Cheapest and Best Car Insurance Companies in Lansing, MI

The best auto insurance company for you will depend on your profile and needs. Travelers offers the cheapest minimum and full coverage car insurance in Lansing. GEICO is the cheapest auto insurance company for teens, while USAA offers the most affordable rates to military drivers.

While Chubb offers the cheapest rates to those with driving offenses, it is also the best for customer service in Lansing.

The most affordable insurers for minimum coverage policies in Lansing include:

• Travelers: approximately $80 per year
• Chubb: approximately $357 per year

Hanover has the most expensive minimum coverage insurance, with average annual premiums of $2,956. At $101 per year, Travelers is also the cheapest auto insurance provider in Michigan as of October 2022. This price difference shows how premiums can change based on location.

The liability limits for minimum coverage insurance are established by state law. In Michigan, coverage for bodily injury, property damage and personal injury protection includes the following amounts:

• $50,000 bodily injury liability per person
• $100,000 bodily injury liability per accident
• $10,000 property damage liability per accident outside Michigan
• $1 million property protection within Michigan
• $250,000 personal injury protection

Minimum coverage auto insurance in Lansing does not cover damage to your vehicle or to you personally. It only covers third-party damages. The insurance company will provide coverage of $50,000 per person, $100,000 per accident, $10,000 for property damage and $250,000 for personal injury protection. Anything over those limits will need to be paid out of pocket.

The cheapest auto insurance companies in Lansing for full coverage are:

• Travelers: approximately $762 per year
• Progressive: approximately $842 per year

Hanover offers the most expensive auto insurance in the city, with a full coverage policy costing around $4,502 annually. GEICO is the cheapest auto insurance provider in Michigan for full coverage, with an annual average cost of $877 as of October 2022. This indicates that location can impact insurance premiums.

If you want adequate protection against having to pay a substantial sum for vehicle damages, full coverage insurance is an ideal option. It includes:

• Comprehensive insurance: Covers damages caused by obstructions or natural disasters.
• Collision insurance: Covers damages caused by a collision with a roadblock or another car.

Full coverage ensures a higher level of financial security. However, it may not be prudent to pay more annually for additional coverage if your vehicle is an older model.

Chubb offers the cheapest auto insurance in Lansing to drivers with driving offenses:

• Speeding ticket: Chubb (approximately $908 per year)
• At-fault accident: Chubb (approximately $908 per year)
• DUI: Chubb (approximately $908 per year)

Hanover has the most expensive rates in the city, with average annual premiums of $6,483 for a speeding ticket, $7,068 for an at-fault accident and $8,885 for a DUI. Even the most affordable insurance premiums can be affected by a driver's driving history, particularly after any of these incidents.

Insurance premiums increase proportionally to the magnitude of the traffic offense. If you have a DUI record in Lansing, your insurance premiums will increase by more than $2,382 per year. If you get a speeding ticket, your rates may go up by around $582 annually. You can still obtain cheap auto insurance with a bad driving record.

The following are MoneyGeek's top picks for the cheapest auto insurance in Lansing for a 16-year-old driver on a family policy:

• GEICO: approximately $2,300 per year for female and male teens
• Progressive: approximately $2,428 per year for female and male teens

State Farm has the most expensive rates in Lansing, with an annual average rate of $10,683 for female and male teens on a family policy. This variation highlights the need to compare rates when selecting the best insurance policy.

The cost of teen auto insurance is significantly higher if they get a policy separately. It makes sense to include a teenager in the family plan. An individual policy for male teens in Lansing may cost $3,897 more than a family policy.

By taking the time to compare insurance premiums, families and teen drivers may be able to locate the cheapest teen auto insurance and possibly save more money annually.

In Lansing, the following companies offer the cheapest auto insurance for drivers with a military background and their families:

• USAA: approximately $637 per year
• Travelers: approximately $762 per year

The rates mentioned above are for policies with full coverage. If you select minimum coverage, Travelers is the cheapest insurance provider at roughly $80 per year, followed by USAA at around $261 per year.

To get the best auto insurance rates, it is essential to compare quotes. It may be difficult to obtain online insurance quotes from companies due to the large amount of information needed, and each quote may take 15 minutes or more to complete.

MoneyGeek's insurance calculator can quickly calculate your premiums based on your coverage preference, age, vehicle type and driving record.

The ideal insurer for you will vary based on your preferences. The best insurer for different categories in Lansing include:

• Best overall: Chubb (MoneyGeek score 88 out of 100)
• Best for service: Chubb (MoneyGeek score 76 out of 100)
• Best cheap: Chubb (MoneyGeek score 86 out of 100)

MoneyGeek scores differ in each category based on weightings. Chubb also offers the best auto insurance in Michigan. With a MoneyGeek score of 85 out of 100, USAA is another excellent option for individuals with a military background.

The following companies offer the best overall car insurance in Lansing:

• Chubb: MoneyGeek score 88 out of 100 (approximately $908 per year)
• Farm Bureau Ins of MI: MoneyGeek score 82 out of 100 (approximately $1,314 per year)

Chubb is the best car insurance company in Lansing since it got high scores for affordability and customer service. Those with a military background can also consider USAA. It is one of the cheapest auto insurance providers in Lansing, earning an 85 out of 100 MoneyGeek score.

After excluding the scores for affordability, MoneyGeek identified the following providers that offer the best auto insurance in Lansing for customer service:

• Chubb: MoneyGeek score 76 out of 100 (approximately $908 per year)
• Farm Bureau Ins of MI: MoneyGeek score 73 out of 100 (approximately $1,314 per year)

Chubb obtained excellent scores for claims management and customer satisfaction. It is also fairly affordable, indicating that you can get excellent service for a great price.

MoneyGeek evaluated auto insurance providers in Lansing that meet Michigan's minimum coverage standards. The following are the best cheap auto insurance companies in the city:

• Chubb: MoneyGeek score 86 out of 100 (approximately $357 per year)
• Travelers: MoneyGeek score 80 out of 100 (approximately $80 per year)

Remember that minimum coverage may be inexpensive, but it might not protect you from liability costs or cover collision-related vehicle damage.

The average annual rate for a full coverage auto insurance policy in Lansing is $1,486, which is $705 less than the average cost of auto insurance in Michigan. However, Lansing's rates are $221 more expensive than the national annual average cost of auto insurance as of October 2022.

These costs reflect full coverage auto insurance with limits of $100,000 per accident, $300,000 per person and $100,000 per person for bodily injury liability and property damage liability, respectively. Note that location is only one of a number of factors that affect insurance rates.