Car Insurance in Lansing

Travelers offers Lansing's lowest rates across most driver categories. Adult drivers with clean records pay $251 annually with Travelers, while young drivers pay $864 through GEICO. That's a 244% increase reflecting Michigan's age-based pricing penalties. Senior drivers pay $466 with Travelers.

Auto-Owners charges drivers with accidents $737 annually. Progressive charges DUI drivers $783 yearly, the lowest rate for this violation. Michigan requires first-party benefits coverage, which raises baseline costs statewide.

Travelers leads Lansing with minimum coverage at $251 per year—55% below the city average of $731. Full coverage costs $791 annually.

GEICO charges $534 for minimum coverage and $878 for full coverage. Auto-Owners also offers competitive rates for Lansing drivers.

These three insurers consistently provide the lowest rates in Lansing. Michigan requires first-party benefits coverage, which raises baseline costs statewide. Compare quotes from Travelers, GEICO and Auto-Owners to find your best rate.

Travelers offers the lowest rates for Lansing adults and seniors. Adults with clean records pay $251 annually. Young drivers pay $864 with GEICO, a 244% increase over adult rates. Seniors pay $466 with Travelers, 86% above adult rates.

Auto-Owners charges young drivers $804, less than GEICO's rate. Michigan penalizes young drivers more heavily than most states due to inexperience and the state's high baseline costs. Families adding teen drivers can lower costs through good student discounts and driver training programs.

Travelers charges Lansing drivers with clean records $251 per year. A speeding ticket raises your rate to $452 with Travelers, an 80% increase.

An at-fault accident increases your premium to $664 with Travelers. Progressive offers the lowest DUI rate at $783.

DUI drivers pay about 212% more than clean-record drivers. Michigan penalizes violations heavily on top of the state's already high baseline costs. Clean driving records matter even more in Michigan than in other states.

Travelers earned a MoneyGeek score of 95.64 for Lansing with the city's lowest rates, reliable claims handling and strong financial stability. Auto-Owners scored 87.34 with personalized local agent service and competitive pricing.

Both insurers maintain excellent financial strength ratings and low complaint ratios with the Michigan Department of Insurance. Choose Travelers for the lowest premiums. Choose Auto-Owners for personalized agent support.

Lansing has a competitive insurance market, though Michigan's rates run higher than most states.

Lansing drivers pay an average of $731 per year for minimum coverage and $1,514 for full coverage. These rates match Michigan state averages and reflect mandatory first-party benefits coverage.

Travelers charges $251 for minimum coverage, 66% below the city average. Insurer choice matters more in Michigan's expensive market. Michigan's insurance reforms continue changing, which may affect future rates.

Watch for legislative changes that affect coverage requirements and pricing. Lansing costs less than Detroit or Grand Rapids for auto insurance, though Michigan rates run high overall.

In Lansing, car insurance rates by ZIP code range from $55 to $150 per month. ZIP code 48910 is the most expensive, while 48911 is the cheapest. Check the average rates for your ZIP code on the table below.

With Michigan's high auto insurance rates and complex coverage requirements, finding affordable car insurance in Lansing can feel overwhelming, but our step-by-step guide will show you proven ways to lower your premiums while maintaining good coverage.

Car insurance costs depend on your driving record, credit score and coverage needs. In Lansing, Travelers and GEICO offer the lowest average rates, but compare quotes from multiple insurers to find your best price.

Looking for affordable car insurance in Lansing? These answers cover Lansing's rates, coverage options and ways to lower your premiums.

Michigan's mandatory first-party benefits coverage makes Lansing insurance costs higher than most states, which means finding the right insurer matters even more for your budget. We analyzed hundreds of thousands of quotes from 12 major insurers across all Lansing ZIP codes to identify which companies offer the best combination of low rates, reliable service and coverage flexibility.

Our Sample Driver Profile

Rate comparisons use a baseline 40-year-old driver with a clean record who owns a 2012 Toyota Camry LE, drives 12,000 miles annually and maintains good credit. We adjusted age, driving record, credit score and other factors to calculate rates for specific driver situations: teens, seniors, drivers with violations and military members.

Coverage Levels We Compared

Minimum coverage in Michigan requires $30,000 bodily injury liability per person, $60,000 per accident and $25,000 property damage liability per accident, plus mandatory first-party benefits.

Full coverage uses higher liability limits ($100,000 per person, $300,000 per accident, $100,000 property damage) with comprehensive and collision coverage at $1,000 deductibles each. This combination protects both your finances when you cause an accident and your vehicle when it's damaged.

Company Rankings

Affordability (60%): We compared quotes across multiple driver profiles within Lansing to identify consistently competitive rates. Premium costs weigh heaviest because they determine whether you can maintain coverage long-term.

Customer experience (30%): J.D. Power ratings, Google reviews, AM Best scores and Reddit discussions reveal how insurers handle claims and resolve problems when you actually need coverage.

Coverage options (10%): Providers earn higher scores for offering unique coverage choices and flexibility beyond basic state requirements.