Okemos Auto Insurance Rates, Quotes, Agents & Reviews in MI

Okemos, MI Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Okemos, MI, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors Influencing Cost of Car Insurance in Okemos, MI

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. 

Neighborhood:

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.

factors_influencing_cost_of_car_insurance_in_okemos_mi

Deductibles:

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.

Factors that can influence the cost of car insurance in Okemos, MI are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Okemos, MI Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Okemos, MI with that of other cities in and around Okemos.

Okemos Meridian charter Williamstown Haslett Wheatfield Williamston
Average Insurance Rates $2,902 $2,866 $2,939 $2,828 $2,944 $2,769

Okemos, MI Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Okemos, MI based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Okemos $1,610 $1,360
Meridian charter $1,505 $1,271
Haslett $1,033 $873
East Lansing $1,114 $941
Alaiedon $2,961 $2,501
Williamstown $1,176 $994
Williamston $2,852 $2,409
Wheatfield $1,539 $1,300

Okemos, MI Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Okemos, MI usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $9,417
20 Years $3,729
30 Years $2,872
40 Years $2,763
50 Years $2,559
60 Years $2,595
70 Years $3,020

Okemos, MI Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Okemos, MI can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $4,933 $871
3 Vehicles $7,400 $1,306
4 Vehicles $9,867 $1,741

Savings on 2 Vehicles bundle:$871

Savings on 3 Vehicles bundle:$1,306

Savings on 4 Vehicles bundle:$1,741


Okemos, MI Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Okemos, MI.

Location Average Insurance Cost Post DUI Insurance Rate
Okemos $2,902 $7,229
Meridian charter $2,866 $7,140
Haslett $2,828 $7,045
East Lansing $1,665 $4,148
Alaiedon $2,875 $7,162
Williamstown $2,939 $7,322
Williamston $2,769 $6,898
Wheatfield $2,944 $7,334

Okemos, MI Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $2,490
Excellent (740-799) $2,842
Good (670-739) $3,024
Average (580-669) $3,945
Poor (300-579) $4,733

Okemos, MI Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Chris Sarkella Allstate 57102 10 Mile Rd, South Lyon, 48178 (248) 667-9399
Adam Khalil Allstate 3676 S State St, Ann Arbor, 48108 (734) 996-7030
Matt Fahoome State Farm 2221 Jackson Ave, Ann Arbor, 48103-3919 734-761-2666
Hodson Insurance Center None 1032 North Capital Avenue , Lansing, 48906 None
Dana Rowry State Farm 2512 Carpenter Rd Ste 101A, Ann Arbor, 48108-1193 734-973-7270
Bradley Trombley Allstate 1545 N Wixom Rd, Wixom, 48393 (248) 669-0755
Miles Tharp Allstate 2750 Carpenter Rd Ste 2, Ann Arbor, 48108 (734) 973-0600
Miles Tharp Allstate 100 N Pond Dr Ste D, Walled Lake, 48390 (248) 669-5650
Craig Huffman Clu Farmers 28345 Beck Rd Ste 104, Wixom, 48393 (248) 449-1960
Rex Plasters State Farm 4027- A Carpenter Road, Ypsilanti, 48197-9644 734-971-0127
Fishman Agency Inc Liberty Mutual Independent 3060 S COMMERCE RD, COMMERCE TOWNSHIP, 48390 (248) 926-1300
Jennie C Flowers State Farm 8322 Cooley Lake Rd, Commerce Twp, 48382-4713 248-363-4747

Okemos, MI Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$128 $3,030
Driver's Failure In Showing Documents +$281 $3,183
Driving With An Expired Registration +$299 $3,201
Driving At A Considerably Slow Pace +$630 $3,532
Using A Cellphone While Driving +$665 $3,567
Running A Red Light +$676 $3,578
Speeding +$711 $3,613
Driving A Vehicle Without The Required Permission +$903 $3,805
Driving With An Expired/Suspended License +$1,956 $4,858

Okemos, MI Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $2,786
Active Disabling Device $2,786
Tracking Device $2,728
Passive Disabling Device $2,699

Latest Auto Insurance Reviews in Okemos, MI | Back to Top

Fremont Insurance
customer services in Allied are nicely and friendly. They do answer the phone quickly and help customers with the best services. I would give them 4 for rating regarding my sanctification with their provided services.
Fremont Insurance
customer services in Allied are nicely and friendly. They do answer the phone quickly and help customers with the best services. I would give them 4 for rating regarding my sanctification with their provided services.
Progressive
I like that I am able to do all things related to my policy online. If I have a problem I can chat online with one of their representatives. They are always professional and polite.
Farmer's Insurance
Low deductible with excellent coverage and customer service