Best & Cheapest Car Insurance In Lansing, MI For 2024

After digging into the data, we’ve discovered that USAA has the cheapest car insurance rates in Lansing.

min read
Updated: 18 March 2024
Written by
Bob Phillips
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Lansing, also known as “The Heart of Michigan,” is a city that prides itself on its rich automotive history. And with a love for cars comes the need for car insurance, which can be quite expensive. If you’re a Lansing resident looking to save money on car insurance, you’re in luck. We’ve done the research and evaluated dozens of top insurers to help you find the cheapest car insurance quotes in Lansing.

The average annual cost of car insurance in Lansing is $1,682, which is lower than the statewide average . But we’re not just about finding the cheapest price. Our ultimate goal is to help you find the best car insurance coverage for your specific needs and driving history.

Whether you’re a young adult or a senior citizen, looking for full coverage or minimum coverage, we have you covered. We’ve found that GEICO offers the cheapest full coverage, Nationwide offers the cheapest minimum coverage, Chubb offers the cheapest insurance for young adults, and Chubb also offers the cheapest insurance for seniors.

So if you’re in the market for affordable car insurance in Lansing, look no further. We’ll help steer you in the right direction.

Cheapest And Best Car Insurance Companies In Lansing, MI 2024

Cheapest Car Insurance, Lansing 2024

Compare The Cheapest Car Insurance In Lansing, MI

Best For Overall Rating J.D. Power Rating AM Best Rating Average Annual Cost Get A Quote
GEICO

Cheapest Full Coverage

4.9

824

A++

$1,212

Instant Quote
USAA

Cheapest

4.9

876

A++

$1,021

Instant Quote
Chubb

Cheapest For Young Adults

4.8

NR

A++

$981

Instant Quote
Nationwide

Cheapest Minimum Coverage

4.8

787

A+

$817

Instant Quote
Chubb

Cheapest For Seniors

4.7

NR

A++

$857

Instant Quote
Scroll to see comparisons

Our Methodology

In our search for the cheapest car insurance rates in Lansing, we've scoured through numerous car insurance review sites and analyzed public filings obtained by Quadrant Information Services. However, our rating also takes into account my personal experience as a licensed insurance agent spanning over fifteen years, and my three decades of purchasing car insurance.

48

Quotes Analyzed

15+

Years Of Industry Experience

17

Brands Reviewed

22+

Research Hours

Cheapest Car Insurance Companies In Lansing, MI


Cheapest Overall

Overall Rating
4.9

Key Statistics

10/10 Affordability
10/10 Customer Reviews
9/10 Claims
9/10 Coverage Level

Why We Like Them

If you’re a driver in Lansing with a military background or are part of a military family, you may be eligible for USAA car insurance. We’ve analyzed the data and found that USAA provides the most cost-effective car insurance in Lansing without requiring you to bundle other insurance policies.

Not only does USAA already offer the most affordable car insurance rates in Lansing, but they also provide insureds with various discounts, including:

●       Responsible driver

●       Bundle multiple policies

●       Be a loyal member

●       Install anti-theft devices

●       Insure a new car

USAA has got your back when it comes to car insurance in Lansing. Their standard policy is loaded with coverage for all sorts of situations, such as accidents, theft, vandalism, fire, and weather-related incidents. But that’s not all, because if you’re ever found to be liable for causing injuries or property damage, USAA’s coverage can help protect your hard-earned finances.

If you ever get into an accident with an uninsured or underinsured driver, USAA will provide cover for your vehicle damage, injuries, and lost wages if you’re unable to work.

In addition to its comprehensive coverage, USAA has an excellent website and mobile app. These tools allow you to easily report a claim, track its status, get roadside assistance, schedule vehicle inspections, and chat with your adjuster. With these features, you can manage your policy and claims with ease and convenience.

USAA’s commitment to excellent customer service has earned them the highest customer satisfaction ratings from JD Power of any insurer reviewed. Their members applaud their exceptional customer service, which is one of the reasons for their high member loyalty.

