Nationwide $6,270
Progressive $5,998
State Farm $18,146
Travelers $12,382
USAA $4,701

Cheap Omena, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Omena, Michigan

Insurance Company Poor Fair Good
Allstate $37,251 $20,462 $15,271
Farmers $7,432 $4,938 $4,561
GEICO $6,835 $5,029 $4,095
Liberty Mutual $27,202 $15,721 $8,691
Nationwide $7,610 $5,670 $4,805
Progressive $6,928 $5,817 $5,225
State Farm $17,955 $9,090 $6,176
Travelers $8,169 $7,922 $7,822
USAA $5,352 $3,051 $2,324

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Cheap Omena, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Omena, Michigan

ZIP Code Average Annual Rates
49674 $6,827

Cheap Omena, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Omena, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $24,328 $24,328
Farmers $5,644 $5,644
GEICO $5,199 $5,440
Liberty Mutual $16,605 $17,805
Nationwide $6,028 $6,028
Progressive $5,990 $5,990
State Farm $10,780 $11,367
Travelers $7,926 $8,017
USAA $3,535 $3,616

Cheap Omena, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Omena, Michigan

Insurance Company Low Medium High
Allstate $23,774 $24,378 $24,834
Farmers $5,519 $5,633 $5,779
GEICO $4,965 $5,272 $5,722
Liberty Mutual $16,782 $17,164 $17,669
Nationwide $6,359 $5,915 $5,811
Progressive $5,810 $5,996 $6,163
State Farm $10,552 $11,138 $11,530
Travelers $7,889 $7,978 $8,047
USAA $3,475 $3,584 $3,668

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Best By Category: Cheapest Auto Insurance in Omena, Michigan

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

Best Annual Auto Insurance Rates by Company in Omena, 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 Omena, Michigan Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Omena, Michigan

Insurance Company Average Annual Rates
Allstate $24,328
Farmers $5,644
GEICO $5,320
Liberty Mutual $17,205
Nationwide $6,028
Progressive $5,990
State Farm $11,073
Travelers $7,971
USAA $3,576

What affects auto insurance rates in Omena, Michigan?

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

Omena Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Omena, Michigan commute length is 29.0 minutes according to City-Data.

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Compare Omena, Michigan Auto Insurance Quotes

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