Compare Rates and Save on Auto Insurance

widget-location-pin

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.

MoneyGeek Logo IconCheapest + BestCar InsuranceLansing
2023

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.

Company
Annual Premium
Monthly Premium

Travelers

$75

$6

Travelers

$80

$7

Travelers

$88

$7

Chubb

$297

$25

Chubb

$357

$30

Chubb

$392

$33

Progressive

$540

$45

Progressive

$544

$45

Progressive

$545

$45

Pioneer State Mutual Ins Co

$561

$47

Encompass

$565

$47

GEICO

$586

$49

GEICO

$586

$49

Pioneer State Mutual Ins Co

$588

$49

GEICO

$594

$50

Auto-Owners Insurance Co

$599

$50

Pioneer State Mutual Ins Co

$619

$52

Farm Bureau Ins of MI

$634

$53

Auto-Owners Insurance Co

$635

$53

Farmers

$642

$54

Encompass

$644

$54

Encompass

$644

$54

Farm Bureau Ins of MI

$665

$55

Farmers

$685

$57

Travelers

$688

$57

Grange Insurance

$703

$59

Westfield

$708

$59

Grange Insurance

$708

$59

Auto-Owners Insurance Co

$739

$62

Farmers

$750

$63

Chubb

$757

$63

Travelers

$762

$64

Westfield

$767

$64

Farm Bureau Ins of MI

$818

$68

Progressive

$818

$68

Progressive

$842

$70

Westfield

$849

$71

Travelers

$853

$71

Grange Insurance

$857

$71

GEICO

$904

$75

Pioneer State Mutual Ins Co

$905

$75

Chubb

$908

$76

GEICO

$908

$76

GEICO

$914

$76

Pioneer State Mutual Ins Co

$945

$79

Progressive

$959

$80

Chubb

$1,010

$84

Farmers

$1,011

$84

Pioneer State Mutual Ins Co

$1,112

$93

Farmers

$1,113

$93

Encompass

$1,144

$95

Farm Bureau Ins of MI

$1,210

$101

Auto-Owners Insurance Co

$1,210

$101

Farmers

$1,241

$103

Auto-Owners Insurance Co

$1,244

$104

Auto-Owners Insurance Co

$1,306

$109

Farm Bureau Ins of MI

$1,314

$109

Encompass

$1,359

$113

Encompass

$1,359

$113

State Farm

$1,360

$113

Grange Insurance

$1,364

$114

Grange Insurance

$1,473

$123

State Farm

$1,483

$124

Grange Insurance

$1,543

$129

Farm Bureau Ins of MI

$1,619

$135

State Farm

$1,683

$140

Westfield

$1,885

$157

State Farm

$1,899

$158

Westfield

$2,011

$168

State Farm

$2,080

$173

State Farm

$2,392

$199

Westfield

$2,458

$205

Hanover

$2,809

$234

Hanover

$2,956

$246

Hanover

$3,147

$262

Hanover

$4,101

$342

Hanover

$4,502

$375

Hanover

$5,139

$428

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.

Company
Annual Premium
Monthly Premium

Travelers

$75

$6

Travelers

$80

$7

Travelers

$88

$7

Chubb

$297

$25

Chubb

$357

$30

Chubb

$392

$33

Progressive

$540

$45

Progressive

$544

$45

Progressive

$545

$45

Pioneer State Mutual Ins Co

$561

$47

Encompass

$565

$47

GEICO

$586

$49

GEICO

$586

$49

Pioneer State Mutual Ins Co

$588

$49

GEICO

$594

$50

Auto-Owners Insurance Co

$599

$50

Pioneer State Mutual Ins Co

$619

$52

Farm Bureau Ins of MI

$634

$53

Auto-Owners Insurance Co

$635

$53

Farmers

$642

$54

Encompass

$644

$54

Encompass

$644

$54

Farm Bureau Ins of MI

$665

$55

Farmers

$685

$57

Travelers

$688

$57

Grange Insurance

$703

$59

Westfield

$708

$59

Grange Insurance

$708

$59

Auto-Owners Insurance Co

$739

$62

Farmers

$750

$63

Chubb

$757

$63

Travelers

$762

$64

Westfield

$767

$64

Farm Bureau Ins of MI

$818

$68

Progressive

$818

$68

Progressive

$842

$70

Westfield

$849

$71

Travelers

$853

$71

Grange Insurance

$857

$71

GEICO

$904

$75

Pioneer State Mutual Ins Co

$905

$75

Chubb

$908

$76

GEICO

$908

$76

GEICO

$914

$76

Pioneer State Mutual Ins Co

$945

$79

Progressive

$959

$80

Chubb

$1,010

$84

Farmers

$1,011

$84

Pioneer State Mutual Ins Co

$1,112

$93

Farmers

$1,113

$93

Encompass

$1,144

$95

Farm Bureau Ins of MI

$1,210

$101

Auto-Owners Insurance Co

$1,210

$101

Farmers

$1,241

$103

Auto-Owners Insurance Co

$1,244

$104

Auto-Owners Insurance Co

$1,306

$109

Farm Bureau Ins of MI

$1,314

$109

Encompass

$1,359

$113

Encompass

$1,359

$113

State Farm

$1,360

$113

Grange Insurance

$1,364

$114

Grange Insurance

$1,473

$123

State Farm

$1,483

$124

Grange Insurance

$1,543

$129

Farm Bureau Ins of MI

$1,619

$135

State Farm

$1,683

$140

Westfield

$1,885

$157

State Farm

$1,899

$158

Westfield

$2,011

$168

State Farm

$2,080

$173

State Farm

$2,392

$199

Westfield

$2,458

$205

Hanover

$2,809

$234

Hanover

$2,956

$246

Hanover

$3,147

$262

Hanover

$4,101

$342

Hanover

$4,502

$375

Hanover

$5,139

$428

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.

Loading...
  • coins2 icon

    Compare

    Compare minimum and full coverage policies.

  • find icon

    Find a match

    Get matched with an insurer in Lansing.

  • financialPlanning icon

    Save

    Save hundreds of dollars per year.

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.