Benefits & Drawbacks

Benefits
  • The availability of policies spans across all states including the District of Columbia.
  • Customers have expressed the highest levels of satisfaction with the auto insurance offerings.
  • A comprehensive range of services including insurance, banking, and investing, are conveniently accessible from one central location.
Drawbacks
  • Services only active military, veterans, and their families

Cheapest Overall Rates In Lansing

Company Rate Per Year
USAA $1,021
GEICO $1,212
Farmers $1,113
Auto-Owners Insurance Co. $1,226
State Farm $2,087

Cheapest For Full Coverage

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims
9/10 Coverage Level

Why We Like Them

Although USAA had cheaper rates, GEICO takes the lead in this category because it is available to everyone, not just military personnel and their families.

Full coverage insurance in Lansing, and throughout Michigan, refers to a policy that provides comprehensive and collision coverage along with the minimum required coverage set by the state. Personal injury protection and property protection insurance are also included in full coverage policies.

Apart from providing the most affordable comprehensive car insurance in Lansing, GEICO has established a commendable image for its quality customer service, efficient policy renewals, streamlined claims processing, favorable customer referrals, and high levels of customer loyalty.

Full coverage in Michigan includes:

●       Bodily injury liability insurance: $50,000 per person / $100,000 per accident

●       Property damage liability insurance: $10,000

●       Property protection insurance: $1,000,000

●       Personal injury protection: $250,000 with exceptions for drivers who have Medicare or Medicaid

●       Collision insurance: covers up to the value of the vehicle

●       Comprehensive insurance: covers up to the value of the vehicle

If you’re financing a car, the lender typically requires you to have full coverage insurance, which includes collision and comprehensive coverage, in addition to the minimum coverage required by the state.

Benefits & Drawbacks

Benefits
  • Earned high customer satisfaction ratings for car insurance from J.D. Power
  • Provides a variety of discounts to help customers save money
  • Offers a robust website and mobile app for easy access to policy information and claims
Drawbacks
  • Doesn't offer gap or rideshare insurance, which may be important for some drivers.
  • Has a limited network of local agents available to assist customers in person

Cheapest Full Coverage Rates In Lansing

Company Rate Per Year
GEICO $1,021
Farmers $1,113
Auto-Owners Insurance Co. $1,226
Progressive $3,032
State Farm $2,087

Cheapest For Seniors

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
10/10 Claims
10/10 Coverage Level

Why We Like Them

As individuals age, their car insurance rates typically decrease, provided they maintain a clean driving record. This is because insurers consider older drivers as a less risky group, thanks to their years of driving experience, established driving records, and higher credit scores.

Senior drivers can further reduce their car insurance costs by bundling their policy with other products from the same insurer and taking advantage of various discounts, such as good driver incentives, loyalty perks, and early renewal discounts.

Despite its reputation for insuring high-end vehicles, Chubb offers the cheapest rates overall for seniors. This is because the cars owned by senior drivers tend to have a higher value compared to those of younger drivers. Additionally, Chubb’s “concierge service” has won over seniors who receive personalized attention while filing claims.

While younger drivers may prefer communicating via mobile apps or texting, many seniors prefer speaking to a live customer service representative. Chubb recognizes this preference and prioritizes providing easily accessible customer service options to its clients.

Benefits & Drawbacks

Benefits
  • Provides multiple policy options for household insurance needs
  • AM Best has awarded an A++ rating for financial strength.
  • Offers generous coverage options
Drawbacks
  • Has fewer agents representing Chubb compared to many other car insurers.
  • Does not provide online quotes

Cheapest Coverage For Seniors

Company Rate Per Year
Chubb $857
GEICO $1,011
Progressive $1,114
Auto Owners $1,234
State Farm $1,902

Cheapest Minimum Coverage

Overall Rating
4.8

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims
9/10 Coverage Level

Why We Like Them

Nationwide is a well-known insurance provider that offers both full and minimum coverage options in Lansing. However, when it comes to the minimum required coverage, Nationwide is the most competitive in terms of pricing.

In Lansing and throughout the state of Michigan, the minimum required coverage includes:

●       Bodily injury liability insurance: $50,000 per person / $100,000 per accident

●       Property damage liability insurance: $10,000

●       Property protection insurance: $1,000,000

●       Personal injury protection: $250,000 with exceptions for drivers who have Medicare or Medicaid

While minimum coverage doesn’t require comprehensive and collision insurance, Nationwide’s standard coverage offers these features and more. The insurer also has a loyalty rewards program available to all customers, regardless of their coverage amount. This program includes several extras that can benefit policyholders:

Minor accident forgiveness: Nationwide offers policyholders the benefit of minor accident forgiveness. Even if a policyholder is at fault, their rates will not increase if they are involved in a fender bender or small accident, as long as the repairs fall within Nationwide’s accident threshold. There is no limit to the number of times a policyholder can take advantage of this feature.

