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.

Erin Gobler
Written byErin Gobler
Erin Gobler
Erin Gobler
  • 5+ years of finance writing experience 

  • Certificate of financial planning from Boston University

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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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated November 28, 2024

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Cheapest recent rates near Lansing, Michigan

Drivers in and around Lansing, Michigan have found policies from Safeco, Progressive, State Farm, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Lansing, Michigan within the last 10 days. Last updated on November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 28, 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 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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
Chubb6.5$121$68Cheap rates
Auto-Owners8.5$111$62Customer service
USAA9.4$112$63Military 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.
See all Chubb reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.41
A.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 143 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 (90)

Jim

November 24, 2024

Verified Review

Auto

Overall, it's good, though their flexibility on pricing is less than desired.

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.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.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 1614 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 (920)

Susan

November 25, 2024

Verified Review

New to USAA

I have had limited contact with USAA since I started working with them. I wish my car insurance and homeowners policy were less expensive. I drive less than 50 miles a week and feel I am paying too much.

Andrew

November 25, 2024

Verified Review

Great Insurance but Expensive

The customer service and claims process are outstanding.

Arnie

November 25, 2024

Verified Review

Ratings

I have been with them for 50 years.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.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:

  • illustration card https://a.storyblok.com/f/162273/x/64a2fc54c7/good-driver.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/9f249b61b8/bundling.svg

    Save with discounts

    Many car insurance companies offer discounts for things like having certain vehicle safety features, paying your premium up front, and more.

  • car in carage

    Bundle your policies

    If you have homeowners insurance or renters insurance, you can save by bundling your insurance products with the same company.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    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
Shopper Approved
ProgressiveLiberty MutualAllstate

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 in and around Lansing, Michigan have found policies from Auto-Owners, Progressive, Safeco, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Lansing, Michigan within the last 10 days. Last updated on November 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 28, 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 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 28, 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:

  • illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

    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)

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    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:

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
Shopper Approved
ProgressiveLiberty MutualAllstate

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?

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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Michigan.gov. "Brief Explanation of Michigan No-Fault Insurance."
  2. Progressive. "Do speeding or parking tickets affect insurance rates?."
  3. Liberty Mutual. "Speeding tickets, parking tickets and insurance costs."
  4. Michigan State Police. "Impaired Driving Law."
  5. National Association of Insurance Commissioners. "2019/2020 Auto Insurance Database Report."
  6. Michigan.gov. "Michigan's New Auto Insurance Law."
Erin Gobler
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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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