Company
Annual Premium
Monthly Premium

Travelers

$130

$11

Travelers

$139

$12

Travelers

$155

$13

Travelers

$187

$16

Travelers

$194

$16

Travelers

$210

$18

Chubb

$297

$25

Chubb

$297

$25

Chubb

$297

$25

Chubb

$357

$30

Chubb

$357

$30

Chubb

$357

$30

Travelers

$371

$31

Travelers

$371

$31

Travelers

$387

$32

Chubb

$392

$33

Chubb

$392

$33

Chubb

$392

$33

Progressive

$585

$49

Progressive

$589

$49

Progressive

$591

$49

Progressive

$622

$52

Progressive

$624

$52

Progressive

$627

$52

Encompass

$640

$53

Progressive

$676

$56

Progressive

$677

$56

Pioneer State Mutual Ins Co

$681

$57

Progressive

$683

$57

Auto-Owners Insurance Co

$701

$58

Pioneer State Mutual Ins Co

$708

$59

Encompass

$725

$60

Encompass

$725

$60

Farm Bureau Ins of MI

$735

$61

Pioneer State Mutual Ins Co

$739

$62

Chubb

$757

$63

Chubb

$757

$63

Chubb

$757

$63

Auto-Owners Insurance Co

$770

$64

Farm Bureau Ins of MI

$773

$64

Auto-Owners Insurance Co

$806

$67

Encompass

$831

$69

Westfield

$849

$71

Farmers

$861

$72

Farm Bureau Ins of MI

$862

$72

Farmers

$872

$73

Pioneer State Mutual Ins Co

$874

$73

Auto-Owners Insurance Co

$886

$74

Auto-Owners Insurance Co

$886

$74

Farmers

$903

$75

Farm Bureau Ins of MI

$904

$75

Chubb

$908

$76

Chubb

$908

$76

Chubb

$908

$76

Pioneer State Mutual Ins Co

$909

$76

Farmers

$911

$76

Progressive

$916

$76

Farmers

$919

$77

Westfield

$920

$77

Farmers

$928

$77

Progressive

$942

$79

Encompass

$944

$79

Encompass

$944

$79

Farmers

$947

$79

Farm Bureau Ins of MI

$949

$79

Pioneer State Mutual Ins Co

$953

$79

Grange Insurance

$953

$79

Farmers

$977

$81

Grange Insurance

$984

$82

Farmers

$986

$82

Progressive

$1,006

$84

Chubb

$1,010

$84

Chubb

$1,010

$84

Chubb

$1,010

$84

Auto-Owners Insurance Co

$1,018

$85

Westfield

$1,019

$85

Progressive

$1,036

$86

Westfield

$1,040

$87

Progressive

$1,058

$88

Progressive

$1,081

$90

Pioneer State Mutual Ins Co

$1,083

$90

Westfield

$1,100

$92

Farm Bureau Ins of MI

$1,111

$93

Progressive

$1,114

$93

Pioneer State Mutual Ins Co

$1,137

$95

Grange Insurance

$1,152

$96

Progressive

$1,157

$96

Westfield

$1,181

$98

GEICO

$1,183

$99

Grange Insurance

$1,192

$99

Pioneer State Mutual Ins Co

$1,205

$100

Grange Insurance

$1,213

$101

GEICO

$1,219

$102

GEICO

$1,229

$102

Progressive

$1,241

$103

Pioneer State Mutual Ins Co

$1,263

$105

Travelers

$1,295

$108

Encompass

$1,295

$108

Grange Insurance

$1,322

$110

Pioneer State Mutual Ins Co

$1,323

$110

GEICO

$1,325

$110

Pioneer State Mutual Ins Co

$1,330

$111

Grange Insurance

$1,332

$111

Pioneer State Mutual Ins Co

$1,373

$114

Farmers

$1,394

$116

Farm Bureau Ins of MI

$1,403

$117

Auto-Owners Insurance Co

$1,426

$119

GEICO

$1,431

$119

Pioneer State Mutual Ins Co

$1,435

$120

Travelers

$1,438

$120

GEICO

$1,443

$120

Farmers

$1,454

$121

Farmers

$1,463

$122

Grange Insurance

$1,478

$123

Auto-Owners Insurance Co

$1,486

$124

Farmers

$1,491

$124

Farmers

$1,502

$125

Farm Bureau Ins of MI

$1,525

$127

Farmers

$1,525

$127

Encompass

$1,531

$128

Encompass

$1,531

$128

Auto-Owners Insurance Co

$1,565

$130

