Cheapest and Best Car Insurance Companies in Lansing, MI

The latest 2023 quotes show that Travelers offers the cheapest auto insurance in Lansing, Michigan, for minimum coverage. Chubb is the overall best auto insurance provider since it balances customer service and affordability.

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 + BestCar InsuranceLansing

2023

Cheapest and Best Car Insurance in Lansing, MI

Cheapest Overall - Travelers

Cheapest Full Coverage - Travelers

Cheapest After Driving Offense - Chubb

Cheapest for Teens - GEICO

Cheapest for Military - USAA

Best Overall - Chubb

Best for Customer Service - Chubb

Best Cheap - Chubb

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

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.

Age Group

Coverage

Incident

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.

Age

Gender

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.

Age Group

Coverage

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.

State

Michigan

Gender

Female

Age

30-65

Driving Record

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.

CompanyAverage Annual Rates

1.Nationwide

$896

2.USAA

$981

3.Auto-Owners Insurance Co

$1656

4.GEICO

$1724

5.MetLife

$2215

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

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.

Cheapest and Best Car Insurance Companies in Lansing, MI

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On This Page:

Cheapest Minimum Liability Car Insurance in Lansing

Cheapest Full Coverage Car Insurance in Lansing

Cheapest Car Insurance in Lansing After a Driving Offense

Cheapest Car Insurance in Lansing for Teens and Their Families

Cheapest Car Insurance in Lansing for Military Drivers

How to Compare Cheap Lansing Car Insurance Quotes Online

Best Car Insurance in Lansing: Summary

Best Overall Car Insurance in Lansing

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Lansing for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Lansing

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Lansing