120+ more*Quotes generated for Insurify users in and around Lansing, Michigan within the last 10 days. Last updated on September 21, 2026. 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 September 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Plutus Award winner
Over 12 years writing about insurance and personal finance
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
Updated
Drivers in Lansing, Michigan, pay $111 per month for liability coverage and $207 for full coverage.
The average cost of Michigan car insurance is higher than the national average, although Lansing’s car insurance rates are among the lowest in the state. Car insurance quotes in nearby Battle Creek are comparable to those in Lansing, while Detroit drivers pay the highest rates in all of Michigan.
As a smaller city with a population of just less than 114,000, Lansing’s population density is much lower than Detroit’s but a bit higher than Battle Creek’s.[1] This helps explain why Lansing rates are lower than those in larger metropolitan areas, but not the lowest in Michigan.
USAA is the cheapest insurance company in Lansing for liability-only car insurance. This kind of minimum coverage only provides Michigan’s mandatory liability insurance.
All drivers in Michigan must carry the following coverages:[2]
Bodily injury liability: $50,000 per person and $100,000 per accident
Property damage liability: $10,000 per out-of-state accident
Personal injury protection: $250,000 to unlimited for most drivers
Property protection insurance: $1 million in PPI
In the table below, you can compare the car insurance companies with the cheapest liability-only rates in Lansing.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $62 |
| USAA | $62 |
| Chubb | $67 |
| National General | $94 |
| Progressive | $100 |
| Safeco | $100 |
| Liberty Mutual | $114 |
| Bristol West | $122 |
| Direct Auto | $124 |
| State Farm | $128 |
| Travelers | $147 |
| Insurify Car | $148 |
| GEICO | $151 |
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Drivers in Lansing may want more than just the state-minimum car insurance, in part because the city receives an average of 50 inches of snow annually, according to National Weather Service data.[3]
Purchasing full-coverage car insurance, which includes collision and comprehensive coverage, can help pay for repairs to your vehicle if snowy weather results in a single-car collision or if a snow-laden tree branch falls on your car.
Auto-Owners offers the lowest full-coverage insurance rates in Lansing. Below, you can compare rates from the cheapest full-coverage rates in Lansing.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $106 |
| USAA | $107 |
| Chubb | $116 |
| Progressive | $154 |
| Safeco | $174 |
| Liberty Mutual | $208 |
| National General | $209 |
| State Farm | $219 |
| GEICO | $224 |
| Bristol West | $243 |
| Travelers | $254 |
| Direct Auto | $261 |
Insurance rates in Michigan tend to run higher than the national average, likely partly because it’s a no-fault state. Lansing is among the cheapest cities in Michigan for car insurance, with average rates comparable to Battle Creek, Ann Arbor, and Grand Rapids.
These rates partially reflect the accident statistics in each city. Michigan Traffic Crash Facts recorded 3,552 total accidents in Lansing in 2025.[4] Battle Creek saw 1,627 accidents in the same year, while Ann Arbor recorded 2,849, and Grand Rapids reported 5,569. These accident numbers all represent about 3% or less of each city’s total population.
Detroit, which has the highest car insurance rates in Michigan, recorded 23,378 accidents in 2025, representing about 4% of the city’s population. In other words, more Detroit residents have accidents each year than residents of Lansing, Battle Creek, Ann Arbor, and Grand Rapids.
Compare the average car insurance cost in Lansing with quotes from other cities in Michigan in the table below:
City | Average Monthly Quote |
|---|---|
| Grand Rapids | $156 |
| Ann Arbor | $158 |
| Battle Creek | $158 |
| Kalamazoo | $163 |
| Rochester | $180 |
| Flint | $196 |
| Westland | $207 |
| Clinton Township | $225 |
| Warren | $240 |
| Southfield | $248 |
| Dearborn | $331 |
| Detroit | $342 |
*Quotes generated for Insurify users in and around Lansing, Michigan within the last 10 days. Last updated on September 21, 2026. 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 September 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Lansing drivers with a speeding ticket, an at-fault accident, or an operating while intoxicated (OWI) conviction on their driving history typically pay higher car insurance rates compared to people with a clean driving record.
Here are the cheapest insurance companies for drivers in Lansing based on driving record:
Cheapest car insurance for Lansing drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Lansing: USAA
Cheapest car insurance for Lansing drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with an OWI in Lansing: USAA
Among drivers in Lansing, about 4% have a speeding ticket, 3% have an at-fault accident, and 1% have an OWI on their driving record, according to Insurify data.
Speeding in Lansing can result in a fine of up to $180.[5] An OWI conviction is a more serious infraction, with penalties that may include driver’s license suspension, jail time, community service, and up to $2,700 in fines.[6]
In addition to these penalties, Lansing drivers with a speeding ticket or an OWI on their driving record typically pay higher insurance rates.
Since Michigan is a no-fault state, drivers can file a claim with their own insurance company after an accident, regardless of fault. But the state still determines fault when accidents occur, meaning drivers involved in at-fault accidents may still see higher insurance rates.