Auto-Owners Insurance Co

$1,576

$131

Farmers

$1,592

$133

Farm Bureau Ins of MI

$1,598

$133

Grange Insurance

$1,609

$134

Travelers

$1,610

$134

Auto-Owners Insurance Co

$1,624

$135

Farmers

$1,630

$136

State Farm

$1,640

$137

Farmers

$1,664

$139

Pioneer State Mutual Ins Co

$1,676

$140

Encompass

$1,681

$140

Auto-Owners Insurance Co

$1,698

$141

Auto-Owners Insurance Co

$1,731

$144

Farm Bureau Ins of MI

$1,734

$145

Travelers

$1,739

$145

Auto-Owners Insurance Co

$1,784

$149

State Farm

$1,790

$149

Farm Bureau Ins of MI

$1,794

$150

Grange Insurance

$1,811

$151

Farm Bureau Ins of MI

$1,878

$156

Travelers

$1,882

$157

Pioneer State Mutual Ins Co

$1,883

$157

Farm Bureau Ins of MI

$1,885

$157

GEICO

$1,898

$158

Pioneer State Mutual Ins Co

$1,947

$162

GEICO

$1,985

$165

Encompass

$1,989

$166

Encompass

$1,989

$166

Auto-Owners Insurance Co

$1,991

$166

GEICO

$2,008

$167

Grange Insurance

$2,026

$169

State Farm

$2,034

$169

Grange Insurance

$2,034

$170

State Farm

$2,058

$172

Travelers

$2,059

$172

GEICO

$2,123

$177

Farm Bureau Ins of MI

$2,136

$178

Westfield

$2,149

$179

Grange Insurance

$2,162

$180

Westfield

$2,193

$183

Westfield

$2,209

$184

State Farm

$2,249

$187

State Farm

$2,281

$190

Westfield

$2,290

$191

Pioneer State Mutual Ins Co

$2,291

$191

Grange Insurance

$2,296

$191

Farm Bureau Ins of MI

$2,316

$193

GEICO

$2,325

$194

Westfield

$2,329

$194

GEICO

$2,357

$196

Grange Insurance

$2,439

$203

State Farm

$2,497

$208

State Farm

$2,561

$213

Grange Insurance

$2,670

$223

State Farm

$2,854

$238

Westfield

$2,862

$239

State Farm

$2,876

$240

Grange Insurance

$2,885

$240

Grange Insurance

$2,980

$248

Westfield

$3,054

$255

Auto-Owners Insurance Co

$3,079

$257

State Farm

$3,122

$260

Travelers

$3,150

$263

Encompass

$3,155

$263

Farm Bureau Ins of MI

$3,194

$266

Westfield

$3,203

$267

Auto-Owners Insurance Co

$3,250

$271

Travelers

$3,287

$274

Auto-Owners Insurance Co

$3,386

$282

Farm Bureau Ins of MI

$3,461

$288

Travelers

$3,465

$289

State Farm

$3,596

$300

State Farm

$3,602

$300

Encompass

$3,605

$300

Encompass

$3,605

$300

GEICO

$3,606

$301

GEICO

$3,624

$302

GEICO

$3,680

$307

Westfield

$3,729

$311

State Farm

$3,937

$328

Farm Bureau Ins of MI

$4,261

$355

Hanover

$4,279

$357

Hanover

$4,333

$361

State Farm

$4,492

$374

Hanover

$4,553

$379

Hanover

$4,663

$389

Hanover

$4,734

$395

State Farm

$4,955

$413

Hanover

$5,017

$418

State Farm

$5,414

$451

Westfield

$5,626

$469

Hanover

$5,742

$478

Westfield

$5,774

$481

Hanover

$5,832

$486

Encompass

$5,951

$496

GEICO

$6,001

$500

GEICO

$6,066

$506

GEICO

$6,066

$506

Hanover

$6,144

$512

Hanover

$6,153

$513

State Farm

$6,264

$522

Westfield

$6,300

$525

Hanover

$6,483

$540

Hanover

$6,707

$559

Encompass

$6,937

$578

Encompass

$6,937

$578

Hanover

$7,068

$589

Hanover

$7,282

$607

Hanover

$7,982

$665

Hanover

$8,432

$703

Hanover

$8,885

$740

Hanover

$9,986

$832

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$994

$3,763

GEICO

$1,116

$3,763

GEICO

$1,147

$4,343

Travelers

$1,147

$2,168

Travelers

$1,147

$2,168

GEICO

$1,150

