Cheapest Car Insurance in Lansing (2026)

At $21 monthly, Travelers provides Lansing's most affordable minimum coverage option, while also offering the cheapest full coverage at $66 per month or $791 annually. These premiums apply to drivers with clean records. Age and driving history play major roles in determining which provider gives you the lowest premium, so requesting quotes from multiple carriers reveals your best available rate.

Michigan residents spend $57 monthly for minimum coverage, but Lansing drivers pay $61 for the same protection. Full coverage follows a similar pattern at $126 versus the state's $121 average.

The city's higher rates stem from traffic congestion causing more frequent accidents, plus winter weather creating additional claims. Population density also contributes to elevated vehicle theft rates compared to rural Michigan areas.

These urban factors combine to push Lansing's premiums slightly above statewide averages. Comparing quotes helps residents find the most competitive rates.

Read More: The cheapest car insurance in Michigan

Young drivers pay high premiums in Lansing at $203 monthly across the top five insurers, compared to $90 for adults and $129 for seniors. Young drivers pay more than double adult rates because insurers view them as inexperienced and statistically more likely to file claims.

Cheapest Lansing car insurance by age:

• Young drivers: GEICO at $130 per month
• Adult drivers: Travelers at $66 per month
• Senior drivers: Progressive at $109 per month

Once drivers establish experience, age matters less. The modest difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.

Young drivers in Lansing pay high insurance costs, but GEICO offers the lowest rates at $130 monthly or $1,565 annually for full coverage. Drivers aged 16 to 25 pay more because insurers view them as the riskiest group due to inexperience behind the wheel, higher accident rates and more frequent traffic violations. 

With young drivers averaging $203 monthly compared to adults at $90, youth premiums run more than double what experienced drivers pay. Drivers save $130 monthly by choosing GEICO over Allstate at $260 monthly. Adding a young driver to your family policy beats getting them standalone coverage, but expect high rates until age 25.

Note: Teen drivers under 18 may have additional legal requirements and restrictions that vary by state.

Lansing seniors benefit from decades of driving experience that help them maintain clean records, helping Progressive offer the lowest rates at $109 monthly or $1,311 annually for full coverage. While most insurers view experienced drivers favorably, some bump up premiums slightly for those over 70 due to reaction time concerns. 

Across the five cheapest insurers, Lansing's seniors average $129 monthly, just $39 above the $90 that younger adults pay. Choosing Progressive over GEICO at $146 monthly saves $37 each month. Seniors can reduce costs further through defensive driving courses or low-mileage discounts for driving under 7,500 miles annually.

Adult drivers between 26 and 64 secure the most competitive insurance rates in Lansing because they blend extensive driving experience with statistically lower accident involvement than younger and older drivers. 

Travelers leads the market at $66 monthly or $791 annually for full coverage, while the average across Lansing's five cheapest insurers hits $90 monthly. This represents the most affordable rates available to any age group in the area.

Shopping around pays off for adults, with a $47 monthly difference between Travelers and AAA's $113 rate. Maintaining clean driving records and bundling policies can push premiums even lower.

Driving violations raise insurance costs in Lansing. While Travelers charges just $21 monthly for minimum liability coverage with a clean record, rates jump to $38 through Travelers for speeding tickets and $65 through Progressive for DUIs. 

The average monthly cost across the five cheapest insurers shows clear patterns: $45 for clean records, $65 for speeding tickets, $70 for at-fault accidents and $105 for DUIs. At-fault accidents raise premiums because they show you've caused actual property damage or injuries, signaling increased risk to insurers. 

DUIs trigger the highest rate increases since they combine dangerous behavior with serious legal consequences and often require SR-22 filing. Speeding tickets increase rates less because they show risky driving without proving crash involvement.

Car insurance costs in Lansing vary by location, with ZIP code 48911 offering the most affordable rates at $55 monthly while ZIP code 48910 charges the highest at $150.

For Lansing's most populated areas, ZIP codes 48910, 48911 and 48912 charge $150, $116 and $117 monthly for minimum coverage. 

Rates vary by neighborhood factors like accident frequency, vehicle theft rates, population density and uninsured driver percentages. Click the filter above the table to locate your ZIP code and check your area's rate.

Lower premiums and proper coverage in Lansing come down to knowing which discounts apply to your situation.

Want to find affordable car insurance in Lansing? This FAQ offers clear answers about available discounts, state regulations and policy options to help you get coverage that fits your budget.

Lansing drivers pay some of Michigan's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Lansing's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.