Best Cheap Auto Insurance in Osseo, MI (2021)

The average Osseo, MI auto insurance rates are $729 per month. The minimum auto insurance in Osseo is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Osseo, Michigan, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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.

Things to Remember

  • The minimum auto insurance required in Osseo, Michigan is 20/40/10
  • Average auto insurance rates in Osseo, MI for senior drivers are $5,851 per year
  • The most expensive auto insurance company in Osseo for teen drivers is Allstate

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

Compare auto insurance in Osseo to other Michigan cities, including Detroit auto insurance rates, Grand Rapids auto insurance rates, and Troy auto insurance rates to see how Osseo, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Osseo, Michigan

Osseo, 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 Osseo, Michigan.

Minimum Required Auto Insurance Coverage in Osseo, 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Osseo, Michigan Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Osseo, 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 Osseo, 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 $15,951 $15,951 $14,843 $14,843 $39,155 $39,155 $16,797 $16,797
Farmers $3,690 $3,690 $3,447 $3,447 $8,144 $8,144 $4,138 $4,138
GEICO $3,631 $3,631 $3,699 $3,699 $10,136 $10,136 $3,469 $3,469
Liberty Mutual $13,638 $13,638 $13,501 $13,501 $32,257 $32,257 $13,638 $13,638
Nationwide $3,260 $3,260 $2,925 $2,925 $7,677 $7,677 $3,523 $3,523
Progressive $2,645 $2,464 $2,344 $2,609 $9,408 $9,997 $3,066 $2,835
State Farm $6,187 $6,187 $5,686 $5,686 $20,914 $20,914 $7,238 $7,238
Travelers $4,480 $4,480 $3,858 $3,858 $13,395 $13,395 $4,862 $4,862
USAA $2,424 $2,301 $2,279 $2,158 $5,807 $5,521 $2,946 $2,832

Cheap Osseo, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Osseo, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $39,155 $39,155
Farmers $8,144 $8,144
GEICO $10,136 $10,136
Liberty Mutual $32,257 $32,257
Nationwide $7,677 $7,677
Progressive $9,408 $9,997
State Farm $20,914 $20,914
Travelers $13,395 $13,395
USAA $5,807 $5,521

Cheap Osseo, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Osseo, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $14,843 $14,843
Farmers $3,447 $3,447
GEICO $3,699 $3,699
Liberty Mutual $13,501 $13,501
Nationwide $2,925 $2,925
Progressive $2,344 $2,609
State Farm $5,686 $5,686
Travelers $3,858 $3,858
USAA $2,279 $2,158

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

Annual Osseo, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,549 $14,133 $47,302 $14,763
Farmers $4,089 $5,195 $5,131 $5,005
GEICO $1,858 $3,906 $11,758 $3,413
Liberty Mutual $12,830 $15,436 $28,384 $16,383
Nationwide $3,733 $4,929 $4,525 $4,198
Progressive $3,757 $4,911 $4,432 $4,584
State Farm $6,527 $7,737 $16,209 $9,552
Travelers $4,510 $6,426 $10,331 $5,327
USAA $2,649 $3,292 $4,309 $2,884

Cheap Osseo, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Osseo, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $47,302
Farmers $5,131
GEICO $11,758
Liberty Mutual $28,384
Nationwide $4,525
Progressive $4,432
State Farm $16,209
Travelers $10,331
USAA $4,309

Cheap Osseo, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Osseo, Michigan

Insurance Company Poor Fair Good
Allstate $32,938 $18,226 $13,896
Farmers $6,405 $4,241 $3,917
GEICO $6,724 $4,948 $4,029
Liberty Mutual $28,872 $16,683 $9,220
Nationwide $5,460 $4,088 $3,491
Progressive $5,100 $4,293 $3,870
State Farm $16,210 $8,218 $5,591
Travelers $6,813 $6,608 $6,525
USAA $4,902 $2,806 $2,143

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Osseo, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Osseo, Michigan

ZIP Code Average Annual Rates
49266 $6,093

Cheap Osseo, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Osseo, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $21,687 $21,687
Farmers $4,855 $4,855
GEICO $5,114 $5,354
Liberty Mutual $17,626 $18,891
Nationwide $4,346 $4,346
Progressive $4,421 $4,421
State Farm $9,741 $10,271
Travelers $6,611 $6,686
USAA $3,246 $3,321

Cheap Osseo, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Osseo, Michigan

Insurance Company Low Medium High
Allstate $21,034 $21,744 $22,282
Farmers $4,733 $4,845 $4,987
GEICO $4,855 $5,184 $5,664
Liberty Mutual $17,781 $18,212 $18,782
Nationwide $4,566 $4,270 $4,203
Progressive $4,269 $4,428 $4,566
State Farm $9,548 $10,063 $10,408
Travelers $6,575 $6,656 $6,715
USAA $3,191 $3,291 $3,369

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Osseo, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Osseo, Michigan

Insurance Company Average Annual Rates
Allstate $21,687
Farmers $4,855
GEICO $5,234
Liberty Mutual $18,258
Nationwide $4,346
Progressive $4,421
State Farm $10,006
Travelers $6,649
USAA $3,284

What affects auto insurance rates in Osseo, Michigan?

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

Osseo Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Osseo, Michigan auto theft statistics, there have been 2 auto thefts in the city.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Osseo, Michigan Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption