Factors Influencing Cost of Car Insurance in Okemos, MI

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Michigan is the second-most expensive state for car insurance rates in the US. The auto insurance costs are high in  Michigan because of no-fault laws and required unlimited personal injury protection. The average cost of car insurance in Okemos, MI is $2,902. Zimlon’s research identified some factors that significantly influence the cost of car insurance in Okemos, MI. 


The neighborhood one lives in Okemos, MI influences the cost of car insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. Depending on several factors like the vehicle’s make and model and the rate of auto thefts in the neighborhood, the price can vary. Below is the average cost of car insurance in Michigan by location.



This is one of the most common factors influencing the cost of auto insurance in  Okemos, MI. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance in Okemos, MI on a deductible of $500 is $1,610, and it decreases to $1,360 when the deductible is $1,000.

Age of the Driver: 

According to Zimlon’s analysis, middle-aged drivers in Okemos, MI pay much less car insurance than teenagers. The average cost of car insurance for teenagers in Okemos, MI is $9,417 whereas, drivers between the age of 30 to 60 years pay less than $3000. This difference is because young drivers are generally considered to be less responsible behind the wheel by insurance companies. Therefore, middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Multi-Car Insurance: 

Car owners in Okemos, MI can obtain discounts if they insure multiple vehicles with the same insurer. Most of the insurers in Okemos, MI, offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can also opt to insure their life, auto, and home insurance with the same insurer to get added benefits.

The average auto insurance cost of insuring two cars in Okemos, MI is $4,933 which helps owners to save $871. Insuring 3 or 4 cars together can further help to save $1,306 and $1,741 respectively. 

Driving Violations: 

Driving Violations is another crucial factor that influences the cost of car insurance in Okemos, MI. Violations such as driving with an expired license or speeding can have a severe influence on auto insurance costs in Okemos, MI mainly because it increases the amount of risk being covered by insurers. 

If car owners in Okemos, MI drive without headlights it can increase the insurance cost by $128.  Driving at a considerably slow or using a cellphone while driving can increase the insurance cost by more than $650. More severe violations like driving with an expired or suspended license can increase the auto insurance cost by  $1,956 in Okemos, MI.