Best Cheap Auto Insurance in Lansing, Michigan (2023)

From the Michigan History Center to the Abrams Planetarium and the Impression 5 Science Center, there’s plenty to love about living in Lansing. The car insurance rates aren’t bad, either.

Lansing drivers pay an overall average car insurance premium of $232 per month. While Michigan has some of the highest insurance rates in the country, drivers in Lansing actually pay quite a bit less than the rest of the state. The overall average monthly cost of car insurance in Michigan is $305.

Despite the area’s average rate, you could pay more or less based on factors like your driving record, age, and more. Before signing up for a policy, make sure to shop around with multiple companies to find the best rate.

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Best 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.

Best insurer for cheap rates: Chubb

Best insurer for customer service: Auto-Owners

Best insurer for military and veterans: USAA

Cheapest liability-only car insurance in Lansing

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.

However, liability insurance doesn’t pay for any damage to your vehicle or for any injuries you or your passengers may have suffered.

The overall average cost of liability-only coverage in Lansing is $148 per month. Here, you can see the average rates for liability-only coverage in Lansing.

Cheapest full-coverage car insurance in Lansing

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 $315. The following table illustrates full-coverage quotes from top insurers in the city.

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:

• Collision coverage

• Comprehensive coverage

• Limited property damage liability coverage

• Towing and rental coverage

• Roadside assistance

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. However, 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.

In the sections that follow, you’ll see how individual incidents can affect your rates.

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Cheapest car insurance for drivers with a speeding ticket

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 $175 for liability-only coverage.

Cheapest car insurance for drivers with an at-fault accident

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 $376 per month for full coverage. The following table illustrates quotes from top insurers for Lansing drivers after an at-fault accident.

Cheapest car insurance for drivers with a DUI

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 $323.

Cheapest car insurance for seniors

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 $273 for full coverage and $128 for liability-only policies, on average. The following table provides examples of top insurers’ rates for seniors in Lansing.

Cheapest car insurance for teens

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 tend to pay the highest insurance premiums.

Lansing teen drivers pay an average of $195 per month for liability-only insurance and $414 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.

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.

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Lansing car insurance quotes by credit tier

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 excellent or good credit scores tend to pay less.

However, the insurance reform Michigan passed in 2019 prohibits insurance companies from using a driver’s credit score to determine their insurance premiums.^[5]

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 law. 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.^[6]

When it comes to Lansing in particular, the city’s average liability-only rate is a bit lower than the national average, while the average full-coverage rate is a bit higher.

More cities in Michigan

Lansing has more affordable insurance premiums than other major cities in the state. Flint, Grand Rapids, Kalamazoo, Southfield, and Warren all have more expensive insurance than Lansing. And in some cases, premiums elsewhere are significantly more expensive, too.

Lansing car insurance FAQs