Guaranteed repairs for life: Policyholders who choose to get their vehicle repaired at a Nationwide-approved auto repair shop can enjoy the peace of mind that comes with a lifetime guarantee on those repairs.

Waive auto and home deductible: In the unfortunate event of a covered loss affecting both a policyholder’s house and car, Nationwide offers the option to waive the auto and home deductible or to reimburse for the lowest deductible available.

Nationwide offers convenient ways to manage your auto insurance through its website and mobile app. You can start a claim, get insurance ID cards, and manage your policy on each platform. Additionally, the company has a separate app for its SmartRide program, which tracks your driving behavior and offers discounts for safe driving habits.

Benefits & Drawbacks

Benefits
  • Abundant discounts available
  • Generous extras for long-term customers
  • Relatively low number of complaints to state regulators for an insurer of its size
Drawbacks
  • Drivers who have a DUI on their record may experience higher than average premiums with this insurer.
  • While this insurer provides coverage for car owners, their J.D. Power score falls below the industry average.

Cheapest Minimum Coverage Rates In Lansing

Company Rate Per Year
Nationwide $817
Progressive $842
GEICO $908
Auto Owners $1,216

Cheapest For Young Adults

Overall Rating
4.7

Key Statistics

9/10 Affordability
9/10 Customer Reviews
10/10 Claims
10/10 Coverage Level

Why We Like Them

Young adults tend to pay more for car insurance than their older counterparts due to a higher rate of accidents. However, Chubb offers the cheapest car insurance rates in Lansing for this demographic, regardless of income level. Despite being known for property and casualty insurance for high-income clients, Chubb’s Masterpiece auto insurance policy caters to owners of more expensive vehicles of all ages and includes the following benefits:

·  Generous rental reimbursement coverage: provides up to $15,000 for rental car expenses with no per-day limit.

·  Chubb stands out from other car insurers by offering coverage for original equipment manufacturer (OEM) parts, rather than opting for cheaper aftermarket parts.

·  Worldwide rental car coverage: the Chubb auto policy extends to rental car damages you incur anywhere in the world, making it perfect for young adults studying abroad.

·  Lifetime repair guarantee: Chubb guarantees repairs made at a Chubb-certified shop.

·  Lock and key replacement: Chubb is happy to provide key replacement with zero deductible, ensuring your security is always in good hands.

·  Removal of personal information: If your car is involved in a collision and deemed a total loss, Chubb takes care of removing any personal information that may have been stored in the vehicle’s systems. This includes wiping out GPS addresses, phone contacts, and garage door codes to safeguard your privacy.

Benefits & Drawbacks

Benefits
  • Affordable rates for young drivers
  • Fewer complaints received than expected for an auto insurance company Offers
  • Exclusive perks and top-notch coverage tailored to high-end clients.
Drawbacks
  • Limited availability of agents compared to other car insurance providers.
  • Rates for adult drivers are higher than average

Cheapest Coverage For Young Adults

Company Rate Per Year
Chubb $981
GEICO $990
Auto-Owners $1,217
Encompass $1,359
State Farm $2,091

Average Cost Of Car Insurance In Lansing

Insurance Company Average Monthly Quote
USAA $75
GEICO $87
Safeco $119
State Farm $173
Auto Owners $101

Average Cost In Lansing – By Age

Age Group Average Annual Rate
Teenagers $2,004
Under 25 $1,524
25-29 $1,068
30s $954
40s $1,104
50s $972
60s $852
70+ $1,031

Average Cost In Lansing – By Gender

Gender Annual Rate
Female $2,245
Male $2,252

Average Cost In Lansing – By Marital Status

Marital Status Average Monthly Cost
Single $164
Married $125

Average Monthly Cost In Lansing With An Accident

Insurance Company Average Monthly Rate
Auto-Owners $119
Farmers $127
Travelers $157
GEICO $195
State Farm $208

