Cheapest Auto Insurance in Lansing, Michigan (2024)
Auto-Owners offers the cheapest car insurance in Lansing, with minimum-coverage policies as low as $53 per month.
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Written byErin Gobler
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Erin is a personal finance writer and journalist with work featured in major publications. Her writing explores investing, credit cards, mortgages, insurance, and more.
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Updated November 21, 2024
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Table of contents
Lansing drivers pay an average car insurance premium of $147 per month for liability insurance. Michigan has some of the highest insurance rates in the country due to the state’s no-fault insurance system and coverage requirements, but Lansing drivers pay less than the rest of the state.
The average monthly cost of liability car insurance in Michigan is $172, which exceeds the national average of $104 for liability coverage.
Before signing up for a policy, make sure to shop around with multiple companies to find the best rate. Here’s what to know about finding cheap car insurance in Lansing.
Quick Facts
The cheapest car insurance companies in Lansing include Auto-Owners, USAA, and Chubb.
The average cost of full-coverage insurance is $256 per month in Lansing, $299 in the state of Michigan, and $204 in the U.S.
Michigan insurance companies can’t consider your credit history when determining insurance premiums.
3 of the cheapest car insurance companies in Lansing
Lansing drivers have plenty of affordable and highly rated car insurance companies to choose from. As you review the companies operating in the area, remember that the best company for you will depend on your unique situation and needs.
As you start your search, keep the following three companies in mind. The quotes provided below reflect Michigan’s statewide average costs.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Chubb | 6.5 | $121 | $68 | Cheap rates |
| Auto-Owners | 8.5 | $111 | $62 | Customer service |
| USAA | 9.4 | $112 | $63 | Military members and veterans |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Chubb
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $58/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $103/mo |
3.6
A solid optionBased on 5 verified guest reviews and ratings
How drivers feel about Chubb
Drivers appreciate the professional customer service and quick claims handling but dislike the expensive rates and limited online portal.
AI-generated from the text of verified reviews collected by Insurify
Best For
High net worth drivers
Customer service
Classic car coverage
How drivers feel about Chubb
Drivers appreciate the professional customer service and quick claims handling but dislike the expensive rates and limited online portal.
AI-generated from the text of verified reviews collected by Insurify
Best For
High net worth drivers
Customer service
Classic car coverage
Reviews (4)
Cynthia
August 11, 2024
Verified Review
Excellent!
Absolutely great!
Alexander
June 18, 2024
Verified Review
I have submitted all the information about my two cars to you and I still don't have a quote. You sent me an email saying you have a quote for me, but when I enter the field, it keeps asking me for the same information about my cars. Your service has been disappointing. Perhaps, your team needs to reassess its efficiency.
I have submitted all the information about my two cars to you and I still don't have a quote. You sent me an email saying you have a quote for me, but when I enter the field, it keeps asking me for the same information about my cars. Your service has been disappointing. Perhaps, your team needs to reassess its efficiency.
Troy
October 6, 2021
Verified Review
Good
They are great to deal with, just expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.41A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Chubb may be a good option if you’re looking for an insurer with the cheapest rates for Lansing drivers. The company offers premium coverage options but at an affordable rate. It also boasts a below-average number of customer complaints on the National Association of Insurance Commissioners (NAIC) Customer Complaint Index.
Pros
Cheap monthly premiums
Premium coverage options
Few customer complaints
Cons
Quotes only available through an agent
No discounts listed on website
Tailored to serve luxury vehicles
Best insurer for customer service: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $95/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners offers some of the cheapest policies for Lansing drivers and has the added bonus of excellent customer service. The company has highly rated customer satisfaction scores and relatively few customer complaints compared to competitors. The company also offers many discounts, so you have plenty of ways to save even more.
Pros
High J.D. Power customer satisfaction scores
Many available discounts
Few customer complaints, based on NAIC data
Cons
Quotes only available through an agent
Below-average J.D. Power claims satisfaction ratings
Mediocre digital tools
Best insurer for military members and veterans: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $96/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA offers affordable auto insurance to military service members and veterans, along with their families. The company also has some of the lowest rates and best customer satisfaction in the market. It’s also a full-service financial institution, which allows customers to manage their accounts and insurance policies in one place.
Pros
High J.D. Power customer satisfaction scores
Affordable monthly premiums
Savings for good drivers via SafePilot program
Cons
Only available to current and former military members and families
No 24/7 customer support
Must become a member to join
How to get the cheapest car insurance in Lansing
Though Michigan generally has high insurance premiums, Lansing drivers are lucky enough to have some of the cheapest rates in the state. Even so, you can do some things to save even more.
The best way to save money on car insurance is by shopping around before signing up for a policy. Don’t just sign up for a policy with the first company you get a quote from. Get quotes from multiple insurers to see which will offer you the cheapest rates.
Other ways to save money include:
Drive safely
Your driving record is one of the most impactful factors when it comes to your car insurance rates. The cleaner your driving record, the lower your premiums.
Save with discounts
Many car insurance companies offer discounts for things like having certain vehicle safety features, paying your premium up front, and more.
Bundle your policies
If you have homeowners insurance or renters insurance, you can save by bundling your insurance products with the same company.
Update your policy
You can reduce your premiums by either raising your deductible or lowering your policy coverage limits.
Find Cheap Car Insurance in Lansing
Liability quotes in Lansing start at $53 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Lansing: Auto-Owners
You can generally get the lowest rates on car insurance by purchasing a liability-only policy. Liability insurance, which is required in nearly every state, protects other drivers on the road. If you cause an accident, your liability insurance will pay for other people’s injuries as well as damage to their property. Liability insurance also protects you, as it prevents you from having to pay for those damages out of your own pocket.
But liability insurance doesn’t pay for any damage to your vehicle or for any injuries you or your passengers may have suffered.
The average cost of liability-only coverage in Lansing is $147 per month. Here, you can see the average rates for liability-only coverage in Lansing.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $53 |
| USAA | $54 |
| Chubb | $58 |
| GEICO | $81 |
| Safeco | $91 |
| Progressive | $102 |
| Nationwide | $108 |
| State Farm | $110 |
| Direct Auto | $126 |
| Travelers | $127 |
| Bristol West | $154 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Lansing: Auto-Owners
Full-coverage insurance includes liability insurance, but it can also include collision insurance, comprehensive insurance, uninsured motorist coverage, and more.
While you may prefer to avoid the higher price tag that comes with full coverage, it’s probably a good idea for drivers who can ’t easily afford to replace their vehicle themselves. Many lenders also require you to purchase a full-coverage policy before approving you for a loan.
In Lansing, drivers carrying full coverage pay a monthly average of $256. The following table illustrates full-coverage quotes from top insurers in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $95 |
| USAA | $96 |
| Chubb | $103 |
| GEICO | $145 |
| Progressive | $151 |
| Safeco | $151 |
| Nationwide | $193 |
| State Farm | $197 |
| Travelers | $228 |
| Direct Auto | $255 |
| Bristol West | $281 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Lansing, Michigan
Drivers using Insurify have found quotes as cheap as $54/mo for liability only and $105/mo for full coverage in Lansing and other Michigan cities.
*Quotes generated for Insurify users in and around Lansing, Michigan within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lansing, Michigan within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Michigan
Car insurance is required for all vehicle owners in Michigan.[1] The state’s basic auto insurance policy has three main components:
Personal injury protection (PIP)
This coverage pays for your own medical expenses after an accident, regardless of who’s at fault. It also pays for lost wages and other costs associated with your injuries. You can choose from these personal injury protection coverage options:
Unlimited coverage
$500,000 per person per accident
$250,000 per person per accident
$250,000 per person per accident with exclusions (only available when drivers and family members have qualified health coverage)
$50,000 per person per accident (only available when drivers and family members are enrolled in Medicaid)
No coverage (only available to drivers enrolled in Medicare Parts A and B)
Property protection (PPI)
This coverage pays for damage to other property (other than non-parked vehicles) resulting from an accident you cause. You must have up to $1 million in coverage.
Residual liability insurance (bodily injury and property damage)
This coverage pays for injuries and damages to other people and their property if certain conditions are met. The default coverage is:
$250,000 per person of bodily injury
$500,000 per accident of bodily injury
$10,000 of property damage in another state
In addition to the coverages Michigan requires, some additional coverages can be helpful to have. These coverages can help further protect you from financial losses after an accident or incident. Optional coverages include:
Limited property damage liability coverage
Towing and rental coverage
Michigan’s no-fault insurance law
Michigan has a no-fault insurance law, which means that, after an accident, each driver’s insurance policy pays for its own client, regardless of who caused the accident.
In most cases, the law prevents drivers from suing each other after accidents. But in some situations, an injured party can sue the at-fault driver in an accident:
Someone was killed, seriously injured, or permanently disfigured as a result of the accident
One of the drivers is a non-resident in a vehicle not registered in Michigan
The accident took place in another state
One driver is more than 50% at fault in the accident where the other driver’s car sustains damages not covered by insurance
In the situations described above, your residual liability insurance coverages would kick in, up to your coverage limits.
Cheapest car insurance for drivers with an incident
If you have any incidents on your driving record, you could pay more for car insurance. Incidents that could increase your insurance rates include speeding tickets, at-fault accidents, driving under the influence, and other moving violations.
The amount your rate will increase depends on a few key factors, including the severity of the incident and what else is on your driving record. A more serious violation or a violation for someone who already has a spotty driving record could mean a bigger rate hike.
The average cost of car insurance for Lansing drivers with a past incident is $175 per month for liability insurance and $305 for full-coverage insurance.
In the sections that follow, you’ll see how specific incidents can affect your rates.
Find Cheap Car Insurance in Lansing
Liability quotes start as low as $63 with a traffic incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Your insurance premiums will probably increase after a speeding ticket. Generally speaking, the faster you were driving, the more your rate will increase.
Your rate increase will also depend on your insurance company. For example, Progressive says its customers pay about 15% more after their first ticket in three years, while Liberty Mutual states premiums go up an average of 25% after a ticket.[2] [3]
In Lansing, drivers with a speeding ticket pay an average monthly rate of $173 for liability-only coverage.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $53 | $64 |
| USAA | $54 | $64 |
| Chubb | $58 | $70 |
| GEICO | $81 | $96 |
| Safeco | $91 | $110 |
| Progressive | $102 | $120 |
| Nationwide | $108 | $130 |
| State Farm | $110 | $129 |
| Direct Auto | $126 | $150 |
| Travelers | $127 | $152 |
| Bristol West | $154 | $184 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
You can almost certainly expect your insurance premiums to go up if you’re involved in an at-fault accident. Not only did the accident possibly cost your insurance company money, but it also indicates to your insurer that you’re potentially a higher-risk driver.
Of course, it’s not only when you’re at fault for an accident that your rates can increase. You could even see your premiums go up if you didn’t cause the accident. This may be especially true in Michigan, given the state’s no-fault insurance law.
On average, Lansing drivers with an at-fault accident on their motor vehicle records pay $187 per month for liability coverage. The following table illustrates quotes from top insurers for Lansing drivers after an at-fault accident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $53 | $68 |
| USAA | $54 | $69 |
| Chubb | $58 | $74 |
| GEICO | $81 | $103 |
| Safeco | $91 | $115 |
| Progressive | $102 | $131 |
| Nationwide | $108 | $139 |
| State Farm | $110 | $139 |
| Direct Auto | $126 | $164 |
| Travelers | $127 | $163 |
| Bristol West | $154 | $195 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
How Long Does an Accident Affect Your Car Insurance Rates?
Cheapest car insurance for drivers with a DUI: Auto-Owners
Driving under the influence is one of the most serious moving violations. If you get a DUI in Michigan, you can have your license suspended for up to 180 days.[4] Once you’re able to drive again, you’ll see your insurance premiums increase and some insurers may even deny you coverage altogether.
While the rate increase after a DUI will vary depending on the driver, many people see their rates roughly double. Lansing drivers with a DUI pay a monthly average of $216 for liability insurance.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $53 | $83 |
| USAA | $54 | $84 |
| Chubb | $58 | $90 |
| GEICO | $81 | $126 |
| Safeco | $91 | $131 |
| Progressive | $102 | $159 |
| Nationwide | $108 | $168 |
| State Farm | $110 | $171 |
| Direct Auto | $126 | $196 |
| Travelers | $127 | $198 |
| Bristol West | $154 | $240 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
While insurance rates tend to decrease with age, that trend often reverses once a driver reaches their 70s. Though older drivers tend to drive fewer miles and in fewer high-risk situations (such as night driving), their risk of an accident and their likelihood of filing a claim still increases. As a result, their insurance premiums may increase as well.
Senior drivers in Lansing pay $226 per month for full coverage and $130 for liability-only policies, on average. The following table provides examples of top insurers’ rates for seniors in Lansing.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $43 | $78 |
| Chubb | $44 | $78 |
| USAA | $45 | $79 |
| GEICO | $67 | $120 |
| Progressive | $77 | $113 |
| Safeco | $80 | $133 |
| Nationwide | $84 | $150 |
| State Farm | $89 | $159 |
| Direct Auto | $102 | $206 |
| Travelers | $103 | $185 |
| Bristol West | $128 | $233 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Statistically, teens are the highest-risk drivers on the road. They have less experience and are more likely to be killed in an accident than any other age demographic. They’re also more likely than other drivers to engage in risky behaviors like night driving, distracted driving, speeding, and more. As a result, teens pay the highest insurance premiums.
Lansing teen drivers pay an average of $204 per month for liability-only insurance and $355 for full coverage.
If you’re the teen or the parent of a teen, you can do some things to save some money on insurance. Consider taking advantage of one of the many teen and student discounts offered by insurance companies. You can also save by maintaining a clean driving record, driving a safe vehicle, and keeping the teen on their parents’ insurance as long as possible.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $81 | $145 |
| USAA | $82 | $146 |
| Chubb | $102 | $181 |
| GEICO | $117 | $209 |
| Safeco | $161 | $267 |
| Progressive | $163 | $241 |
| Nationwide | $172 | $307 |
| State Farm | $172 | $308 |
| Travelers | $210 | $377 |
| Direct Auto | $211 | $426 |
| Bristol West | $235 | $429 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Auto Coverage in Lansing, MI
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Is car insurance more expensive in Lansing?
Michigan drivers have historically paid some of the highest insurance premiums in the country due to the state’s no-fault insurance system and high minimum coverage requirements. For example, 2020 data from the National Association of Insurance Commissioners (NAIC) shows Michigan as having the third-highest average premiums in the country and rates well above the national average.[5]
Lansing insurance rates also exceed the national average. The average cost of liability coverage is $147 per month in Lansing, $172 in Michigan, and $104 nationwide. Full-coverage insurance costs an average of $256 per month in Lansing, $299 statewide, and $104 nationwide.
More cities in Michigan
Lansing has more affordable insurance premiums than some other major cities in the state, like Flint and Detroit. Compare the average car insurance quotes for different Michigan cities below.
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Ann Arbor | $148 | $273 |
| Flint | $178 | $320 |
| Dearborn | $312 | $466 |
| Detroit | $337 | $393 |
| Grand Rapids | $146 | $274 |
| Kalamazoo | $160 | $298 |
| Rochester | $169 | $301 |
| Warren | $216 | $333 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Lansing car insurance FAQs
Before buying car insurance in Lansing, make sure you understand the local laws, average premiums, and which companies have the best rates. Here’s some more information to help you with your search.
How much is car insurance in Lansing?
The average cost of car insurance for Lansing drivers is $147 per month for liability-only insurance and $256 per month for full coverage. How much you pay for coverage will ultimately depend on your driving record, age, chosen coverage, and more.
Which company has the cheapest car insurance in Lansing?
Auto-Owners offers the lowest rates in Lansing. The insurer’s rates start at $53 per month for liability-only coverage and $95 for full coverage. USAA and Chubb also have affordable coverage, with respective liability rates of $54 and $58 per month.
What are the best car insurance companies in Lansing?
With an Insurify Quality (IQ) Score of 8.5 out of 5, an AM Best financial strength rating of A++ (Superior), and high claims satisfaction, Auto-Owners is one of the best car insurance companies in Lansing. On average, Lansing drivers with coverage from Auto-Owners pay $62 per month for liability coverage and $111 for full-coverage insurance.
Drivers in the city have plenty of great insurers to choose from, but some other top companies include Chubb and USAA, thanks to their affordable rates and highly-rated customer service.
What are the Michigan minimum car insurance requirements?
Michigan drivers must have three types of insurance coverage. They must have personal injury protection with coverage limits ranging from none to unlimited. Next, they must have property protection coverage of up to $1 million. Finally, they must have residual liability insurance of $250,000 per person and $500,000 per accident of bodily injury liability and $10,000 for property damage liability.
Can Michigan insurers consider your credit history?
No. Michigan passed an insurance reform in 2019 that prohibits insurance companies from using a driver’s credit score to determine their insurance premiums.[6] In many states, your credit score can be a determining factor when it comes to your insurance rates. Drivers with poor credit scores generally pay more for car insurance, while drivers with good credit tend to pay less.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Michigan
Sources
- Michigan.gov. "Brief Explanation of Michigan No-Fault Insurance."
- Progressive. "Do speeding or parking tickets affect insurance rates?."
- Liberty Mutual. "Speeding tickets, parking tickets and insurance costs."
- Michigan State Police. "Impaired Driving Law."
- National Association of Insurance Commissioners. "2019/2020 Auto Insurance Database Report."
- Michigan.gov. "Michigan's New Auto Insurance Law."
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Erin Gobler
Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
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