$4,850

GEICO

$1,181

$4,471

GEICO

$1,288

$4,343

GEICO

$1,292

$4,850

GEICO

$1,326

$4,471

GEICO

$1,387

$5,185

GEICO

$1,387

$5,185

Progressive

$1,534

$1,485

Progressive

$1,534

$1,485

Progressive

$1,630

$2,187

Progressive

$1,630

$2,187

Encompass

$1,704

$3,641

Encompass

$1,704

$3,641

Progressive

$1,766

$1,710

Progressive

$1,766

$1,710

GEICO

$1,766

$7,699

GEICO

$1,766

$7,699

Progressive

$1,825

$2,029

Progressive

$1,825

$2,029

Progressive

$1,849

$2,715

Progressive

$1,849

$2,715

GEICO

$1,850

$6,916

GEICO

$1,850

$6,916

Progressive

$1,894

$2,541

Progressive

$1,894

$2,541

Travelers

$1,899

$4,062

Travelers

$1,899

$4,062

Progressive

$1,908

$1,848

Progressive

$1,908

$1,848

GEICO

$1,912

$8,520

GEICO

$1,912

$8,520

Encompass

$1,937

$4,641

Encompass

$1,937

$4,641

Encompass

$1,961

$4,496

Encompass

$1,961

$4,496

Encompass

$1,991

$4,254

Encompass

$1,991

$4,254

Encompass

$2,045

$4,371

Encompass

$2,045

$4,371

Travelers

$2,084

$4,062

Travelers

$2,084

$4,062

Progressive

$2,089

$7,209

Progressive

$2,089

$7,209

Travelers

$2,150

$4,062

Travelers

$2,150

$4,062

Travelers

$2,150

$4,062

Travelers

$2,150

$4,062

Auto-Owners Insurance Co

$2,162

$3,090

Auto-Owners Insurance Co

$2,162

$3,090

Auto-Owners Insurance Co

$2,290

$3,273

Auto-Owners Insurance Co

$2,290

$3,273

GEICO

$2,300

$11,118

GEICO

$2,300

$11,118

Progressive

$2,371

$8,183

Progressive

$2,371

$8,183

Auto-Owners Insurance Co

$2,393

$3,797

Auto-Owners Insurance Co

$2,393

$3,797

Progressive

$2,428

$9,746

Progressive

$2,428

$9,746

Auto-Owners Insurance Co

$2,462

$3,519

Auto-Owners Insurance Co

$2,462

$3,519

GEICO

$2,494

$11,118

GEICO

$2,494

$11,118

Farmers

$2,502

$2,884

Farmers

$2,502

$2,884

Auto-Owners Insurance Co

$2,513

$4,072

Auto-Owners Insurance Co

$2,513

$4,072

Farmers

$2,675

$3,921

Farmers

$2,675

$3,921

Encompass

$2,687

$7,896

Encompass

$2,687

$7,896

Auto-Owners Insurance Co

$2,689

$4,612

Auto-Owners Insurance Co

$2,689

$4,612

Auto-Owners Insurance Co

$2,707

$4,385

Auto-Owners Insurance Co

$2,707

$4,385

Farmers

$2,787

$11,897

Farmers

$2,787

$11,897

Encompass

$2,830

$6,781

Encompass

$2,830

$6,781

Encompass

$2,938

$8,253

Encompass

$2,938

$8,253

Auto-Owners Insurance Co

$2,957

$4,931

Auto-Owners Insurance Co

$2,957

$4,931

Farmers

$2,975

$12,697

Farmers

$2,975

$12,697

Farmers

$2,978

$3,743

Farmers

$2,978

$3,743

Farmers

$3,041

$3,505

Farmers

$3,041

$3,505

Encompass

$3,076

$8,640

Encompass

$3,076

$8,640

Encompass

$3,081

$9,069

Encompass

$3,081

$9,069

Farmers

$3,120

$3,596

Farmers

$3,120

$3,596

Auto-Owners Insurance Co

$3,161

$5,530

Auto-Owners Insurance Co

$3,161

$5,530

Auto-Owners Insurance Co

$3,210

$5,353

Auto-Owners Insurance Co

$3,210

$5,353

Farmers

$3,260

$5,435

Farmers

$3,260

$5,435

Farmers

$3,398

$4,982

Farmers

$3,398

$4,982

Farmers

$3,754

$23,472

Farmers

$3,754

$23,472

Travelers

$3,802

$9,088

Travelers

$3,802

$9,088

Travelers

$4,662

$9,088

Travelers

$4,662

$9,088

Travelers

$4,853

$11,321

Travelers

$4,853

$11,321

State Farm

$5,028

$8,434

State Farm

$5,028

$8,434

Travelers

$5,127

$12,279