Average Monthly Cost In Lansing – By Credit Tier

Very poor: $1,485
Fair: $938
Good: $812
Exceptional $748

Average Cost In Lansing – By Zip Code

ZIP Code
Average Monthly Rate
48906 $94
48933 $95
48910 $102
48911 $98
48912 $101
48937 $104
48915 $102

Minimum Car Insurance Requirements In Michigan

When you’re on the hunt for car insurance in Michigan, it’s important to keep in mind the state’s minimum coverage requirements:

●       Property protection within Michigan: $1 million

●       Personal injury protection: $250,000 (lower limits are allowed for some Medicare and Medicaid recipients)

●       Bodily injury liability per person: $50,000

●       Bodily injury liability per accident: $100,000

●       Property damage liability per accident outside Michigan: $10,000

When it comes to purchasing car insurance in Michigan, it’s important to be aware of the minimum coverage requirements. However, you should also consider whether you need additional coverage based on your specific driving habits and the value of your vehicle.

If you frequently spend a lot of time on the road, or if you own a more expensive car, you may want to consider adding collision and comprehensive insurance to your policy. This can provide you with greater peace of mind and protection in case of an accident or other unexpected event.

How To Buy Car Insurance In Lansing

Purchasing car insurance in Lansing shouldn’t feel like a daunting task that takes up a lot of your time or requires complex decision-making. You can go about it in two ways: the traditional way of working with an agent, or the more modern approach of shopping online. Either way, by following these simple steps, you’ll save both time and money.

Do Your Information Gathering

Don’t rush to begin your search on the internet or dial up a nearby agent, it’s crucial to gather certain details that they require from you for a precise quote:

  • Name and birthdate of everyone who will be on the policy
  • Drivers license numbers for each person to be covered
  • Driving history for all drivers, including tickets, accidents, or any other violations
  • Your current insurer, if applicable, and your current coverage limits
  • Facts about the car: make, model, vehicle identification number, safety features, current odometer reading, annual miles driven

Determine Your Coverage Needs

It’s essential to be aware of how much coverage you require before purchasing car insurance. If you’re uncertain, you can refer to the Michigan minimum car insurance requirements:

  • Property protection within Michigan: $1 million
  • Personal injury protection: $250,000 (lower limits are allowed for some Medicare and Medicaid recipients)
  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability per accident outside Michigan: $10,000

In case you’re still uncertain about the coverage you need, it might be a good idea to work with an agent who can assist you in determining your requirements.

Choose Your Buying Method

Buying the most affordable car insurance ultimately comes down to these two main ways:

One option is to get in touch with an insurance agent. But don’t worry, it’s not as intimidating as it may seem. There are different types of agents, such as captive agents who work with only one insurance company like Nationwide or State Farm, car insurance brokers who deal with multiple insurers like Progressive and Geico, and specialty agencies that help drivers with a rocky driving history – think recent accidents, DUIs, tickets, or lapses in coverage.

If you’re not keen on talking to an agent, don’t fret! You can buy car insurance directly from the insurer online. Just enter your details, and you’ll get a quote(s) that outlines all your policy options and pricing. And the best part? You can complete the application right then and there!

Ultimately, it all depends on whether you’d like to speak with an agent or go straight to the source online. No matter which option you choose, you’ll be able to find affordable car insurance in Lansing in no time!

Compare Companies

If you’re on the hunt for car insurance, it’s always a good idea to get quotes from a few different companies before settling on the one that’s right for you. But don’t just look at the prices and call it a day. It’s important to compare the same coverage limits so you’re truly comparing apples to apples.

Once you’ve got your quotes in hand, take a few extra minutes to dig a little deeper. Head over to the National Association of Insurance Commissioners website to check out how many complaints have been filed against each insurer. After all, you want to make sure you’re choosing a company that’s got your back in case you ever need to file a claim.

Buy Your New Policy And Cancel Your Old One

If you’re in the market for a shiny new ride, don’t even think about driving it off the lot without making sure you’ve got car insurance in place. Trust us, you don’t want to be caught without coverage if something happens.

Now, if you’re just swapping out coverage for an existing vehicle, be sure to give your old insurance company a call and let them know you’re cancelling your policy. But make sure your new coverage is set up and ready to go before you cancel. You don’t want any gaps in coverage, and you may be eligible for a refund of any unused premiums (minus a possible cancellation fee).

