Compare the Cheapest Car Insurance Quotes in Lansing

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.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 5/16/2022
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In Lansing, GEICO is the cheapest insurer for full coverage and state minimum car insurance policies. The company also has the most affordable insurance for drivers with a speeding ticket. If you’re a military veteran or currently serve in the military, USAA may be your best option in many instances. The Hartford came in first on MoneyGeek’s ranking that rates insurers overall based on affordability and quality of service.

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The Cheapest and Best Car Insurance in Lansing

The Cheapest Car Insurance Companies in Lansing

MoneyGeek ranked the cheapest car insurance companies for full coverage policies. The top two companies in Lansing are:

  • GEICO: $845 per year
  • MetLife: $1,202 per year

For military members and their families in Lansing, USAA is the second most affordable option at $942 per year. At $4,393, Hanover has the costliest average premium in the city at nearly 420% more than GEICO.

Full coverage policies are those that include comprehensive and collision insurance. Your quoted average insurance costs may also depend on the liability limits in the policy.

Cheapest Car Insurance in Lansing
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    GEICO
    $845
  • 2.
    USAA
    $942
  • 3.
    MetLife
    $1,202
  • 4.
    Progressive
    $1,263
  • 5.
    Travelers
    $1,507
  • 6.
    Auto-Owners Insurance Co
    $1,526
  • 7.
    Allstate
    $1,548
  • 8.
    Nationwide
    $1,673
  • 9.
    Esurance
    $1,941
  • 10.
    State Farm
    $1,966
  • 11.
    AAA
    $1,973
  • 12.
    Mercury
    $1,974
  • 13.
    Farmers
    $2,054
  • 14.
    Hanover
    $4,393

MoneyGeek determined average rates as per our methodology by collecting quotes for full coverage policies from multiple insurers in Lansing for a 40-year-old male driver.

If your car is new or leased, you may be better off with a full coverage policy. That’s because comprehensive and collision insurance, which are included in these policies, pay for damage to your vehicle as follows:

  • Comprehensive Insurance: Pays for different types of losses that are typically not the result of an accident, like vandalism or damage from weather events and fallen trees.
  • Collision Insurance: Collision insurance is useful when a driver gets into a car accident. It pays for damage caused by a collision with another vehicle or object, such as a utility pole.

If you have an older vehicle, you can reduce insurance costs by removing comprehensive and collision insurance. Liability-only insurance or a state minimum policy may provide sufficient protection for your purposes.

Compare Car Insurance Rates in Lansing

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Lansing for Minimum Coverage

The cheapest auto insurance is a state minimum or liability-only policy. The companies that have the most affordable average premiums in Lansing are:

  • GEICO: $536 per year
  • Nationwide: $574 per year

USAA is the second cheapest provider in Lansing; however, they serve members of the military exclusively. Hanover charges the highest premiums for state minimum policies in Lansing. Its policies are $2,600 more expensive than those from GEICO.

Although you can reduce your yearly premiums by choosing a state minimum policy, the trade-off is that state minimum policies have very low liability limits.

The table below indicates how much it costs to opt for higher liability limits.

Cheapest Minimum Liability Car Insurance in Lansing
State Minimum

Michigan law requires drivers to have 20/40/10 minimum coverage. While state minimum policies are usually the cheapest option, they may not provide adequate cover in some circumstances. That means you could incur some extremely high out-of-pocket expenses if you’re in an accident.

For instance, if you are responsible for an accident where the other driver incurs $25,000 in medical bills, a state minimum policy will pay up to $20,000 of that. You are responsible for paying the balance of $5,000.

Michigan Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury
    $20,000 per person and $40,000 per accident. A more protective level is 100/300/100.
  • Personal Injury Protection
    Unlimited per person. Unlimited per accident.
  • Other
    $1 million property protection.

Cheapest Car Insurance in Lansing if You Have Driving Violations

Insurance costs for people with bad driving records are typically higher than average. The insurers who offer the best cheap car insurance in Lansing for drivers with violations such as a speeding ticket, DUI or at-fault accident are:

  • Cheapest after a ticket: GEICO, $1,403 per year
  • Cheapest after an at-fault accident: GEICO, $1,546 per year
  • Cheapest after a DUI: Progressive, $1,514 per year

USAA offers the cheapest average quotes for all of the above violations; however, car insurance from USAA is exclusive to veterans and current members of the military and their families.

By improving your driving history over time, you can reduce your premiums. While you’re doing that, it’s a good idea to get quotes from as many insurers as possible to find the best cheap car insurance for you.

Cheapest Car Insurance in Lansing With a Violation
Speeding Ticket

Average Cost of Car Insurance in Lansing

Lansing$1,836
Michigan$5,471
U.S.$1,424

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.

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 auto insurance rates in Lansing regularly.

Compare Car Insurance Rates in Lansing

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Lansing

Our determination of the best car insurance companies in Lansing considers both affordability and quality service. For drivers looking for a balance between these two factors, the best overall insurers in the city are:

  • The Hartford: MoneyGeek score of 87.5 out of 100
  • Auto-Owners Insurance Co: MoneyGeek score of 87.5 out of 100

Although USAA scored highest on our analysis, it is available only for military members and their families. We therefore did not include it in our list.

The scores were calculated based on several factors, including customer satisfaction, affordability and insurer financial stability ratings. Resources we used included information by data analytics and consumer intelligence company J.D. Power.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Hartford
Score:87.5

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

3
Auto-Owners Insurance Co
Score:87.5

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
GEICO
Score:87.5

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

5
Cincinnati Insurance Companies
Score:87.5

3/5

Affordability

5/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Country Financial
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

7
State Farm
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

8
Farm Bureau Ins of MI
Score:82.5

3/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

9
Nationwide
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Esurance
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

11
Grange
Score:80

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Progressive
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

13
Allstate
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

14
American Family
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

15
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

16
MetLife
Score:80

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

17
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

18
Hanover
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

19
Liberty Mutual
Score:75

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

20
AAA
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

21
Safeco
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

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 Code
    State Minimumper year
  • 48911
    $1,816
  • 48910
    $1,855

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.

accident2 icon
Most Accidents With Fatalities201st/300
handcuffs2 icon
Most Car Thefts54th/300
uninsured icon
Most Uninsured Motorists by State4th/50
insurance2 icon
Personal Injury Protection RequiredYes
rain icon
Most Annual Rainfall174th/300
umbrella icon
Most Rainy Days21st/300

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


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters and award-winning journalists. Learn more about the MoneyGeek team.


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