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.
Cheapest and Best Car Insurance in Lansing, MI








Cheapest Minimum Liability Car Insurance 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.
Cheapest Full Coverage Car Insurance in Lansing
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.
Cheapest Car Insurance in Lansing After a Driving Offense
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.
Cheapest Car Insurance in Lansing for Teens and Their Families
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.
Cheapest Car Insurance in Lansing for Military Drivers
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.
How to Compare Cheap Lansing Car Insurance Quotes Online
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.
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Best Car Insurance in Lansing: Summary
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.
Best Overall Car Insurance in Lansing
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.
How was this MoneyGeek score calculated?

pros
High score in affordability
Great customer satisfaction score
Provides original equipment manufacturer (OEM) coverage and rental car reimbursement coverage
cons
Poor coverage options score
No new car replacement or better car replacement coverage
COMPANY HIGHLIGHTS
Chubb is the best insurance provider in Lansing because it strikes the ideal balance between affordability and customer service. According to a survey conducted by J.D. Power in 2022 and the NAIC customer complaint index, Chubb provides superior customer service with fewer complaints than the average insurance business of its size.
While Chubb offers limited add-ons, you can still get some unique coverage options. For instance, Chubb’s original equipment manufacturer (OEM) coverage covers the cost of replacing your vehicle's original components. It is a beneficial add-on since some insurance companies offer only aftermarket parts, which may be less reliable than original manufacturer auto parts.
Chubb also offers rental car reimbursement coverage, allowing policyholders to rent a vehicle of the same make and model as their own in the event of an insured loss.
Best Car Insurance in Lansing for Customer Service
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.
How was this MoneyGeek score calculated?

pros
High score for customer satisfaction
Excellent claims management score
Provides diminished value coverage
cons
Offers limited coverage options
No roadside assistance
COMPANY HIGHLIGHTS
Chubb is the best auto insurance provider in Lansing in terms of customer service. It provides its customers with outstanding customer service and claims management. The insurer is also among the cheapest car insurance providers in the city. However, you might be disappointed to know that Chubb lacks basic coverages like new car replacement and gap insurance.
You can still get some unique add-ons. For instance, Chubb customers can purchase diminished value coverage (agreed value coverage), which covers you if your automobile is stolen or wrecked. The best part is that it provides the precise value of your automobile at the time your policy was signed.
Chubb offers rental car reimbursement coverage, allowing you to rent a car that is the same or identical to your own. Chubb’s OEM coverage also ensures that the company will pay for original parts and repair processes that are appropriate for your car's model, ultimately boosting its efficiency and safety.
Best Cheap Car Insurance in Lansing
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.
How was this MoneyGeek score calculated?

pros
An affordable minimum coverage policy costs around $357 per year
Offers discounts such as daytime running lights and anti-lock brakes
Excellent scores for claims experience and customer service
cons
Low coverage options score
Doesn’t offer early signing or paperless discounts
COMPANY HIGHLIGHTS
Chubb is ranked as the best cheap auto insurance provider in Lansing by MoneyGeek. The insurer received excellent ratings for claims management, affordability and service, showing its reputation as a client-focused insurer.
Policyholders of Chubb can further lower their premiums by obtaining discounts from the insurer. For instance, you can receive a discount if your car has factory-installed daytime running lamps (DRL). Another discount is available for vehicles equipped with anti-lock brakes from the manufacturer.
Those who pass a defensive driving or accident prevention course are also eligible for a discount from Chubb. Some drivers may be disappointed to discover that the insurer doesn't offer discounts for going paperless or signing early.
Average Cost of Car Insurance in Lansing
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.
About Mark Fitzpatrick