In the table below, you’ll find the average car insurance quotes in Lansing based on driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $159 |
| Speeding ticket | $187 |
| At-fault accident | $188 |
| DUI | $256 |
You should keep these factors in mind as a driver in Lansing:
Cost of parking: Parking in Lansing’s highest-demand areas can be expensive due to the city’s efforts to encourage on-street turnover. The city aims to discourage drivers from parking their cars in valuable spaces all day.
Michigan State University: Lansing is only three miles from East Lansing, the home of Michigan State University. The 52,000 students who attend MSU affect the area’s population density, since Lansing has about 114,000 residents, and East Lansing has just over 49,000 year-round residents. College students are typically between the ages of 18 and 25 and have less experience behind the wheel, so drivers in Lansing should be cautious about the influx of MSU students each year. This is especially true on major travel days, such as move-in day or the end of a semester.
Annual snowfall: Lansing’s winters can be cold and snowy, with an average annual snowfall of about 50 inches. Drivers in Lansing need to be cautious when navigating the city on snowy days and should consider buying a full-coverage policy to protect their vehicles.
The average commute time in Lansing is a very manageable 19 minutes, which is significantly lower than Michigan’s 24 minutes and the national average of 27 minutes.
Interstates 69 and 96 run along Lansing’s boundaries, and I-496 bisects it. The city offers traffic advisories on its website to help drivers stay up to date on construction projects, events, and other issues that may affect traffic. Drivers may also sign up to receive these traffic advisories via email or text notifications.
Between Lansing’s relatively short average commute time and its open communication with residents about traffic advisories, most drivers can avoid spending excessive time behind the wheel, which can help lower car insurance rates.
Liability quotes start at $62/mo.
Teen drivers in Lansing pay an average of $254 per month for auto insurance. As the age demographic with the least experience on the road, teenage drivers typically pay the highest average rates for auto insurance.
High car insurance quotes for teens may be a major concern in Lansing, where nearly 22% of residents are younger than 18. Statewide, Michigan has nearly 290,000 teen drivers 19 and younger.[7]
Check out the table below for a list of the insurance companies with the cheapest auto insurance rates for teenagers in Lansing.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $106 |
| Auto-Owners | $117 |
| Chubb | $129 |
| Progressive | $160 |
| National General | $175 |
| Liberty Mutual | $186 |
| Safeco | $192 |
| Bristol West | $201 |
| Direct Auto | $227 |
| State Farm | $232 |
| Insurify Car | $236 |
| GEICO | $256 |
| Travelers | $286 |
Nearly 14% of Lansing’s population is 65 and older, and this age group typically pays the lowest car insurance rates of any age demographic because senior drivers have decades of experience behind the wheel.
But shopping around to find the cheapest coverage can still help reduce your premiums as a senior driver. USAA offers the lowest average rates for senior drivers in Lansing.
In the table below, you’ll find more insurers with the cheapest rates for senior drivers in Lansing.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $49 |
| USAA | $50 |
| Chubb | $51 |
| National General | $74 |
| Progressive | $86 |
| Safeco | $87 |
| Liberty Mutual | $94 |
| State Farm | $100 |
| Direct Auto | $101 |
| Bristol West | $102 |
| Travelers | $118 |
| GEICO | $120 |
| Insurify Car | $128 |
You can use the answers to the following questions to help you identify the cheapest insurance companies for your coverage needs in Lansing, Michigan.
USAA is the cheapest insurance company in Lansing for liability-only car insurance. The state-minimum coverage includes bodily injury liability coverage, personal injury protection, property damage liability coverage, and property protection insurance.
In Lansing, liability-only insurance coverage costs an average of $111 per month, while full-coverage insurance costs $207 per month.
Drivers in Lansing can reduce their car insurance costs by purchasing multiple insurance policies from the same company. Bundling auto with home insurance is the most common option.
But you can often save money by bundling all your policies from one insurance company, including motorcycle insurance, personal umbrella insurance, life insurance, or business insurance. You should also ask your agent about any other discounts you qualify for.
The annual influx of roughly 52,000 Michigan State University students to nearby East Lansing can affect car insurance rates for Lansing drivers. These students increase the area’s population density and add more young drivers to the road.
Winter weather in Lansing may also affect insurance rates. The city averages 50 inches of snowfall each year, which can make driving more dangerous. Adding roadside assistance coverage to an insurance policy can help protect Lansing drivers from the potential perils of driving in the snow.
Michigan requires every driver to carry no-fault auto insurance in the minimum amounts for bodily injury liability, property damage liability, personal injury protection (PIP), and property protection insurance (PPI).
Drivers must meet liability limits of 50/100/10, $1 million in PPI, and a minimum of $250,000 in PIP for most drivers. Michigan residents who qualify for Medicaid must have at least $50,000 in PIP, while drivers enrolled in Medicare Parts A and B can opt out.
Insurify data scientists analyzed more than 250 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Plutus Award winner
Over 12 years writing about insurance and personal finance
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
