Mike Otto - State Farm Agent in Charlotte, MI
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Mike Otto
Main Office
Street Address:

114 W Harris Street

Charlotte, MI 48813-2311

Mailing Address:

114 W Harris St

Charlotte, MI 48813-2311

MapDirections

Phone: (517) 543-2850

Fax: (517) 543-8474

Office Hours:

T,TH,F 9A.M. TO 5 P.M.

M, W 9 A.M. TO 6 P.M.

About Me
Our Team
Our Mission

My background and achievements

  • Olivet College, Olivet, MI B.A
  • Western Michigan University M.A.
  • 27 Year State Farm Agent

Meet the team

  • Zach Laguire - Office Representative
Our mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams.
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Insurance ProductsAccess your account
  • Life
  • Home
  • Auto
  • Renters
  • Long Term Care
  • Motorcycle
Let's get your family protected. Contact us today and we'll help you compare options.
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Life insurance basics

Check out this helpful life insurance info on statefarm.com.

Term or Permanent: which is best for you?
How much life insurance do I need?
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It's a big investment, so let's make sure you've got enough coverage at the right rate.
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Home insurance basics

Check out this helpful homeowners' info on statefarm.com.

Buying a home
Understanding the value of your home
Interested in condo insurance
Should you be paying less for auto insurance? Start your free quote and we'll help you save.
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Auto insurance basics

Check out these helpful auto insurance tips on statefarm.com.

How much car insurance do I need?
What affects the price of car insurance?
What discounts are available?
Protecting your personal property can be more affordable than you think. Start your free quote and we'll help you save.
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Renters insurance basics

Check out these helpful renters insurance tips on statefarm.com.

How much renters insurance do I need?
What affects the price of renters insurance?
Getting out on your own.
Health insurance is important in the event that you or any member of your family is ever sick or injured. State Farm® offers various types of health insurance, including Long Term Care when you are unable to care for yourself.
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Whether you're out for a spin or touring cross-country on your bike, let State Farm® provide you with the protection you need.
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Financial ProductsAccess your account
  • State Farm Bank®
  • Annuities
Yes, we do banking, too! Isn't it nice to have everything in one place you can trust? We can help you with:
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Banking basics

Check out these helpful banking tips on statefarm.com.

Financial Calculators
Check out our Bank Rates
Check your Credit
Our annuities products help you successfully manage both stages of your retirement—before and after.
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Annuities basics

Learn about these annuities products on statefarm.com.

Future Income
Guaranteed Income
Future Income Plus

State Farm Videos
Did You Know?
State Farm is there for life.

State Farm Insurance® began selling life insurance more than 75 years ago in April 1929. Today, State Farm® has over 7 million life insurance and annuity policies in force.

Safer Cars, Lower Rates. Car Shopping Soon?

Some insurers increase premiums for cars that have higher rates of damage or occupant injury. And cars that do better in safety tests? They're more likely to get you lower rates.

Could you afford long-term care expenses?

Home health aides average $18.50/hour1, and nursing home costs average $203/day2. How long could you pay for these expenses before spending all of your savings?
1 National Statistic: Genworth Cost of Care Survey, conducted by CareScout®, April 2009.
2 National Statistic: Based on rates for a private nursing home room. Genworth Cost of Care Survey, conducted by CareScout®, April 2009.

Helpful Info


  • State Farm Bank®, Bloomington, Illinois, Member FDIC and Equal Housing Lender. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and subject to investment risk, including possible loss of principal invested. Contact State Farm Bank toll-free at 1-877-SF4-BANK (1-877-734-2265).
  • Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.
  • Before investing, consider the funds' investment objectives, risks, charges and expenses. Contact State Farm VP Management Corp., (1-800-447-4930) for a prospectus or summary prospectus containing this and other information. Read it carefully. AP 2012/01/0006
  • State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.
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