Travelers

$5,127

$12,279

Travelers

$5,264

$12,279

Travelers

$5,264

$12,279

State Farm

$5,622

$9,430

State Farm

$5,622

$9,430

State Farm

$5,978

$11,793

State Farm

$5,978

$11,793

State Farm

$6,233

$10,454

State Farm

$6,233

$10,454

State Farm

$6,772

$13,082

State Farm

$6,772

$13,082

State Farm

$7,877

$15,218

State Farm

$7,877

$15,218

State Farm

$7,890

$17,429

State Farm

$7,890

$17,429

State Farm

$9,215

$20,108

State Farm

$9,215

$20,108

State Farm

$10,622

$23,178

State Farm

$10,622

$23,178

State Farm

$10,683

$26,647

State Farm

$10,683

$26,647

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.

Company
Annual Premium
Monthly Premium

Travelers

$75

$6

Travelers

$80

$7

Travelers

$88

$7

USAA

$261

$22

USAA

$262

$22

USAA

$282

$24

Chubb

$297

$25

Chubb

$357

$30

Chubb

$392

$33

Progressive

$540

$45

Progressive

$544

$45

Progressive

$545

$45

Pioneer State Mutual Ins Co

$561

$47

Encompass

$565

$47

GEICO

$586

$49

GEICO

$586

$49

Pioneer State Mutual Ins Co

$588

$49

GEICO

$594

$50

Auto-Owners Insurance Co

$599

$50

USAA

$615

$51

Pioneer State Mutual Ins Co

$619

$52

Farm Bureau Ins of MI

$634

$53

Auto-Owners Insurance Co

$635

$53

USAA

$637

$53

Farmers

$642

$54

Encompass

$644

$54

Encompass

$644

$54

Farm Bureau Ins of MI

$665

$55

Farmers

$685

$57

Travelers

$688

$57

Grange Insurance

$703

$59

Westfield

$708

$59

Grange Insurance

$708

$59

Auto-Owners Insurance Co

$739

$62

Farmers

$750

$63

Chubb

$757

$63

USAA

$761

$63

Travelers

$762

$64

Westfield

$767

$64

Farm Bureau Ins of MI

$818

$68

Progressive

$818

$68

Progressive

$842

$70

Westfield

$849

$71

Travelers

$853

$71

Grange Insurance

$857

$71

GEICO

$904

$75

Pioneer State Mutual Ins Co

$905

$75

Chubb

$908

$76

GEICO

$908

$76

GEICO

$914

$76

Pioneer State Mutual Ins Co

$945

$79

Progressive

$959

$80

Chubb

$1,010

$84

Farmers

$1,011

$84

Pioneer State Mutual Ins Co

$1,112

$93

Farmers

$1,113

$93

Encompass

$1,144

$95

Farm Bureau Ins of MI

$1,210

$101

Auto-Owners Insurance Co

$1,210

$101

Farmers

$1,241

$103

Auto-Owners Insurance Co

$1,244

$104

Auto-Owners Insurance Co

$1,306

$109

Farm Bureau Ins of MI

$1,314

$109

Encompass

$1,359

$113

Encompass

$1,359

$113

State Farm

$1,360

$113

Grange Insurance

$1,364

$114

Grange Insurance

$1,473

$123

State Farm

$1,483

$124

Grange Insurance

$1,543

$129

Farm Bureau Ins of MI

$1,619

$135

State Farm

$1,683

$140

Westfield

$1,885

$157

State Farm

$1,899

$158

Westfield

$2,011

$168

State Farm

$2,080

$173

State Farm

$2,392

$199

Westfield

$2,458

$205

Hanover

$2,809

$234

Hanover

$2,956

$246

Hanover

$3,147

$262

Hanover

$4,101

$342

Hanover

$4,502

$375

Hanover

$5,139

$428

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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

Michigan
Female
30-65
Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

Nationwide

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?

Chubb

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?

Chubb

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?

Chubb

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.