Best Cheap Auto Insurance in Otisco, IN (2021)

The average Otisco, IN auto insurance rates are $301 per month. The minimum auto insurance in Otisco is at least 25/50/25 in coverage to comply with Indiana auto insurance laws. To find the best cheap auto insurance in Otisco, Indiana, 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: Jul 18, 2021

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Things to Remember

  • The most expensive auto insurance company in Otisco for teen drivers is Progressive
  • The cheapest auto insurance company in Otisco is USAA
  • Average auto insurance rates in Otisco, IN for senior drivers are $1,870 per year

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

Compare auto insurance in Otisco to other Indiana cities, including Indianapolis auto insurance rates, Fort Wayne auto insurance rates, and Fishers auto insurance rates to see how Otisco, Indiana auto insurance rates stack up.

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

Minimum Auto Insurance in Otisco, Indiana

Otisco, 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 Otisco, Indiana.

Minimum Required Auto Insurance Coverage in Otisco, 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 Otisco, Indiana Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Otisco, 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 Otisco, 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 $2,639 $2,706 $2,313 $2,534 $8,109 $10,240 $2,689 $2,920
American Family $2,473 $2,473 $2,219 $2,219 $6,768 $9,826 $2,473 $3,050
Farmers $1,624 $1,599 $1,390 $1,567 $8,953 $9,585 $2,151 $2,314
GEICO $1,673 $1,657 $1,547 $1,591 $4,871 $4,549 $1,912 $1,701
Liberty Mutual $4,048 $4,048 $3,718 $3,718 $8,901 $13,457 $4,048 $5,562
Nationwide $2,022 $2,067 $1,766 $1,887 $6,062 $7,878 $2,388 $2,615
Progressive $1,910 $1,809 $1,733 $1,741 $11,362 $12,819 $2,402 $2,450
State Farm $1,542 $1,542 $1,383 $1,383 $4,775 $6,119 $1,713 $1,899
Travelers $1,293 $1,315 $1,213 $1,213 $8,091 $12,809 $1,369 $1,581
USAA $1,206 $1,189 $1,129 $1,137 $3,378 $3,760 $1,636 $1,747

Cheap Otisco, Indiana Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Otisco, Indiana

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,109 $10,240
American Family $6,768 $9,826
Farmers $8,953 $9,585
GEICO $4,871 $4,549
Liberty Mutual $8,901 $13,457
Nationwide $6,062 $7,878
Progressive $11,362 $12,819
State Farm $4,775 $6,119
Travelers $8,091 $12,809
USAA $3,378 $3,760

Cheap Otisco, Indiana Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Otisco, Indiana

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,313 $2,534
American Family $2,219 $2,219
Farmers $1,390 $1,567
GEICO $1,547 $1,591
Liberty Mutual $3,718 $3,718
Nationwide $1,766 $1,887
Progressive $1,733 $1,741
State Farm $1,383 $1,383
Travelers $1,213 $1,213
USAA $1,129 $1,137

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

Annual Otisco, Indiana Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,406 $5,009 $4,612 $4,048
American Family $2,714 $4,320 $5,483 $3,234
Farmers $3,272 $3,792 $3,921 $3,607
GEICO $1,607 $2,518 $3,385 $2,240
Liberty Mutual $4,653 $5,470 $8,508 $5,119
Nationwide $2,862 $3,702 $3,548 $3,229
Progressive $3,367 $5,997 $4,028 $4,721
State Farm $2,482 $2,730 $2,482 $2,482
Travelers $3,067 $3,790 $4,295 $3,290
USAA $1,431 $2,046 $2,339 $1,775

Cheap Otisco, Indiana Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Otisco, Indiana

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,612
American Family $5,483
Farmers $3,921
GEICO $3,385
Liberty Mutual $8,508
Nationwide $3,548
Progressive $4,028
State Farm $2,482
Travelers $4,295
USAA $2,339

Cheap Otisco, Indiana Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Otisco, Indiana

Insurance Company Poor Fair Good
Allstate $5,303 $3,932 $3,572
American Family $5,388 $3,498 $2,927
Farmers $4,251 $3,472 $3,221
GEICO $2,934 $2,438 $1,941
Liberty Mutual $7,907 $5,146 $4,759
Nationwide $3,804 $3,206 $2,998
Progressive $4,989 $4,423 $4,173
State Farm $3,708 $2,211 $1,714
Travelers $4,020 $3,407 $3,405
USAA $2,540 $1,695 $1,458

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Cheap Otisco, Indiana Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Otisco, Indiana

ZIP Code Average Annual Rates
47163 $3,529

Cheap Otisco, Indiana Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Otisco, Indiana

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,269 $4,269
American Family $3,890 $3,985
Farmers $3,648 $3,648
GEICO $2,392 $2,483
Liberty Mutual $5,779 $6,096
Nationwide $3,336 $3,336
Progressive $4,528 $4,528
State Farm $2,471 $2,617
Travelers $3,610 $3,610
USAA $1,873 $1,923

Cheap Otisco, Indiana Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Otisco, Indiana

Insurance Company Low Medium High
Allstate $4,054 $4,253 $4,499
American Family $3,904 $4,068 $3,841
Farmers $3,497 $3,641 $3,807
GEICO $2,295 $2,432 $2,587
Liberty Mutual $5,768 $5,924 $6,121
Nationwide $3,380 $3,311 $3,316
Progressive $4,223 $4,442 $4,920
State Farm $2,410 $2,544 $2,679
Travelers $3,534 $3,644 $3,653
USAA $1,813 $1,892 $1,988

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Best By Category: Cheapest Auto Insurance in Otisco, Indiana

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

Best Annual Auto Insurance Rates by Company in Otisco, 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 Otisco, Indiana Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Otisco, Indiana

Insurance Company Average Annual Rates
Allstate $4,269
American Family $3,938
Farmers $3,648
GEICO $2,438
Liberty Mutual $5,937
Nationwide $3,336
Progressive $4,528
State Farm $2,544
Travelers $3,610
USAA $1,898

Compare Otisco, Indiana Auto Insurance Quotes

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