The average car insurance rates in Lansing, Michigan, stand at $1,836 per year, which is cheaper than the state average. GEICO offers the cheapest annual rates at $845, on average. To accommodate various drivers, MoneyGeek has analyzed the cheapest options by coverage amount and driving history to find the best prices. MoneyGeek also evaluated quality to recommend the companies that offer the best car insurance in Lansing.
Compare the Cheapest Car Insurance Quotes in Lansing
The Cheapest and Best Car Insurance in Lansing
The Cheapest Car Insurance Companies in Lansing
On average, the companies offering cheap car insurance in Lansing with a full coverage policy are:
- GEICO: $845 per year
- USAA: $942 per year (only available for current and former military members)
GEICO’s rates are 419.9% cheaper than Hanover, the most expensive full coverage insurer in the city. Hanover’s rates stand at $4,393 per year on average. Note that the price of coverage is not always the sole factor in determining which company offers the best car insurance, as there are plenty of insurers that offer the same core coverages at varying costs.
MoneyGeek gathered prices based on a sample driver profile of a 40-year-old male driver looking for a full coverage policy, which includes liability insurance and comprehensive and collision insurance.
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Average Cost of Car Insurance in Lansing
Car insurance is a legal requirement that drivers should keep in mind before buying a car. However, note that car insurance rates can vary based on location since different states have varying coverage requirements.
The average car insurance rate in Lansing is $1,836 per year. Compared to the cost of car insurance in the state of Michigan, Lansing pays 66.4% less than the state’s average rate of $5,471 per year. However, Lansing drivers pay 28.9% more than the national average of $1,424.
The Best Car Insurance Companies in Lansing
The best car insurance in Lansing considers both affordability and quality service. For drivers looking for a balance between these two factors, MoneyGeek found that the best insurers in Lansing are:
- The Hartford: MoneyGeek score of 87.5 out of 100
- Auto-Owners Insurance Co: MoneyGeek score of 87.5 out of 100
USAA received the top score with 100 out of 100, but the insurer only provides coverage for current and former military members and their families.
The best car insurance companies in Lansing were ranked based on three criteria. These included J.D. Power user satisfaction, affordability and financial stability.
Personalized Quotes to Get You the Cheapest Car Insurance in Lansing
Car insurance rates are affected by many factors, from coverage limits and the vehicle model to the driver’s personal information and credit score. Some drivers may also qualify for certain discounts, rebates or other savings given their circumstances. This is why it’s important to compare car insurance quotes in Lansing regularly.
Shopping around for car insurance in Lansing could save you $991, which is enough to buy:
Cheapest Car Insurance in Lansing by Coverage Amount
An insurance policy’s coverage limits can greatly affect premiums. For instance, a policy that meets state minimums costs $1,218 on average. On the other hand, a full coverage policy that comes with higher liability limits costs roughly $1,836. As full coverage policies can better protect a driver in case of an accident, the difference of $618 might be worth it.
Michigan Minimum Liability Requirements
- Bodily Injury$20,000 per person and $40,000 per accident. A more protective level is 100/300/100.
- Personal Injury ProtectionUnlimited per person. Unlimited per accident.
- Other$1 million property protection.
While getting affordable auto insurance is important, having the appropriate amount of coverage is just as crucial. Fortunately, it doesn’t always have to come at a hefty cost. For instance, GEICO offers full coverage policies with 50/100/50 limits at $778 per year on average, while their liability-only policies that cover state minimums cost about $536 per year.
For drivers who want 50/100/50 liability-only policies, the average cost with GEICO is $581 annually, which is only $45 more than the state minimum policy.
With a $50,000 bodily injury limit per person per accident, $100,000 for total injuries per accident and $50,000 in property damage, this extra protection can give Lansing drivers extra peace of mind. This is especially important for teen drivers or seniors.
Drivers who want even more coverage can opt for a 100/300/100 full coverage policy at an average annual rate of $845, which is only $67 more than a 50/100/50 full coverage policy.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Lansing if You Have Driving Violations
A driver’s history is another significant factor that can affect the cost of car insurance. For instance, a driver insured by Progressive with a clean record could pay $373 less on average than someone with a speeding ticket. This gap gets even wider for situations such as accidents where the driver is at fault and has DUIs. For drivers at fault, they may pay roughly $889 more, while those with a DUI violation may pay about $251 more.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
A driver’s location or ZIP code is another factor insurers in Michigan take into consideration when determining annual premiums. This is because some neighborhoods may be more prone to accidents and theft, among other factors.
However, in Lansing, the price difference is minimal. Residents in 48911, which is the cheapest ZIP code, pay an average of $1,816 per year for car insurance. On the other hand, those within 48910 pay an average of $1,855 per year, which is only $39 more.
- Zip CodeState Minimumper year
Factors That Impact Insurance Costs in Lansing
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Lansing. How Lansing ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Lansing are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
About the Author
- Kaiser Family Foundation. "2019 Employer Health Benefits Survey." Accessed January 16, 2020.