Travelers offers the lowest car insurance rates in Lansing, with average annual premiums of $251 for minimum coverage and $791 for full coverage. GEICO, Progressive and Auto-Owners also offer affordable coverage in the city.
Car Insurance in Lansing
Updated: August 7, 2025
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Key Takeaways
Lansing's cheapest car insurance companies are Travelers, GEICO and Progressive, with savings up to 55% compared to the city average.
Monthly car insurance costs in Lansing average $126 for full coverage and $61 for minimum coverage.
To get the best cheap auto insurance in Lansing, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Lansing?
| Travelers | $21 | $66 | -55% |
| GEICO | $45 | $73 | -39% |
| Progressive | $54 | $92 | -25% |
| AAA | $50 | $113 | -16% |
| Auto-Owners | $55 | $108 | -16% |
Cheapest Lansing Car Insurance by Category
In Lansing, Travelers offers the lowest rates across five driver categories. GEICO provides the cheapest coverage for young drivers and those with newer vehicles, while Progressive wins for drivers with a DUI.
| Young Drivers | GEICO | $72 |
| Adult Drivers | Travelers | $21 |
| Senior Drivers | Travelers | $39 |
| Drivers With an Accident | Auto-Owners | $61 |
| Drivers With a DUI | Progressive | $65 |
| Drivers With a Speeding Ticket | Travelers | $38 |
| Drivers With Bad Credit | Travelers | $75 |
| Drivers With Newer Cars | GEICO | $59 |
| Drivers With Old Cars | Travelers | $22 |
Compare the Cheapest Lansing Car Insurance for You
Your car insurance rates depend on personal factors like your age, driving record and credit score. Check the table below to find companies offering the cheapest rates for drivers with your profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Travelers | $21 | $251 | -67% |
| Geico | $45 | $534 | -30% |
| AAA | $50 | $595 | -21% |
| Progressive | $54 | $645 | -15% |
| Auto Owners | $55 | $657 | -13% |
Best Car Insurance Companies in Lansing
In Lansing, the leading car insurance companies are Travelers, Auto-Owners, Progressive and GEICO. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Travelers | 96 | 1 | 2 | 5 |
| Auto-Owners | 87 | 5 | 1 | 6 |
| Progressive | 86 | 3 | 3 | 2 |
| GEICO | 85 | 2 | 8 | 7 |
| AAA | 80 | 4 | 6 | 7 |
Travelers: Best Value Provider
pros
Excellent rates across driver categories
Strong customer service ratings
Multiple coverage customization options
cons
Limited coverage add-on options
Average claims satisfaction scores
COMPANY HIGHLIGHTS
Travelers ranks as Lansing's top car insurance provider, offering the most competitive rates in the city. The company stands out by providing the lowest rates for multiple driver categories, including seniors, adults, and those with speeding tickets. Travelers maintains strong customer service ratings while keeping premiums well below the city average. Their coverage options give drivers flexibility in building a policy that fits their needs.
Auto-Owners: Best for Customer Service
pros
Top-rated customer service
Personalized agent support
Accident forgiveness available
cons
Higher than average rates
Limited online tools
COMPANY HIGHLIGHTS
Auto-Owners earns its second-place ranking through superior customer service and personalized support. The company leads Lansing in customer satisfaction, offering dedicated local agents who help navigate claims and policy changes. While rates run higher than the city average, Auto-Owners provides the best rates for drivers with accidents on their record. Their strong reputation for claims handling makes them ideal for drivers prioritizing reliable service.
How Much Is Car Insurance in Lansing?
In Lansing, minimum coverage costs about $61 per month or $731 per year, ranking 736th out of all Michigan cities for affordability. Full coverage averages $126 monthly or $1,514 annually, ranking 683rd among Michigan cities.
| Full Coverage | $126 | $1,514 |
| Minimum Coverage | $61 | $731 |
Lansing Car Insurance Cost by Category
In Lansing, monthly coverage costs vary from $61 to $376 depending on the driver profile. Check the table below to see rates for your category.
| Young Drivers | $112 | $254 |
| Adult Drivers | $61 | $126 |
| Senior Drivers | $77 | $152 |
| Drivers With an Accident | $84 | $175 |
| Drivers With a DUI | $191 | $376 |
| Drivers With a Speeding Ticket | $84 | $173 |
| Drivers With Bad Credit | $127 | $272 |
| Drivers With Newer Cars | $90 | $186 |
| Drivers With Old Cars | $63 | $130 |
Lansing Car Insurance Costs by ZIP Code
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.
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ZIP Code:48906
| 48906 | $58 | $123 |
Compare Personalized Lansing Car Insurance Costs
Filter the rates below by age, driving record and other factors to find prices that match your exact profile, beyond the basic breakdowns you've already seen.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $71 | $854 | 1% |
How to Get the Best Cheap Lansing Car Insurance
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.
- 1
Calculate your coverage requirements
Start by determining exactly how much coverage you need for your situation. Use our car insurance coverage needs calculator to understand your requirements. Consider your car's value, your assets, and Michigan's minimum coverage requirements.
- 2
Explore different insurance types
Look into various types of car insurance that could save you money. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Check out non-owner insurance options.
- 3
Know the average costs
Research average vehicle insurance costs in Lansing to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Understanding local rates gives you better negotiating power with insurance providers.
- 4
Check available discounts
Explore every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Look into safe driver programs, good student discounts, and vehicle safety feature savings.
- 5
Research company reputations
Investigate each insurance company's reputation in Lansing. Check customer reviews, claims satisfaction ratings, and financial stability scores. A cheaper policy isn't worth it if the company provides poor service when you need them most.
- 6
Get quotes from multiple providers
Contact at least three different insurance providers for quotes. Use a mix of local agents, online tools, and direct company contacts. Each provider calculates rates differently, so comparing multiple quotes helps you find the best deal.
- 7
Review your policy annually
Set a yearly reminder to review your car insurance policy. Your rates might change based on your driving record, credit score, or company pricing. Shopping around each year ensures you continue getting the best rates available.
Cheapest Car Insurance in Lansing: Bottom Line
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.
Cheap Lansing Car Insurance: FAQ
Looking for affordable car insurance in Lansing? We've researched local rates and coverage options to give you clear answers about finding cheap, reliable protection that fits your budget.
What is the cheapest car insurance company in Lansing, Michigan?
Travelers offers the lowest rates in Lansing, with average annual premiums of $251 for minimum coverage and $791 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Lansing?
Travelers leads Lansing's car insurance providers with a MoneyGeek score of 96 out of 100, scoring 8 points higher than Auto-Owners. Travelers excels in both affordable rates and quality service.
What is the average cost of car insurance in Lansing?
In Lansing, drivers pay $1,514 for full coverage car insurance and $731 for minimum coverage annually. Actual rates vary based on individual driving factors.
Is car insurance in Lansing expensive?
Car insurance in Lansing costs more than average, ranking 736th for minimum coverage affordability and 683rd for full coverage compared to other Michigan cities.
How We Chose the Best and Cheapest Car Insurance in Lansing, MI
To help Lansing drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Department of Insurance and Financial Services and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Michigan to tailor options as closely as possible to you.
Lansing Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Lansing
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Michigan are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.