Factors That Impact The Cost Of Your Car Insurance Policy In Lansing

Well, there’s a lot that goes into it! Here are some of the things they take into account:

  • State requirements: First things first, you need to make sure your policy meets the minimum coverage required by the state of Michigan. That’s non-negotiable.
  • Your age: How old you are plays a big role in determining your rate. If you’re a young driver under the age of 25, you can expect to pay a lot more than someone who’s older. Because younger drivers tend to be less experienced and more prone to accidents. However, rates typically start to go down after you hit 25.
  • Car make and model: What kind of car you drive matters, too. The safer your vehicle is deemed to be, the lower your rates will be. For example, insuring a Ford Mustang GT will cost you at least twice as much as insuring a Ford Focus with a 4-cylinder engine.
  • Your driving record: If you’ve been in accidents or gotten traffic violations in the past, you can expect your rates to be higher than someone with a spotless driving record. Insurance companies see you as a riskier bet, so they charge more to insure you.
  • Yearly mileage: How much you drive can impact your rate, too. If you have a long commute, you’ll generally pay more than someone who only uses their car for leisurely drives.
  • Credit history: Believe it or not, your credit score can also play a role in determining your rate. Insurers view people with good credit as more responsible and less of a risk than those with poor credit, so they charge them less.
  • Zip code: Where you live and park your car at night can impact your rate, too. Depending on how likely your car is to get damaged in your area, you might get a discount or a rate increase.
  • Marital status: If you’re married, you’ll generally pay less than someone who’s single. Why? Because statistically, married drivers are seen as less expensive to insure.
  • Gender: Finally, your gender can play a role in determining your rate. Men around age 45 tend to pay 6% less than women the same age, but the gap between genders evens out for drivers in their 30s.

Car Insurance Discounts In Lansing

Auto insurance rates in Lansing, the capital city of Michigan, can be higher than other areas in the state, so it’s important to shop around and look for ways to save money. Some common discounts that can help reduce the cost of your car insurance premiums in Lansing include:

  • Low mileage discount
  • Good student discount
  • Good driving history
  • Vehicle safety features
  • Customer loyalty
  • Military discount
  • Being claims-free
  • Senior discount

Michigan Car Insurance Laws To Know

Michigan drivers are legally obligated to carry auto insurance coverage meeting specific minimum requirements. Specifically, they must maintain liability coverage of at least 50/100/10, as well as Personal Injury Protection (PIP) coverage and at least $1 million in Property Protection Insurance (PPI). It’s important to note that Michigan follows a no-fault insurance system, which means drivers are required to carry proof of insurance showing that they have PIP, PPI, and third-party liability coverage.

In The News

According to Repairer Driven News, car insurance premiums are anticipated to rise by an average of 8.4% this year, following a slight decrease of 0.6% in 2022. This is the most substantial rate increase since 2017.

Information About Lansing

Lansing is the capital city of the U.S. state of Michigan and the seat of Ingham County. It is located in central Michigan, about 90 miles west-northwest of Lansing. The city is situated on the banks of the Grand River and is home to Michigan State University.

While Lansing may not be as widely recognized as Detroit, it has a unique charm and rich history of its own. Known as the “Heart of Michigan,” Lansing is the birthplace of Oldsmobile and home to the R.E. Olds Transportation Museum. The city is also home to the Michigan Princess Riverboat, a popular tourist attraction that takes visitors on a scenic tour of the Grand River.

Lansing has undergone significant development over the years, with the downtown area in particular experiencing a revitalization in recent years. The city has a vibrant arts and culture scene, with numerous galleries, theaters, and music venues. Lansing is also home to the Michigan State Capitol building, which serves as the center of state government.

Though Lansing is not as populous as Detroit, it is an important city in its own right, with a population of over 116,000. It is the fifth largest city in Michigan and serves as an important hub for the region’s economy and transportation.

FAQs

Do I need car insurance in Lansing?

Michigan state law requires all drivers to have auto liability insurance, which includes Lansing drivers.

What is the cheapest car insurance in the state of Michigan?

According to recent studies, Travelers offers the lowest rates for good drivers in Michigan, while Secura offers the most affordable full coverage.

How much does car insurance cost in Lansing on average?

The average cost of car insurance in Lansing is $4,169 per year.

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