Best Cheap Auto Insurance in Osgood, IN (2021)

The average Osgood, IN auto insurance rates are $273 per month. The minimum auto insurance in Osgood is at least 25/50/25 in coverage to comply with Indiana auto insurance laws. To find the best cheap auto insurance in Osgood, Indiana, 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 Osgood is 25.6 minutes
  • The minimum auto insurance required in Osgood, Indiana is 25/50/25
  • The cheapest auto insurance company in Osgood is USAA

Osgood, Indiana auto insurance requirements are 25/50/25 according to Indiana auto insurance laws. Finding cheap auto insurance in Osgood 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 Osgood, Indiana, including driving record, credit, commute time, and more.

Compare auto insurance in Osgood to other Indiana cities, including Gary auto insurance rates, Hammond auto insurance rates, and Carmel auto insurance rates to see how Osgood, Indiana auto insurance rates stack up.

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

Minimum Auto Insurance in Osgood, Indiana

Osgood, Indiana auto insurance laws require that you have at least the Indiana minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Osgood, Indiana.

Minimum Required Auto Insurance Coverage in Osgood, Indiana

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Osgood, Indiana Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Osgood, Indiana 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 Osgood, Indiana

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 $2,314 $2,374 $2,028 $2,216 $6,993 $8,783 $2,358 $2,568
American Family $2,277 $2,277 $2,048 $2,048 $6,259 $9,073 $2,277 $2,811
Farmers $1,580 $1,559 $1,351 $1,515 $8,500 $9,069 $2,082 $2,253
GEICO $1,673 $1,657 $1,547 $1,591 $4,871 $4,549 $1,912 $1,701
Liberty Mutual $3,831 $3,831 $3,522 $3,522 $8,383 $12,656 $3,831 $5,251
Nationwide $1,882 $1,928 $1,642 $1,761 $5,505 $7,186 $2,208 $2,424
Progressive $1,617 $1,537 $1,460 $1,471 $9,400 $10,591 $2,031 $2,084
State Farm $1,418 $1,418 $1,254 $1,254 $4,181 $5,367 $1,563 $1,740
Travelers $1,152 $1,172 $1,079 $1,078 $6,986 $10,994 $1,216 $1,414
USAA $1,012 $998 $938 $948 $2,786 $3,124 $1,369 $1,469

Cheap Osgood, Indiana Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Osgood, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,993 $8,783
American Family $6,259 $9,073
Farmers $8,500 $9,069
GEICO $4,871 $4,549
Liberty Mutual $8,383 $12,656
Nationwide $5,505 $7,186
Progressive $9,400 $10,591
State Farm $4,181 $5,367
Travelers $6,986 $10,994
USAA $2,786 $3,124

Cheap Osgood, Indiana Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Osgood, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,028 $2,216
American Family $2,048 $2,048
Farmers $1,351 $1,515
GEICO $1,547 $1,591
Liberty Mutual $3,522 $3,522
Nationwide $1,642 $1,761
Progressive $1,460 $1,471
State Farm $1,254 $1,254
Travelers $1,079 $1,078
USAA $938 $948

Cheap Osgood, Indiana 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 Osgood, Indiana compared to the annual auto insurance rates with a clean record in Osgood, Indiana.

Annual Osgood, Indiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,963 $4,332 $4,001 $3,522
American Family $2,504 $3,994 $5,054 $2,983
Farmers $3,123 $3,637 $3,746 $3,446
GEICO $1,607 $2,518 $3,385 $2,240
Liberty Mutual $4,366 $5,151 $8,085 $4,813
Nationwide $2,629 $3,407 $3,264 $2,969
Progressive $2,837 $4,936 $3,383 $3,939
State Farm $2,223 $2,429 $2,223 $2,223
Travelers $2,662 $3,294 $3,733 $2,856
USAA $1,196 $1,697 $1,948 $1,482

Cheap Osgood, Indiana Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Osgood, Indiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,001
American Family $5,054
Farmers $3,746
GEICO $3,385
Liberty Mutual $8,085
Nationwide $3,264
Progressive $3,383
State Farm $2,223
Travelers $3,733
USAA $1,948

Cheap Osgood, Indiana Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Osgood, Indiana

Insurance Company Poor Fair Good
Allstate $4,591 $3,418 $3,104
American Family $4,970 $3,229 $2,702
Farmers $4,069 $3,320 $3,077
GEICO $2,934 $2,438 $1,941
Liberty Mutual $7,462 $4,857 $4,492
Nationwide $3,495 $2,950 $2,757
Progressive $4,169 $3,683 $3,470
State Farm $3,314 $1,977 $1,533
Travelers $3,496 $2,958 $2,955
USAA $2,135 $1,405 $1,202

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Cheap Osgood, Indiana Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Osgood, Indiana

ZIP Code Average Annual Rates
47037 $3,179

Cheap Osgood, Indiana Auto Insurance Rates By Commute

Commute length and annual mileage affect Osgood, Indiana auto insurance. Find the cheapest annual Osgood, Indiana auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Osgood, Indiana

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,704 $3,704
American Family $3,590 $3,677
Farmers $3,488 $3,488
GEICO $2,392 $2,483
Liberty Mutual $5,455 $5,752
Nationwide $3,067 $3,067
Progressive $3,774 $3,774
State Farm $2,210 $2,339
Travelers $3,136 $3,136
USAA $1,560 $1,602

Cheap Osgood, Indiana Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Osgood, Indiana

Insurance Company Low Medium High
Allstate $3,548 $3,691 $3,874
American Family $3,603 $3,754 $3,544
Farmers $3,366 $3,483 $3,616
GEICO $2,295 $2,432 $2,587
Liberty Mutual $5,421 $5,589 $5,801
Nationwide $3,120 $3,043 $3,039
Progressive $3,588 $3,722 $4,012
State Farm $2,177 $2,273 $2,373
Travelers $3,079 $3,166 $3,164
USAA $1,528 $1,577 $1,636

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Best By Category: Cheapest Auto Insurance in Osgood, Indiana

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

Best Annual Auto Insurance Rates by Company in Osgood, Indiana

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

The Cheapest Osgood, Indiana Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Osgood, Indiana

Insurance Company Average Annual Rates
Allstate $3,704
American Family $3,634
Farmers $3,488
GEICO $2,438
Liberty Mutual $5,604
Nationwide $3,067
Progressive $3,774
State Farm $2,274
Travelers $3,136
USAA $1,581

What affects auto insurance rates in Osgood, Indiana?

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

Osgood Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Osgood, Indiana commute length is 25.6 minutes according to City-Data.

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Compare Osgood, Indiana Auto Insurance Quotes

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