Best Cheap Auto Insurance in Otisville, MI (2021)

The average Otisville, MI auto insurance rates are $888 per month. The minimum auto insurance in Otisville is at least 20/40/10 in coverage to comply with Michigan auto insurance laws. To find the best cheap auto insurance in Otisville, 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 average commute length in Otisville is 27.9 minutes
  • The cheapest auto insurance company in Otisville is USAA
  • Average auto insurance rates in Otisville, MI for senior drivers are $7,034 per year

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

Compare auto insurance in Otisville to other Michigan cities, including Livonia auto insurance rates, Dearborn auto insurance rates, and Sterling Heights auto insurance rates to see how Otisville, Michigan auto insurance rates stack up.

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

Minimum Auto Insurance in Otisville, Michigan

Otisville, 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 Otisville, Michigan.

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

Auto insurance rates in Otisville, 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 Otisville, 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 $16,573 $16,573 $15,390 $15,390 $41,332 $41,332 $17,463 $17,463
Farmers $5,175 $5,175 $4,842 $4,842 $11,081 $11,081 $5,799 $5,799
GEICO $4,887 $4,887 $4,987 $4,987 $13,110 $13,110 $4,656 $4,656
Liberty Mutual $15,121 $15,121 $14,973 $14,973 $35,325 $35,325 $15,121 $15,121
Nationwide $5,402 $5,402 $4,787 $4,787 $14,586 $14,586 $5,943 $5,943
Progressive $3,258 $3,006 $2,876 $3,234 $11,870 $12,565 $3,786 $3,452
State Farm $8,172 $8,172 $7,603 $7,603 $29,029 $29,029 $9,608 $9,608
Travelers $5,804 $5,804 $4,983 $4,983 $17,517 $17,517 $6,307 $6,307
USAA $2,939 $2,766 $2,766 $2,598 $7,279 $6,877 $3,581 $3,411

Cheap Otisville, Michigan Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Otisville, Michigan

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $41,332 $41,332
Farmers $11,081 $11,081
GEICO $13,110 $13,110
Liberty Mutual $35,325 $35,325
Nationwide $14,586 $14,586
Progressive $11,870 $12,565
State Farm $29,029 $29,029
Travelers $17,517 $17,517
USAA $7,279 $6,877

Cheap Otisville, Michigan Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Otisville, Michigan

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $15,390 $15,390
Farmers $4,842 $4,842
GEICO $4,987 $4,987
Liberty Mutual $14,973 $14,973
Nationwide $4,787 $4,787
Progressive $2,876 $3,234
State Farm $7,603 $7,603
Travelers $4,983 $4,983
USAA $2,766 $2,598

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

Annual Otisville, Michigan Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $10,998 $14,706 $49,618 $15,437
Farmers $5,662 $7,190 $7,117 $6,928
GEICO $2,423 $5,132 $15,603 $4,481
Liberty Mutual $13,873 $16,903 $31,873 $17,892
Nationwide $6,550 $8,796 $7,979 $7,394
Progressive $4,649 $6,142 $5,520 $5,713
State Farm $8,572 $10,322 $22,572 $12,947
Travelers $5,866 $8,365 $13,444 $6,936
USAA $3,231 $4,049 $5,305 $3,524

Cheap Otisville, Michigan Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Otisville, Michigan

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $49,618
Farmers $7,117
GEICO $15,603
Liberty Mutual $31,873
Nationwide $7,979
Progressive $5,520
State Farm $22,572
Travelers $13,444
USAA $5,305

Cheap Otisville, Michigan Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Otisville, Michigan

Insurance Company Poor Fair Good
Allstate $34,426 $19,061 $14,582
Farmers $9,023 $5,810 $5,339
GEICO $8,896 $6,529 $5,304
Liberty Mutual $31,853 $18,397 $10,156
Nationwide $9,656 $7,245 $6,138
Progressive $6,369 $5,347 $4,801
State Farm $22,084 $11,158 $7,567
Travelers $8,869 $8,599 $8,490
USAA $6,042 $3,437 $2,602

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Cheap Otisville, Michigan Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Otisville, Michigan

ZIP Code Average Annual Rates
48463 $7,521

Cheap Otisville, Michigan Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Otisville, Michigan

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $22,689 $22,689
Farmers $6,724 $6,724
GEICO $6,752 $7,068
Liberty Mutual $19,449 $20,822
Nationwide $7,680 $7,680
Progressive $5,506 $5,506
State Farm $13,234 $13,973
Travelers $8,603 $8,702
USAA $3,981 $4,074

Cheap Otisville, Michigan Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Otisville, Michigan

Insurance Company Low Medium High
Allstate $22,072 $22,745 $23,252
Farmers $6,538 $6,708 $6,926
GEICO $6,535 $6,858 $7,336
Liberty Mutual $19,599 $20,083 $20,724
Nationwide $8,032 $7,551 $7,456
Progressive $5,325 $5,513 $5,679
State Farm $12,902 $13,690 $14,218
Travelers $8,564 $8,661 $8,732
USAA $3,902 $4,038 $4,141

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Best By Category: Cheapest Auto Insurance in Otisville, Michigan

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

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

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

Average Annual Auto Insurance Rates by Company in Otisville, Michigan

Insurance Company Average Annual Rates
Allstate $22,689
Farmers $6,724
GEICO $6,910
Liberty Mutual $20,135
Nationwide $7,680
Progressive $5,506
State Farm $13,603
Travelers $8,653
USAA $4,027

What affects auto insurance rates in Otisville, Michigan?

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

Otisville Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Otisville, Michigan auto theft statistics, there have been 0 auto thefts in the city.

Otisville Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Otisville, Michigan commute length is 27.9 minutes according to City-Data.

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Compare Otisville, Michigan Auto Insurance Quotes

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